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CardCurator — Rewards Intelligence
Card Comparison

Choice Privileges Select Mastercard vs Visa Signature® Flagship Rewards

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Choice Privileges Select Mastercard card art
Choice Privileges
Choice Privileges Select Mastercard
Wells Fargo
More Info
Visa Signature® Flagship Rewards card art
Navy Federal Credit Union
Visa Signature® Flagship Rewards
Navy Federal Credit Union
More Info
Annual Fee
$95/yr
$49/yr
Foreign Fees
3%
None
Signup Bonus
60,000 points
Spend $3,000 in 3 months
35,000 points
Spend $3,500 in 3 months
Top Earn Rates
  • Choice Hotels® properties22 plus on Choice Privileges point purchases 10x
  • gas stations, grocery stores, home improvement stores and phone plan services 5x
  • All Other Purchases 1x
  • Travel 3x
  • All Other Purchases 2x
Reward Type
miles
cashback
Key Credits
None
  • Amazon Prime $139
  • Global Entry/TSA PreCheck Credit $120
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Choice Privileges Select Mastercard vs Visa Signature® Flagship Rewards

Is the Choice Privileges Select Mastercard or Visa Signature® Flagship Rewards better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

Which has the higher signup bonus in 2026?

Choice Privileges Select Mastercard currently offers 60,000 pts signup bonus (spend $3,000 in 3 months). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 in 3 months). Choice Privileges Select Mastercard has the larger bonus.

Which card is better for international travel?

Visa Signature® Flagship Rewards charges no foreign transaction fees — the better pick for international use. Choice Privileges Select Mastercard charges 3% on foreign purchases.

Can I hold both the Choice Privileges Select Mastercard and the Visa Signature® Flagship Rewards?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Choice Privileges Select Mastercard is from Wells Fargo and Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.