The no-annual-fee Choice Privileges Mastercard is a good choice for travelers who frequently stay at Choice Hotels® but don’t want to pay on annual fee on their card. However, the Choice Privileges card with an annual fee will provide better value for most travelers. (Partner offer)

Rewards Rates

  • 5X Earn 5X points on stays at participating Choice Hotels® properties.
  • 3X Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services.
  • 1X Plus earn 1X points on other purchases.

Intro Offer

40,000 bonus points

Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additional fees may apply.

Ongoing Purchases APR

19.99%, 24.24%, or 29.24% Variable APR

Ongoing Balance Transfer APR

19.99%, 24.24%, or 29.24% Variable APR

Ongoing Cash Advance APR

Refer to Important Credit Terms

Recommended Credit

670-850

Excellent, Good

More details

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.

  • Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additional fees may apply.

Rewards Rates

  • 5X Earn 5X points on stays at participating Choice Hotels® properties.
  • 3X Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services.
  • 1X Plus earn 1X points on other purchases.

Intro Offer

40,000 bonus points

Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additional fees may apply.

Ongoing Purchases APR

19.99%, 24.24%, or 29.24% Variable APR

Ongoing Balance Transfer APR

19.99%, 24.24%, or 29.24% Variable APR

Ongoing Cash Advance APR

Refer to Important Credit Terms

Recommended Credit

670-850

Excellent, Good

More details

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.

  • Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additional fees may apply.

  • Earn 5X points on stays at participating Choice Hotels® properties.

  • Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.

  • $0 annual fee.

  • Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.

  • Receive 10 Elite night credits qualifying for at least Gold level status each calendar year.

  • No foreign transaction fee.

The Choice Privileges Mastercard offers 10 elite night credits each calendar year, bonus earnings on stays at Choice Hotels®, cell phone protection and no foreign transaction fees without charging an annual fee. However, consider whether you’d get more value from the Choice Privileges card with an annual fee before you apply.

  • This no-annual-fee card offers bonus earnings on stays at Choice Hotels® and on some other purchases.

  • You'll won't have to pay foreign transaction fees on your purchases and you'll get cell phone protection against damage or theft when you pay your monthly cell phone bill with your card.

  • Plus you'll get 10 elite night credits each calendar year (enough for Choice Privileges Gold status).

  • This card only offers modest earnings on stays at Choice Hotels® and is overall less competitive than the Choice Privileges card that carries an annual fee.

This card is best for travelers who frequently stay at Choice Hotels® but don’t want to pay an annual fee on their card

This card offers 5 points per dollar on Choice Hotels® stays, 3 points per dollar on purchases at gas stations, grocery stores, home improvement stores and phone plans from landline and cell phone providers and 1 point per dollar on other purchases.