Choice Privileges Mastercard - Wells Fargo Bank

Choice Privileges Mastercard is issued by Wells Fargo Bank. The button below hands you to the issuer's own application.

Apply now Wells Fargo Bank agreements on file

Applications are handled by Wells Fargo Bank, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.

Disclosed rates and fees

Read from the agreement Wells Fargo Bank filed with the CFPB under the name “Choice Privileges Mastercard Credit Card Agreement”, matched to this card by name. Anything the filing does not state is left out of this table rather than shown as a zero.

Terms as disclosed in the filed agreement matched to Choice Privileges Mastercard
Purchase APR	12.99% (variable)
Balance transfer APR	22.74%
Cash advance APR	22.74%
Annual fee	$0
Late payment fee	up to $40
Foreign transaction fee	None
Cash advance fee	Either $10 or 5% of the amount of each advance, whichever is greater.
Balance transfer fee	5% for each
Grace period	25 days
Minimum interest charge	$1
Network	Mastercard

Open the filed agreement (PDF)

Where these facts come from

The card name, the image and the application link on this page were read from Wells Fargo Bank's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Wells Fargo Bank's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. How we read the filings.