Wells FargoChoice Privileges Select MastercardRegistry illustration · issuer artwork unavailable

Choice Privileges Select MastercardWells Fargo · N bank, AK · FDIC 3511

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

median 28.49%

great to poor

Balance transfer

—

Cash advance APR

29.49%

variable

Annual fee

—

Foreign fee

—

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Great credit	median 28.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Good credit	median 28.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Poor credit	median 28.49%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	—	no source read
APR for cash advances	29.49% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
Minimum interest charge	$1	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Choice Privileges Select Mastercard Credit Card Agreementpage 19 of 20

Important Terms of Your Credit Card Account

Pricing Addendum for Choice Privileges ® Select Mastercard ® Credit Card As of January 26 , 202 6

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases · Prime Rate + 12. 9 9%toPrime Rate + 21.74% , based on your creditworthiness. ThisAPR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowestAPR disclosed in the range above. TheAPR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. APRfor Balance Transfers · Prime Rate + 12. 9 9%toPrime Rate + 21.74% , based on your creditworthiness. ThisAPR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowestAPR disclosed in the range above. TheAPR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. APRfor Cash Advances · Prime Rate + 22.74% ThisAPR will vary with the market based on the U.S. Prime Rate. HowtoAvoid Paying Interest on Purchases · Your due date is at least 25 days after the close of each billing period. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore .*

Fees

Annual Fee · $95 Transaction Fees • Balance Transfers • Cash Advances • Foreign Currency · 5% for each balance transfer, with a minimum of $5 . Either $10 or 5% of the amount of each advance, whichever is greater. None Penalty Fees • Late Payment · Up to $40

* You are leaving Wells Fargo and entering a website that Wells Fargo does not control. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

How we will calculate your balance

We use a method called "average daily balance (including new purchases)." See the Agreement for more details.

How we will calculate your late payment fees

The fee will be either $40 or the amount of your Minimum Payment, whichever is lower.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20Page 19 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 19
“If you are charged interest, the charge will be no less than $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 19
“Si se le cobran intereses, el cargo no será inferior a $1.00.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 19
“Su fecha de vencimiento es al menos 25 días después del cierre de cada período de facturación. No le cobraremos intereses sobre las compras si usted paga la totalidad de su saldo cada mes a más tardar en la fecha de vencimiento.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 19
“Su fecha de vencimiento es al menos 25 días después del cierre de cada período de facturación. No le cobraremos intereses sobre las compras si usted paga la totalidad de su saldo cada mes a más tardar en la fecha de vencimiento.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 8
“Agregaremos este cargo a su estado de cuenta mensual una vez al año, independientemente de que usted use o no esta Cuenta, comenzando a partir del mes posterior a la apertura de su Cuenta. Agregamos este cargo a su saldo de Compras, lo cual podría generar cargos por intereses. Para evitar futuras cuotas anuales, deberá cerrar su Cuenta antes de que le cobremos la cuota anual. Usted podría ser ele…”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 8
“En una transacción de Transferencia de Saldo”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 8
“En un Adelanto en Efectivo desde su Cuenta”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 8
“Si usted realiza una transacción en una moneda extranjera y Mastercard la convierte a un monto en dólares estadounidenses”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Wells Fargo Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 8
“Cada vez que no recibamos el Pago Mínimo requerido a más tardar en la Fecha de Vencimiento del Pago”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Additional Fees, Other Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:wells-fargo-bank-national-association:choice-privileges-select-mastercard
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Balance transfer terms, Card terms, Cash advance APR, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Wells Fargo
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 3511
Branches: 4,185 in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, KS, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
Sources: Government dataset · 2 documents · 1 page cited

Documents

Choice Privileges Select Mastercard Credit Card Agreementeffective date not parsed
Tarjeta de Crédito Choice Privileges Select Mastercardeffective date not parsed

Choice Privileges Select MastercardWells Fargo · N bank, AK · FDIC 3511

Rates and fees