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Other things you need to know:
* Offer expires 3/31/2025, subject to early termination without notice. Eligible U.S. World and World Elite Mastercard cardholders, who do not have an active Instacart+ (plus) membership and subscribe as a new member through this offer, can receive a two-month trial membership of Instacart+ and $10 off their second qualifying order of $10 or more, each month during the offer period. Cardholders must have an active Instacart+ trial membership through this offer or renew their Instacart+ membership after the two-month trial to continue receiving the $10 offer each month during the offer period. By redeeming this offer, you agree to the Instacart+ terms . Additional terms apply, please visit www.instacart.com/p/mastercard-offer.
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Learn more on this page to take advantage of this specific offer.
Read the Choice Privileges® Mastercard® Credit Card Account Agreement and the Choice Privileges® World Elite Mastercard® Credit Card Guide to Benefits.
This offer is not a guarantee of credit. Credit card is subject to credit qualification.
You may not be eligible for the introductory bonus rewards offer if you opened a Choice Privileges Credit Card within the last 15 months from the date of this application and you received an introductory bonus rewards offer, even if that account is closed and has a $0 balance.
You may not be eligible for this product if you currently have an open Choice Privileges or Choice Privileges Select Mastercard account.
1 To qualify for the 40,000 bonus points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. “Purchases” that do not apply to this offer and do not earn rewards points include: cash advances and equivalents of any kind (ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, peer-to-peer payments, and wire transfers); balance transfers; disputes, illegal actions, and violations (disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (returned payment fees, monthly or annual fees); gambling transactions (bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for additional details about the rewards program.
2 To qualify for the 60,000 bonus points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. “Purchases” that do not apply to this offer and do not earn rewards points include: cash advances and equivalents of any kind (ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, peer-to-peer payments, and wire transfers); balance transfers; disputes, illegal actions, and violations (disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (returned payment fees, monthly or annual fees); gambling transactions (bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for additional details about the rewards program.
3 Five points (1 base point plus 4 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice® brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Three points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists for providing a home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details.
4 Ten points (1 base point plus 9 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice® brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Five points (1 base point plus 4 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists for providing a home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details.
5 To be eligible to receive the 10 Elite Night Credits with your card account, you must have an active Choice Privileges Rewards Program Member account linked to your card account. The 10 Elite Night credits will be available in your Choice Privileges Rewards Program member account within 14 days upon opening your card account. Within 14 days of January 1 of each subsequent calendar year, the 10 Elite Night Credits will be available in your Choice Privileges Rewards Program account, as long as your card account is open as of December 31 of the prior calendar year. Refer to the Choice Privileges® Rules and Regulations for details.
6 To be eligible to receive the 20 Elite Night Credits with your card account, you must have an active Choice Privileges Rewards Program Member account linked to your card account. The 20 Elite Night credits will be available in your Choice Privileges Rewards Program member account within 14 days upon opening your card account. Within 14 days of January 1 of each subsequent calendar year, the 20 Elite Night Credits will be available in your Choice Privileges Rewards Program account, as long as your card account is open as of December 31 of the prior calendar year. Refer to the Choice Privileges® Rules and Regulations at Choice Privileges® Rules and Regulations for details.
7 You will earn 30,000 Points (your “anniversary bonus points”) each 12 month period (an “anniversary year”) that your card account remains open, not delinquent, and not in default at the time the award is issued. Your anniversary year begins on your account open date (your “anniversary date”) and ends on the day prior to your next anniversary date. For example, if your account anniversary date is November 28, your account anniversary year will end on November 27 each year. Your anniversary bonus will appear as pending on your anniversary date and will be redeemable within seven days after your anniversary date.
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