Choice Privileges Select World Elite Mastercard Credit Card Terms and Conditions

Choice Privileges^® Select Mastercard^® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms")

1. Definitions. The terms below have the following meanings:

   1. "Account" means a Choice Privileges Select Mastercard Credit Card* issued by Wells Fargo
      Bank, N.A. ("Wells Fargo," "We," "Our," and "Us").
   2. "Billing Cycle" is the interval between statements for Your Account.
   3. "You" and "Your" means each person that has an Account.
   4. "authorized user" shall mean anyone legally authorized by you to use your card account.
   5. "Choice Privileges Rewards Program" refers to the loyalty program owned and operated by Choice Privileges Loyalty Services, LLC. The "Choice Privileges Rewards Program Rules and Regulations" refers to the agreement between you and Choice.
   6. "Choice Privileges Rewards Member account" means the account through which you participate in the Choice Privileges Rewards Program.
   7. "point(s)" represents an earning unit in the Choice Privileges Rewards Program.
   8. "net purchases" means purchases charged to Your Account minus returns and adjustments. 
   9. "statement period" is the interval between statements for your card account.
   10. "transaction(s)" means a use of your card that results in a charge to your line of credit, excluding fees and finance charges.
   11. "account anniversary year" means the year beginning with your account open date through the anniversary of your account open date, each 12 months after that.

   Any capitalized terms not defined in this Card Rewards Program are defined in the Choice Privileges Reward program.

2. Agreement. These Terms govern Your use of the Card Rewards Program. You agree to these Terms by participating in both this Card Rewards Program as well as the Choice Privileges Rewards Program. We may share Account information with Choice Privileges Rewards Program for purposes of administering or servicing the Card Rewards Program. Wells Fargo or Choice Privileges may contact You using any contact information You provide for purposes of servicing the Card Rewards Program. To contact You, We may call or text You using any phone number You provide to Us in connection with Your account. If the phone number You provide is for a mobile phone, You understand and agree that We may contact You using an autodialer, prerecorded or artificial voice message, or text message. You also understand that Your mobile carrier may charge message or data fees. You must have an open Choice Privileges Rewards Member account in which you are earning points.

3. Earning Points with your Choice Privileges Select Mastercard. One way to earn points on Your Choice Privileges Rewards membership is through purchases made on Your Choice Privileges Select Mastercard. The Card Rewards Program is automatically available for Your Account if it is open and not delinquent at the time points are earned. Choice Privileges Select Mastercard cardholders will earn:

   Choice Privileges Select Mastercard cardholders will earn:

   • 10 points (1 base point plus 9 bonus points) per $1 spent on qualifying net purchases made on the card Account on stays at Choice® brand hotels and at non-Choice brand hotels and resorts booked through choicehotels.com, the Choice mobile app, or by calling the Choice Hotels Service Center and, for Choice brand hotels only, for bookings made directly at the hotel (each participating hotel an "Eligible Location"). Eligible Locations are located in the following regions: United States, Puerto Rico, Canada, Europe, the Middle East, Mexico, Central America, the Caribbean and Australasia. Europe excludes: Denmark, Estonia, Finland, Iceland, Latvia, Lithuania, Norway and Sweden. Note that all Choice brands, hotels or third-party hotels or resorts may not participate, and that Eligible Locations may be added or removed at any time; see choicehotels.com/creditcards/eligiblelocations* for a list of Eligible Locations and for any other locations that may be eligible. *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. You also earn 10 points (1 base plus 9 bonus points) per $1 spent on qualifying net purchases made on the Card Account of Choice Privileges points, which will be awarded in the billing cycle when the qualifying purchase posts to the Card Account.

   • 5 points (1 base Point plus 4 bonus points) per $1 spent on qualifying net purchases at retailers whose merchant category for Mastercard® is classified in the following categories:
     • Gas stations, automated fuel dispensers, and electric vehicle charging stations. Gas purchases at warehouses and membership clubs, grocery stores, car washes, auto repair stores, and superstores that sell gasoline may not be coded as gas stations and may not be eligible to earn bonus points.
     • Grocery stores, supermarkets, delis and bakeries.  Grocery purchases at warehouses and membership clubs, convenience stores, meal-kit delivery services, and superstores that sell groceries may not be coded as grocery stores and may not be eligible to earn bonus points. 
     • Landline and cell phone providers considered telecommunication services. Purchases of cell phone hardware, cell phone accessories, or subscription-based services not related to telecommunications, including cable television and streaming services, may not be coded as a telecommunication service and may not be eligible to earn bonus points. In addition, cell phone payments made through third-party merchants may not be classified as a telecommunication transaction and may not be eligible to earn bonus points.
     • 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.  The following services may not earn bonus points:  exterminating and disinfecting services, cleaning, maintenance and janitorial services, miscellaneous repair and small appliance repair services, and welding services. In addition, supermarkets, department stores, discount stores, and wholesale clubs that sell home furnishings may not be coded as a home supply warehouse store or a furniture, home furnishings, and equipment store and may not be eligible to earn bonus points. 

   • One point will be earned per $1 spent on other qualifying net purchases.

     Anniversary Bonus Points. 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, after your billing cycle ends.

     Choice Privileges Elite Night Credits. 20 Elite Night Credits will be available in your Choice Privileges Rewards Program Member account, owned and operated by Choice, within 14 days upon the opening of your card account. On January 1 of each subsequent calendar year, the 20 Elite Night Credits will be available in your Choice Privileges Rewards Program account in accordance with Choice Privileges Rewards Program Rules and Regulations, as long as your card account is open as of December 31 of the prior calendar year. 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. Refer to the Choice Privileges Rewards Program Rules and Regulations at www.choicehotels.com/choice-privileges/rules-regulations* for details. *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. 

     The following will not count as qualifying net purchases and do not earn points:

     Cash Advances and Equivalents of Any Kind	ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, SUPERCHECKS™, wire transfers
     Balance Transfers	Balance Transfers, SUPERCHECKS™
     Disputes, Illegal Actions, and Violations	Disputed or illegal purchases, purchases that violate the terms of your Credit Card Account Agreement or the Choice Privileges Rewards Program Rules and Regulations
     Fees and Interest of Any Kind	Fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees
     Gambling Charges of Any Kind	Bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers

     Merchants are assigned codes by Mastercard based on the products or services they primarily sell. Purchases not processed using the codes for Mastercard identified above will not qualify for bonus points. Wells Fargo and Choice Privileges do 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.

     Merchants control when they process purchases; therefore the date each qualifying purchase posts to your account is determined solely based on the date provided by the merchant.

     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.

     You may view your earned and unredeemed points at Choice Privileges by logging into your membership account.

     Bonus Offer Points:

     • Wells Fargo or Choice Privileges may offer you ways to earn bonus points through the Card Rewards Program or with third-party partners, such as special promotional offers ("promotional offers"). You’ll find out more about the number of points you can earn and any other terms at the time of the promotional offer. The additional terms for those promotional offers are incorporated by reference herein as part of these Terms as well as the Choice Privileges Rewards Program Rules and Regulations.
     • Promotional offers may be subject to any such third party’s additional terms and conditions that are outside of Our control. We are not liable for the actions of those parties and their implementation of such additional terms and conditions. It is Your responsibility to carefully read and comply with any terms and conditions imposed in connection with any promotional offer.

4. Point Redemption. You can only redeem Your points at Choice Privileges. Point redemptions may not be refundable.  Refer to the Choice Privileges Rewards Program Rules and Regulations at www.choicehotels.com/choice-privileges/rules-regulations* for details. To learn more about the redemption value of a reward night earned from eligible stays at Choice Privileges, refer to www.choicehotels.com* for details. *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.

5. General Terms. We reserve the right to amend, cancel, or temporarily suspend the Card Rewards Program, in whole or in part, or change any of the terms, at any time and for any reason, which may result in the decrease of redemption value or cancellation or forfeiture of any spend that has not been allocated to a point. We will give you advance written notice of material changes to the Terms or Card Rewards Program. We reserve the right to remove any person from the Card Rewards Program in the event of suspected fraud or abuse of the Card Rewards Program privileges or a violation of these Terms, as determined solely by us. We reserve the right to delay or not enforce any of our rights under the Rewards Program without waiving or losing our rights to enforce them later. Any unredeemed points do not have cash value. At any time and for any reason without notice to you, Choice Privileges may change the amount of points required for a redemption. The card Account is only available if you have an open Choice Privileges Rewards Member account in your name. Your card Account will be closed if either you or Choice Hotels terminates or deactivates your Choice Privileges Rewards membership.

   Points accrued and issued by Choice Privileges are subject to the Rules and Regulations of the Choice Privileges Rewards Program. For complete Rules and Regulations of the Choice Privileges Rewards Program refer to www.choicehotels.com/choice-privileges/rules-regulations. *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. Rules and Regulations of the Choice Privileges Rewards Program may be modified and services and benefits may be added or deleted at any time without notice to cardholders. Choice Privileges Rewards Points awarded through the use of the authorized user’s card will only be credited to the primary cardholder’s membership account.

   Wells Fargo’s sole obligation concerning the award and redemption of points is to make a valid request to Choice Privileges to award points to Your associated Choice Privileges Rewards Member account. Points will be calculated each Billing Cycle. You will see Points you’ve earned from card purchases on Your monthly card billing statement. Points earned during a billing cycle will be automatically transferred to Choice Privileges Rewards Program after the end of each billing cycle. Returns or adjustments may affect your Points calculation. Wells Fargo disclaims liability or responsibility for Choice Privileges’ failure to award or redeem points to or from your associated Choice Privileges Rewards Member account after Wells Fargo has met its obligations to Choice Privileges Rewards Program in connection with such a request.

   This agreement governs the receipt of points in connection with the use of your card account and is separate and in addition to the Choice Privileges Rewards Program Rules and Regulations that govern your participation in the Choice Privileges Rewards Program. The Choice Privileges Rewards Program Rules and Regulations are available online at www.choicehotels.com/choice-privileges/rules-regulations. *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. Information in this agreement that relates to the Choice Privileges Rewards Program is not complete or comprehensive and does not include all of the information that you should know about the Choice Privileges Rewards Program.

   Some points or promotional offers you receive may qualify as taxable income to you. Your points’ value may be reported as income to the Internal Revenue Service, as well as state and local tax authorities. By using the Card Rewards Program, you are responsible for paying any federal, state or local taxes on the reward, or other connected fees or gratuities. If you have other questions about your tax liability, please consult your tax advisor.

6. Governing Law. These terms are governed by federal law and to the extent applicable, South Dakota law.
7. Arbitration Disclosure. These terms are made part of your credit card agreement with Wells Fargo Bank, N.A. and any arbitration provisions listed, including the Military Lending Act, will apply to these terms.

* The Choice Privileges Select Mastercard Credit Card is issued and administered by Wells Fargo Bank, N.A. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated.