Choice Privileges® Mastercard®

Footnote 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 more information about the rewards program. ←back to content

Footnote 2. 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 providing 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. ←back to content

Footnote 3. Earn 5 points (1 base plus 4 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 purchases posts to the card account. Refer to the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details. The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content

Footnote 4. Additional points received under the Choice Privileges program for stays at hotels participating in Choice Privileges will be earned in accordance with the terms and conditions of the Choice Privileges program. You must have an Elite Gold Membership to earn the 10% point earn bonus on base Choice Privileges points (on the amount of Choice Privileges points earned on a point-eligible stay). WoodSpring Suites® properties do not participate. Eligible stays earn Choice Privileges members 10 points for each whole U.S. dollar when paying qualifying room rates, excluding taxes, restaurant, or other incidental charges. Stays at MainStay Suites®, Suburban Studios®, and Everhome Suites® earn 10 points for each whole U.S dollar spent on eligible stays of 6 nights or fewer, and earn 5 points for each whole U.S. dollar spent on eligible stays of 7+ nights, with a maximum of 30 total nights. Hotels are independently owned and operated. Refer to the Choice Privileges® Rules and Regulations for additional details at choicehotels.com/choice-privileges/rules-regulations. ←back to content

Footnote 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 Rewards Program Rules and Regulations at choicehotels.com/choice-privileges/rules-regulations for details. ←back to content

Footnote 6. Cellular Telephone Protection can reimburse the Choice Privileges® Mastercard® cardholder for damage to, theft of, or involuntary and accidental parting of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the cost to repair or replace your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12-month period. Each approved claim has a benefit limit of $800. This benefit does not cover cell phones that are lost (i.e., mysteriously disappear). This protection is only available when cell phone bills are paid with a Choice Privileges Mastercard. Eligible cell phones are the lines listed on your most recent cellular wireless service provider’s monthly billing statement for the billing cycle prior to when the incident occurred. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following the payment of your first cell phone billing using your Choice Privileges Mastercard, and remains in effect when you continue to charge your total monthly cell phone bill to your Choice Privileges Mastercard. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection, refer to the Guide to Benefits.

Note:
Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your Choice Privileges Mastercard to get up to $800 protection. ←back to content

Footnote 7. Certain terms, conditions, and exclusions apply. Please review the Guide to Benefits for details. ←back to content

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