Earn hotel rewards on Choice stays with no annual fee

Choice Privileges® Mastercard®: Calculator & Hotel Points Breakdown

Fees

Earning Rates

Earn 5X points on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases.
Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services.
Earn 1X points on all other purchases.

Main Benefits

10 Elite nights every year which grants complimentary Choice Privileges Gold status
Cell phone protection and Mastercard World Elite benefits

Our Take

The Choice Privileges Mastercard is the best no-annual fee option for earning Choice Hotel points. It can be a useful card if you find yourself at Choice brand hotels a few times per year.

Last Updated: 04-07-2025

Choice Privileges Mastercard Points Calculator

Use this calculator to estimate how many Choice Privileges points you'll earn with the no-annual-fee Mastercard based on your monthly spending. Compare this entry-level hotel card to other travel rewards options to determine your best-value setup.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Choice Privileges® Mastercard® Details

Earning Rates

The Choice Privileges Mastercard earns Choice Hotels points at the following rates:

5 points per $1 spent at participating Choice Hotels properties.
3 points per $1 spent on purchases at gas stations, grocery stores, home improvement stores and phone plans from landline and cell phone providers
1 point per $1 spent on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the Choice Privileges Mastercard:

Automatic Gold Elite Status: Receive 10 elite night credits qualifying for at least Gold level status each calendar year.
Travel & Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Lost Baggage Reimbursement, Cell Phone Protection, and Auto Rental Collision Damage Waiver.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The Choice Privileges Mastercard has a $0 annual fee.

Authorized User Fee

There is no fee to add authorized users to the Choice Privileges Mastercard.

Foreign Transaction Fee

The Choice Privileges Mastercard has a 0% foreign transaction fee. This means you can use to the card to earn points when abroad without being charged a fee.