Selection Privileges Mastercard overview
The Selection Privileges® Mastercard® (see charges and charges) is a no-annual-fee choice for vacationers who get pleasure from staying at Selection Lodges properties. The cardboard affords a number of perks, together with 5 factors per greenback spent whenever you use it to pay for qualifying Selection Lodges stays and 10 elite night time credit per calendar 12 months. Card score*: ⭐⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Should you incessantly keep at Selection Lodges, you would possibly think about the Selection Privileges Mastercard. This card has no annual payment (see charges and charges), so it may be choice to earn Selection factors on purchases in order for you a no-annual-fee card.
The Selection Privileges Mastercard launched in early 2023 forward of Selection Privileges’ integration of Radisson Rewards Americas. Profitable candidates normally have a credit score rating of at the least 670; right here’s what else you might want to know concerning the Selection Privileges Mastercard to determine if it’s proper on your pockets.
Selection Privileges Mastercard professionals and cons
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Selection Privileges Mastercard welcome supply
New Selection Privileges Mastercard cardholders can earn 40,000 bonus factors after spending $1,000 on purchases within the first three months from account opening.

As of December 2024, TPG values Selection factors at 0.6 cents every. So, it is best to have the ability to get about $240 value of worth from this welcome supply. This isn’t essentially the most priceless welcome supply we’ve seen on this card; beforehand, new cardholders might earn 60,000 Selection factors for a similar quantity of spending.
Associated: Your full information to incomes and redeeming with Selection Privileges
Selection Privileges Mastercard advantages
As a no-annual-fee card, the Selection Privileges Mastercard doesn’t supply many advantages. However cardholders will get pleasure from:
- 10 elite night time credit every calendar 12 months, which is sufficient for Gold standing and may give you a head begin towards greater standing tiers
- No international forex conversion charges whenever you use your card for purchases exterior the U.S.
- As much as $800 per declare of Mobile Phone Safety which will cowl harm to or theft of a cellphone whenever you pay your month-to-month cellphone invoice along with your card (topic to a $25 deductible, most of two claims per 12-month interval)
- World Elite Mastercard advantages, together with further safety advantages and providers

Selection Privileges Gold standing supplies good advantages, together with a ten% bonus on factors whenever you stick with Selection, some on-site perks, and the flexibility to match your standing to Penn Play Rewards.
Nonetheless, if you happen to incessantly stick with Selection Lodges or are striving for a better tier of Selection Privileges elite standing, the $95-annual-fee Selection Privileges® Choose Mastercard® (see charges and charges) could be a better option.
Associated: How and why to register for Selection Lodges Customized Weeknight Advantages
Incomes factors on the Selection Privileges Mastercard
You’ll earn Selection Privileges factors along with your Selection Privileges Mastercard. Particularly, you’ll earn 5 factors per greenback spent whenever you use your card to pay for stays at taking part Selection Lodges properties that you just booked straight.
Nonetheless, examine the checklist of eligible areas earlier than paying on your keep since some worldwide Selection Lodges areas aren’t eligible.

You’ll additionally earn 5 factors per greenback spent whenever you use your card to pay for qualifying purchases of Selection Privileges factors and three factors per greenback spent on cellphone plan providers and purchases at fuel stations, grocery shops, and residential enchancment shops.
Lastly, you’ll earn 1 level per greenback spent on different purchases along with your Selection Privileges Mastercard.
Associated: How one can earn factors with the Selection Privileges Eat & Earn eating rewards program
Redeeming factors on the Selection Privileges Mastercard
There are various methods to redeem Selection Privileges factors earned with the Selection Privileges Mastercard. However you’ll normally get essentially the most worth when redeeming for Selection Lodges stays.
The Selection Privileges loyalty program affords set charges for every resort primarily based on the day of the week you keep. The charges for a particular property could change each few months however are clearly outlined on every resort’s touchdown web page.
You may anticipate to redeem between 6,000 and 35,000 factors per night time at most Selection Lodges properties. This implies you may keep within the coronary heart of most main U.S. cities for 35,000 Selection factors per night time or much less.

I prefer to redeem Selection factors for stays in Europe and Japan, the place I can normally snag a centrally positioned resort for simply 8,000, 10,000 or 12,000 factors per night time.
One disadvantage of the Selection Privileges program is that you may solely guide award nights inside 100 days of your keep. Nonetheless, that is altering in early 2025, when Selection will lengthen the reserving window to a way more cheap 50 weeks.
Lastly, if you happen to’re a fan of faculty sports activities, you would possibly get important worth by redeeming Selection factors for a distinctive expertise along with your favourite staff.
Associated: Distinctive methods to redeem Selection Privileges factors
Transferring factors on the Selection Privileges Mastercard
You may switch Selection factors to pick airline loyalty applications, together with Southwest Airways Speedy Rewards, Alaska Airways Mileage Plan, and United Airways MileagePlus.

Nonetheless, transferring Selection factors to airline loyalty applications will normally present much less worth than redeeming for resort stays. As such, we advocate getting a card that earns transferable factors, cash-back rewards or airline miles if you happen to aren’t eager about redeeming Selection factors for stays.
Which playing cards compete with the Selection Privileges Mastercard?
Until you’re particularly on the lookout for a no-annual-fee bank card that earns Selection factors, one other card could also be a greater match. Listed below are another playing cards it is best to think about earlier than making use of for the Selection Privileges Mastercard:
- Should you’re keen to pay an annual payment: The Selection Privileges Choose Mastercard will probably be a greater choice. This card affords greater incomes charges on purchases, 30,000 bonus factors each account anniversary, 20 elite night time credit each calendar 12 months, and extra. These advantages will present extra worth than the cardboard’s $95 annual payment for a lot of vacationers. To study extra, try our full assessment of the Selection Privileges Choose Mastercard.
- If you wish to earn extra normal rewards: You may switch Citi ThankYou Rewards factors to Selection Privileges at a 1:2 ratio when you’ve got a card just like the Citi Strata Premier℠ Card (see charges and charges). The advantage of getting considered one of these playing cards as a substitute of the Selection Privileges Mastercard is that there are extra methods to redeem Citi ThankYou factors. To study extra, try our full assessment of the Citi Strata Premier.
- If you need a distinct resort model: The World of Hyatt Credit score Card has a $95 annual payment however comes with perks like an annual free night time award and complimentary Discoverist standing. Hyatt factors are very priceless, so if you happen to’re versatile with resort manufacturers, this card is value contemplating. To study extra, try our full assessment of the World of Hyatt card.
For extra choices, try our picks for the finest resort playing cards.
Associated: 3 causes you want a bank card along with your favourite resort model
Is the Selection Privileges Mastercard value it?
Should you’re not open to paying an annual payment for a resort card and also you stick with Selection Lodges at the least a few occasions every year, the Selection Privileges Mastercard is value making use of for. Its complimentary Gold elite standing and bonus earnings on Selection purchases are good perks. Should you’re an enormous Selection Lodges fan, think about the higher-tier Selection Privileges Choose Mastercard as a substitute.
Backside line
Most vacationers contemplating a cobranded Selection Lodges bank card will discover the additional perks on the Selection Privileges Choose Mastercard make it a greater worth than the Selection Privileges Mastercard.
However, if you happen to’re solely available in the market for a no-annual-fee card, the Selection Privileges Mastercard does supply 10 elite night time credit every year — sufficient for Gold elite standing within the Selection Privileges program — and 5 factors per greenback spent on eligible Selection Lodges stays.
Apply right here: Selection Privileges Mastercard