Choice Privileges Mastercard: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

Choice Privileges Mastercard earns 3x points at supermarkets, 3x points at gas stations, and 1x points on everything else. We value Choice Privileges at 0.6¢ per point toward travel and 1¢ as cash; the table below shows both readings. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	1x points	1¢ cash · 0.6¢ travel
Supermarkets	3x points	3¢ cash · 1.8¢ travel
Gas stations	3x points	3¢ cash · 1.8¢ travel
Travel	1x points	1¢ cash · 0.6¢ travel
Online shopping	1x points	1¢ cash · 0.6¢ travel
Drugstores	1x points	1¢ cash · 0.6¢ travel
Transit & rideshare	1x points	1¢ cash · 0.6¢ travel
Streaming	1x points	1¢ cash · 0.6¢ travel
Everything else	1x points	1¢ cash · 0.6¢ travel

Travel value uses 0.6¢ per point for Choice Privileges, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Nowhere on published rates alone. Its case rests on credits, offers or the program its points feed, not on the earn rate.

Built-in store rates

Permanent card benefits in our verified data, not offers.

Store	Rate
Comfort Inn	5%
Comfort Suites	5%
Choice Hotels	5%

Where the grocery bonus will not post

Superstores and warehouse clubs code outside the supermarket category, so the grocery rate usually does not post at Walmart, Target, Costco, Sam's Club or BJ's. Check any store.

See it against the rest of your wallet →

How RightCard handles this: add the Choice Privileges Mastercard in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

What does the Choice Privileges Mastercard earn at supermarkets?

3x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the Choice Privileges Mastercard earn on everything else?

1x points on purchases outside its bonus categories.

Does the Choice Privileges Mastercard have an annual fee?

No annual fee.

How much are Choice Privileges Mastercard points worth?

About 0.6¢ each toward travel by our conservative estimate for Choice Privileges, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards · Supermarkets guide · Gas stations guide