Skip to content
RATING® Rewards Visa® Credit Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Instead of cash back or points, you’ll earn stamps — and each stamp’s value depends on how you earn it. You’ll be rewarded for booking your stays at and on general spending, and you can travel safely, equipped with a slew of Wells Fargo travel protection benefits.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 14.99% to 22.99% Variable APR Variable® Rewards Visa® Credit Card

Our rating
Good Min. credit level
$0 Annual Fee
How To Apply

Highlights & Features

(Rates & Fees)


Spending Rewards
  • 1X stamp for spending $500 (valued at $110 for determining reward nights)
Introductory Bonus
  • Two $250 reward nights for spending $1,000 in the first 3 months

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 14.99% to 22.99% Variable APR Variable
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR None
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR Refer to Important Credit Terms
Cash Advance Fee Refer to Important Credit Terms
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Roadside Assistance
  • Emergency Travel Assistance
  • Trip Interruption Insurance
  • Travel Accident Insurance

Wells Fargo

Wells Fargo has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-642-4720 or

Try a different phone number
See all Issuer Cards

The rewards program for this card is a bit different, if not a little bit tricky. You earn one stamp every time you spend $500 with the card, and bookings earn one stamp for each night you stay at an eligible property booked at (with or without the card). Here’s the breakdown:

  • Once you accrue 10 stamps, you can trade them in for a free night stay.
  • The redemption value of those 10 stamps will be their average value (add them all up, divide by 10).
  • The value of each stamp will depend on how you earn it.
  • Stamps earned for spending $500 are each worth $110; stamps earned for night stays are valued at the price of the room.

So, if you have 10 stamps with an average value of $120, for example, you can redeem them for a free night stay worth $120 or less.

When booking with stamps, you’ll still be responsible for any taxes and fees your stay may cost.

When it comes to the stamps you earn for spending $500, you wind up with a cash back equivalent of less than 2.2%, after those fees. But you can increase that with the stamps you earn by booking rooms via

There’s no yearly fee to use the card so you’ll have to decide if the earning rate is worth it, depending on how often you use Another incentive: Cardholders get Rewards Silver status for the first 12 months, giving you perks like free breakfast, WiFi, spa vouchers, and more.

This card also offers a nice handful of travel protections like Trip Cancellation and Interruption, Roadside Dispatch, Travel and Emergency Services, and Auto Rental Collision Damage Waiver insurance just to name a few.

There is no foreign currency conversion fee (aka foreign transaction fee) and no annual fee.

Scroll to top