Rewards Visa Credit Card Review

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The Rewards Visa Credit Card, issued by Wells Fargo, helps you earn reward “stamps” that can be used toward hotel stays. Because the card is not branded with a particular hotel chain, it provides travelers more options to book reward nights. The card’s added perks, travel benefits, and lack of annual fee also make it attractive–as long as you’re okay with the unorthodox rewards redemption process.® Rewards Visa® Credit Card

Overall Rating
3.4® Rewards Visa® Credit Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate Spend $500 on the card to collect 1 stamp. 10 stamps equals 1 reward night worth $110
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Limited Time Offer! Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.

Who Is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

The Rewards Visa Card is aimed at consumers who aren’t loyal to a particular hotel brand and book their hotel stays on the platform.

For people who stay at a variety of hotel chains, and also want to dabble in hotel credit card rewards without shelling out an annual fee, it can be a good fit. Cardholders have over 500,000 properties they can choose from when booking a trip through and there are no blackout dates. The card is also stacked with additional travel benefits and perks.

Unlike some other cards, however, you can’t cash in points or miles for other rewards or transfer them to travel partners.

  • Hotel booking flexibility

  • Earn Silver status for one year

  • Excellent rewards rate

  • No bonus earnings when you pay for a booking with the card

  • There are some program loopholes to watch for

  • Stamps could expire after 12 months

Pros Explained

  • Hotel booking flexibility: The best benefit of this card is that there are over 500,000 properties you can choose from when booking a reward night. You aren’t limited to a particular chain’s availability at your destination. 
  • Earn Silver status for one year: Normally, you would have to stay 10 or more nights within a year to earn perks-laden Silver status, but you’ll be automatically enrolled in this tier for 12 months when you open the card. Existing Silver members get an automatic one-year extension. 
  • Excellent rewards rate: The average value of a reward night earned through spending is more than the value you get out of rewards earned through major U.S. hotel brands like Hyatt and Marriott.

Cons Explained

  • No bonus earnings when you pay for a booking with the card: Most hotel cards offer a higher earnings rate when you purchase an actual hotel stay, but you don’t get a boosted rewards rate for using your card on
  • There are some program loopholes to watch for: You won’t earn stamps for bookings that are a package deal or if you use a coupon. Also, you’ll lose your reward night if you cancel your booking past the property’s cancellation deadline. Plus, some bookings on are non-refundable from the get-go, so pay careful attention. 
  • Stamps could expire after 12 months: You’ll lose any stamps you’ve earned if you don’t earn a stamp or redeem a reward night for 12 months.

Bonus for New Cardholders

New cardholders that spend $1,000 in the first three months of account opening will earn two reward nights valued at $250 (max $125 per night) for a limited time. You must already have an open and active Rewards membership in which you are earning stamps in U.S. dollars to receive this reward night. You are responsible for taxes, fees, and other charges. If you book a night that costs more than $125, you simply pay the difference, but if it costs less than $125, you lose the difference.

The bonus isn’t particularly strong when you consider that other no-fee hotel cards have sign-up offers that provide enough points to cover up to four nights. But for users who are used to having to earn 10 stamps before getting a freebie, it’s an easy way to skip ahead.

Also, you’ll earn two stamps for the $1,000 spend to earn your bonus, which gets you closer to your next reward night.

New cardholders also get one year of complimentary Silver status, which offers perks that include complimentary breakfast, airport transfers, spa vouchers, access to VIP properties, and priority customer service. Not every property on the site provides Silver perks, though; you’ll know which hotels do because they’ll have a special gift-box icon in their listing. 

Earning Points & Rewards Rewards members get one stamp for every night booked through the website and one stamp for every $500 you spend on the site and elsewhere. So, if you book a $500 two-night hotel stay on, you’ll earn two stamps for two booked nights, as well as one additional stamp for spending $500. Even if you don’t book any rooms, spending $1,000 per month can earn one reward night in five months.

There are no bonus spending categories on this card, so try to utilize it for spending that doesn’t already get you extra points/miles from other cards in your arsenal. For example, if you have a cash-back card that earns 3% back on groceries, use this card for non-supermarket spending.

Redeeming Rewards

Once you’ve earned 10 stamps, you can redeem them for a reward night. Your reward night’s redemption value is based on the average booking value of the 10 stamps you earned.

That’s easy enough to calculate for stamps you earn through bookings since the value is equal to the per-night cost of the booking—a stamp earned from a one-night $500 booking is valued at $500.

Here’s where it gets tricky, though. The stamps you earn for spending $500 aren’t based on a hotel booking, so values those stamps at $110 (the average value for all stamps earned by all Rewards customers).

Practically speaking, if you used your card to book a five-night hotel stay on that costs $2,500, you’d earn 10 stamps with an average value of $305. So, you could redeem your reward night for a room that costs up to $305. 

If you redeem a reward night you earned solely from purchases, your reward night is equivalent to a 2.2% rewards rate. No other hotel loyalty program offers that much value, making the credit card an excellent value for hotel bookings. Just remember, though, that if you earn stamps for hotel nights booked on, your average value will go up or down depending on how much the booking costs.

You must earn a stamp or redeem a reward night within 12 months, or your stamps and rewards will expire. This shouldn’t be hard to do since just spending $500 in a calendar year will earn you a stamp (thus giving you 12 more months from the date it’s earned), but it’s important to know if you have a tendency to swap out your cards.

How to Get the Most Out of This Card

To maximize the card, start by earning the bonus for new cardholders, which is valued at $250, by spending $1,000 in the first three months. Then, use the card for any purchase categories that aren’t earning 2% or more on your other cards.

Also, book wisely so that you can get the most out of your rewards. For instance, look for places where you can use your Silver status for the complimentary breakfast and other perks. Pay attention to the redemption value that you earn for your reward night, too. You forfeit any unused part of the reward-night value, so make sure you use as much of it as you can.

To help you earn stamps, use this card to autopay your cellphone bill. Not only is it a bill you’d pay anyway, but the card offers cellphone coverage, which could come in handy. Rewards Visa Card’s Excellent Perks 

The Rewards Visa Card has three benefits that stand out, especially among cards with no annual fees. These include:

  • Cellphone coverage: Pay your monthly cellphone bill with your card and get up to $600 protection against damage or theft (you just have to pay a $25 deductible). This benefit does not cover lost cellphones.
  • Insurance coverage for trip cancellation, interruption, or delay: Your spouse and children are covered up to $2,000 each if you paid for the full cost of the trip with your card.
  • Travel accident insurance: Should an accident occur during a trip paid for with this card, you and your immediate family are insured up to $150,000 for a covered loss. Rewards Visa Card’s Other Features 

  • Rental car collision insurance (secondary to your own policy)
  • Travel and emergency hotline
  • Roadside assistance hotline

Customer Experience

Wells Fargo has a so-so track record with customers, as it placed eighth out of 11 credit card issuers in J.D. Power’s 2020 U.S. Credit Card Satisfaction Study.

You’ll manage your account through Wells Fargo, which offers an online portal to make payments. Customer service is available by phone 24/7, which is standard for the industry, and you’ll also get access to your FICO score each month for free. 

Security Features 

The Rewards Visa Credit Card offers standard security features, including 24/7 Fraud Monitoring, zero liability protection, and chip and contactless card payment options. Customers can also set alerts and notifications to monitor their transactions. Rewards Visa Credit Card’s Fees 

The Rewards Visa Credit Card has no annual fee and no foreign transaction fee.

Next Steps
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CURRENT CARD® Rewards Visa® Credit Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 22.99% variable
Annual Fee $0
Rewards Earning Rate Spend $500 on the card to collect 1 stamp. 10 stamps equals 1 reward night worth $110
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. " Rewards Credit Card - Unlock Way More Nights!" Accessed Oct. 28, 2020.

  2. Wells Fargo. " Rewards Visa Credit Card Terms and Conditions." June 15, 2021.

  3. " Rewards Terms and Conditions." Accessed Oct. 28. 2020.

  4. " Rewards Credit Card - Unlock Way More Nights." Accessed Oct. 28, 2020.

  5. Wells Fargo. " Rewards Visa Credit Card Guide to Benefits." Accessed Oct. 28, 2020.

  6. J.D. Power. "2020 U.S. Credit Card Satisfaction Study." Accessed Oct. 28, 2020.