Credit Cards Review:® Rewards Visa® Credit Card | Smart change: personal finance


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While many rewards travel enthusiasts focus on earning airline miles, hotel rewards programs often offer more value with fewer restrictions. And the most flexible way to earn hotel rewards is to use an online travel agency that can access hundreds of thousands of properties, rather than just one company.

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Wells Fargo offers the® Rewards Visa® credit card which offers rewards that you can redeem for reward nights at more than 500,000 properties in more than 200 countries around the world.

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  • Welcome bonus: Two reward nights with a total value of $ 250 (max $ 125 per night), when you use your card to spend $ 1,000 within three months of opening the account.
  • Rewards: Collect a stamp for every $ 500 in purchases you make with your card, and a stamp for every night spent at an eligible property booked on
  • Annual subscription : Nothing
  • APR: 14.99% to 22.99%, depending on your creditworthiness
  • Promotional financing offer: Nothing

How does this card work

New cardholders earn two reward nights, totaling $ 250 (max $ 125 per night), when they use their card to spend $ 1,000 within three months of opening the account. And when you use your card, you get a stamp for every $ 500 in purchases you make, plus a stamp for every night you spend at an eligible property booked on Once you’ve earned 10 stamps, you can redeem them for $ 110 for a Reward Night.

There are also benefits to earning stamps through the rewards program. Cardholders receive Silver status for the first year, which can offer perks like free breakfast, airport transfers, free Wi-Fi, and more at select properties. Earn 30 or more stamps and you’ll receive Rewards Gold status, which offers free upgrades, early check-ins and late check-out at VIP Access properties.

This card offers other benefits such as a cell phone protection program that covers up to $ 600 in the event of theft or damage. You also benefit from Trip Cancellation and Interruption Coverage which offers reimbursement of a non-refundable passenger fare if your trip is interrupted or canceled for a covered reason, when your passenger fare is booked with your card.

There is no annual fee for this card, nor any overseas transaction fees.


This card is a relatively easy way to earn hotel rewards, without having to stay only at properties of a particular brand. This can open you up to thousands of independent hotels, including hostels, guesthouses, and other properties that are not part of a chain.

This card offers rewards that combine with those already offered by the Rewards program, so customers may already have some of these stamps. And if you use the card and regularly, you can enjoy the benefits of Silver or Gold status in the Rewards program.

Both the cardholder benefits and the new account bonus are valuable, and it’s always good to see a card with no annual fees or overseas transaction fees.


The rate of return on spending on this card is good, but not exceptional. Since you must earn 10 stamps to receive a $ 110 reward night, and you earn one stamp for every $ 500 spent, you earn 2.2 cents in value per dollar spent. In comparison, Wells Fargo’s own Active Cash card offers 2% cash back on all purchases.

In addition, the new account bonus, worth $ 250, is slightly lower than the most competitive offers currently available.

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Citi Expedia Rewards Credit Card. This card offers new accounts 15,000 Expedia Rewards bonus points after making $ 1,000 of new purchases within three months of opening the account. You earn 3x the bonus points per dollar spent on Expedia purchases, including flights, hotels, activities and travel packages. You earn one point for every dollar spent elsewhere, and the points can be redeemed for travel rewards. There is no annual fee for this card, nor any overseas transaction fees.

American Express Hilton Honors Card. This card gives you rewards with one of the biggest hotel chains, and it has no annual fee. You earn 100,000 bonus points after spending $ 1,000 on purchases within three months of opening the account, and another 50,000 points after spending a total of $ 5,000 on new purchases within six months. You earn 7x points at Hilton properties, 5x on food, gas and grocery purchases, and three points for every dollar spent elsewhere. This card also has Silver Elite status

Chase Marriott Bonvoy Bold â„¢ Credit Card. This is another large chain hotel card with no annual fee. New applicants earn 30,000 bonus points after spending $ 1,000 within three months of opening the account. O You earn 3x points per dollar spent at Marriott properties and 2x points on other travel purchases such as plane tickets, taxis and trains. You also receive 15 Elite Stay Credits, which gives you Silver status and a head start in reaching Gold level.

Final result

Unlike single-chain hotel credits, the card is different. By earning rewards, and at almost any hotel, which you can redeem for reward nights at almost any hotel, the card gives you maximum flexibility at a minimum price.

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