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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $175
- First-Year Value Estimate
- $263
- Net Value
- +$175
Card type: PersonalForeign transaction fee: NoneCurrency: Wells Fargo Rewards
Earning Structure
3XDining4.2%
3XGas Stations4.2%
3XPhone services4.2%
3XSelect streaming services4.2%
3XTransit4.2%
3XTravel4.2%
1XAll other purchases1.4%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
- Listed among 144 cards for dining4.2%
- Listed among 115 cards for gas4.2%
- Listed among 93 cards for travel4.2%
- Listed among 82 cards for transit4.2%
- Listed among 102 cards for hotels4.2%
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Protections (2)
- Auto Rental Collision Damage Waiver (secondary) — up to $50,000 — Up to $50,000 for collision damage and theft (secondary US, primary international)
- Cell Phone Protection — up to $600 — Up to $600 per claim, $1,200 per year with $25 deductible. Excludes cosmetic damage.
Other Perks
- Points transferable 1:1 to airline partners: Aer Lingus, Air France-KLM, Avianca, British Airways, Iberia, JetBlue, Virgin Atlantic, Virgin Red; Choice Privileges (1:2)
