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Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $203
- First-Year Value Estimate
- $717
- Net Value
- +$108
Card type: PersonalForeign transaction fee: NoneCurrency: Wells Fargo Rewards
Earning Structure
5XHotels7%
4XFlights5.6%
3XDining4.2%
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
- Tied best card for hotels7.0%
- Listed among 94 cards for flights5.6%
- Listed among 144 cards for dining4.2%
- Listed among 93 cards for travel4.2%
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
Worth it for me?Credits & Perks (1)
- Airline: $50 (Annual Cardmember Year)
$50 statement credit applied to your account when your card is used for an airline purchase of at least $50
Protections (5)
- Travel Accident Insurance — up to $1,000,000 — $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance
- Trip Cancellation/Interruption — up to $15,000 — Up to $15,000 per traveler per trip, $20,000 max per 12-month period
- Lost Luggage — up to $3,000 — Up to $3,000 for bags lost due to theft or misdirection
- 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 $1,000 — Up to $1,000 per claim with a $25 deductible; maximum 2 claims per year. Excludes cosmetic damage.
Other Perks
- Transfer points to airline/hotel partners: Aer Lingus, Air France-KLM, Avianca, British Airways, Iberia, JetBlue, Virgin Atlantic, Virgin Red (1:1), Choice Privileges (1:2)
- Autograph Card Exclusives - access to tickets for major musical acts in intimate venues
- 24/7 Visa Signature Concierge service
