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Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $313
- First-Year Value Estimate
- $1,277
- Net Value
- +$218
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 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 (2)
- Airline: $50 (Annual Cardmember Year)
Annual statement credit when the card is used for an airline purchase of at least $50.
- Global Entry: $120 (Every 4 Years)
Up to $120 statement credit toward a Global Entry application fee.
Protections (7)
- Trip Cancellation/Interruption — up to $15,000 — Up to $15,000 per person per trip, with a $20,000 maximum per 12-month period. Pay the entire cost of the Covered Traveler’s trip, less redeemable certificates, vouchers, or coupons, with the card to be eligible.
- Trip Delay — up to $300 — Up to $300 per day for delays over 6 hours. Pay the entire cost of the Covered Traveler’s common-carrier fare, less redeemable certificates, vouchers, or coupons, with the card to be eligible.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost or stolen by a common carrier up to $3,000 per person per trip (the lesser of original purchase price, actual cash value at time of loss after depreciation, or replacement cost). Pay the entire cost of the Covered Traveler’s common-carrier fare, less redeemable certificates, vouchers, or coupons, with the card to be eligible.
- Travel Accident Insurance — up to $1,000,000 — Up to $1,000,000 in accidental death or dismemberment insurance while traveling on a common carrier when the entire common-carrier fare, less redeemable certificates, vouchers, or coupons, is charged to the card.
- Purchase Protection — Visa Infinite trip purchase protection.
- Auto Rental Collision Damage Waiver (primary) — Primary coverage for rental-car collision damage and theft. Pay the full rental cost with the card to be eligible. Coverage is not available in Israel, Jamaica, the Republic of Ireland, or Northern Ireland.
- Cell Phone Protection — Up to $1,000 per claim; $25 deductible.
Other Perks
- Transfer points to select airline and hotel programs.