Rewards Visa Credit Card | Wells Fargo

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Página principal® Rewards Visa® Credit Card Rewards Visa Credit Card
  • Get a reward night worth $125 when you spend $1,000 on purchases in the first 3 months. Excludes taxes and fees. If your reward night costs less than $125, you won't get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on and collect 1 stamp each time you spend $500 on purchases with your card. Collect 10 stamps, get 1 reward night.

Great For

  • Unlocking your next adventure
  • Turning everyday spending into reward nights
  • Combining purchases and eligible stays to earn more reward nights

Card Features

Fees and Rates

Annual Fee


Review Important Credit Terms.

Annual Percentage Rate (APR) on purchases

14.99% to 22.99%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate.

Review Important Credit Terms.

Annual Percentage Rate (APR) on balance transfers

14.99% to 22.99%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate.

Review Important Credit Terms.

Read the Rewards Credit Card Agreement.

Credit card subject to credit qualification.

Earn and Redeem Rewards

Earning rewards

  • Purchases on the Rewards Visa Credit Card can get you closer to your next adventure.
  • Collect 1 stamp worth $110 each time you spend $500 on purchases with your Rewards Visa Credit Card.
  • Collect 1 stamp for each night’s stay at any eligible property booked on Each stamp is valued at the room rate.

Redeem Your Reward Night

  • When you collect 10 stamps, you’ll get 1 reward night to redeem on future bookings through
  • To redeem a reward night through, your Rewards program account must be active.
  • The redemption value of your reward night is based on the average of the 10 stamps you have earned. You are responsible for taxes, fees, and other charges.,
  • Choose from more than 500,000 properties in 200+ countries around the world.

Additional Features and Benefits

Your Rewards Visa Credit Card comes with account features such as:

  • Cell Phone Protection. This helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your Rewards Visa Credit Card. Review the Cell Phone Protection Guide to Benefits (PDF) to learn more.
  • Trip Cancellation and Interruption Protection offers reimbursement for 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.  Review the Visa Guide to Benefits, Trip Cancellation and Interruption section to learn more.
  • No annual fee.

Plus, these security features offered by Wells Fargo:

  • 24/7 Fraud Monitoring
  • Zero liability protection to protect you from liability for unauthorized transactions when you report them promptly.
  • Chip and contactless (tap-to-pay) technology to provide better protection against counterfeit fraud. When used at chip enabled terminals, this technology generates a unique transaction code.
  • Alerts to track purchases and receive notifications of irregular or suspicious activity.

Frequently asked questions

What do I need to apply online?

You'll need to create an account on for the Rewards program. If you already have an account, just sign on with your current username and password.

You'll complete your credit application on To apply, you’ll need to provide your name, address, date of birth, driver’s license, and some other identifying information.

What should I expect after I apply online?

We'll let you know your application status on the confirmation page and by email. If you're approved, the confirmation page and email will also provide your credit limit. You can expect to receive your card within 5 to 7 days.

We may need more time to review your application. If that's the case, we'll send you a reference number, and a number you can call to check on your status.

How do I manage my Rewards Visa Credit Card account?

Sign on to Wells Fargo Online® to see your credit card balance, make payments, and more.

Important Credit Terms® Rewards Visa® Credit Card Terms and Conditions

Issued and administered by Wells Fargo Bank, N.A., pursuant to a license from Visa U.S.A. Inc.

You agree that we may consider you for a Visa Signature credit card if you qualify. If you opened a Rewards Credit Card within the last 15 months, you may not be eligible for an introductory bonus rewards offer. See important exclusions below.


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

14.99% to 22.99%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

14.99% to 22.99%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate.

APR for Cash Advances


This APR will vary with the market based on the U.S. Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at *


Annual Fee


Transaction Fees


  • Balance Transfers

Up to 5% for each balance transfer, with a minimum of $5.

  • Cash Advances

Either $10 or 5% of the amount of each advance, whichever is greater.

  • Foreign Currency Conversion Fee


Penalty Fees


  • Late payment

Up to $37

  • Returned Check or Returned Payment

Up to $37

How we will calculate your balance

We use a method called "average daily balance (including new purchases)".

* We do not control the website. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website.

Eligibility for introductory bonus rewards offer

You may not be eligible for an introductory bonus rewards offer if you opened a Rewards Visa Card within the last 15 months from the date of this application and you received an introductory bonus rewards offer, even if that account is closed and has a $0 balance.

How we will calculate your variable APRs

  • Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. If the U.S. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will select a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rate. The U.S. Prime Rate is 3.25 percentage points as of 10/30/2020.
  • The "Margin" for purchases and balance transfers will be 11.74 to 19.74 percentage points, based on your creditworthiness.
  • The "Margin" for cash advances will be 21.49 percentage points.

Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. 

You may not qualify for the lowest APRs disclosed above. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.

Application of payments

Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.

Important information about procedures for opening a new account

To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask for your driver's license or other identifying information.

Consent to contact you

By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology. You are responsible for any service provider charges as a result of us contacting you. You agree to promptly notify us if you change any contact information you provide to us. This includes your name, mailing address, e-mail addresses, or phone numbers. If you have a joint Account, a notice to one of you will serve as a notice to both of you.

Notice to Ohio residents

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Notice to married Wisconsin residents

If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you.

Application agreement

This application is for a credit card with Wells Fargo Bank, N.A. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. The Bank is authorized to verify or check any of the information given and to obtain credit reports on you. You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. You hereby stipulate to the terms of the arbitration program described in the Agreement. You understand and agree that you will be liable for payment of all amounts owing on the account. The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,000.00.

A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. If you are a married applicant you may apply for credit in your own name.

Eligibility is limited to citizens and permanent resident aliens of the U.S. with a valid Social Security Number without restrictions or an Individual Taxpayer Identification Number (ITIN). 

Information Sharing

If a Rewards Visa Card is opened, the issuing bank, Wells Fargo Bank, N.A., will provide your full account number to as part of the account opening process.  We may share Account information with for purposes of administering or servicing the Card Rewards Program.

Important notice

Please call to activate your new card as soon as you receive it. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online banking and ATM access may be delayed and you may be denied access to your account.

This information about the cost of the credit card account described in this disclosure is accurate as of August 2020. This information may have changed after that date. To find out what may have changed, call 1-877-209-2971.

Important Reward Night Notice

To qualify for the introductory bonus of one (1) reward night valued at $125 (the "reward night"), a total of at least $1,000 in net purchases (purchases minus returns and credits) must post to your account within 90 days from the date the account is opened. The reward night will show as redeemable at 1 – 2 billing periods after it is earned. You must have an open and active Rewards membership in which you are earning stamps in US dollars to receive this reward night. This offer is limited to one reward night in total. You are responsible for taxes, fees, and other charges. may charge a redemption fee for each reward night redeemed. This fee will not be charged for Rewards Visa Card cardholders if your card account is open at the time of redemption. If you choose a room, apartment, or other equivalent accommodation that costs more than $125, you pay the difference. If you choose a room, apartment, or other equivalent accommodation that costs less than $125, the redemption value of the reward night is limited to the cost of the accommodation before taxes, fees, and other charges. There will be no remaining redemption value associated with this reward night and there will be no cash refund for any residual amounts. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer.

ATM transactions, cash advances of any kind, balance transfers, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees are not considered purchases and do not earn credit towards this reward. Refer to the Rewards Visa Card Rewards Program Agreement Terms and Conditions at for additional details about the Program.

Information that relates to the Rewards does not include all of the information that you should know about Rewards. The Rewards Terms and Conditions are available online at Wells Fargo has provided this link for your convenience.  While Wells Fargo has a relationship with, we do not operate their site and their security and privacy policy may be different.

Silver Tier Benefit on your Rewards® membership

You must have an open and active Rewards membership in which you are earning stamps in US dollars to earn Rewards Silver®. You automatically earn the Rewards Silver tier for 12 months from the date the account is opened. Usage of the card is not required and your Rewards Silver tier will not be removed if the card is closed. To continue to earn Rewards Silver tier past the 12 months, please refer to Rewards program terms and conditions located at for detailed information. Wells Fargo has provided this link for your convenience.  While Wells Fargo has a relationship with, we do not operate their site and their security and privacy policy may be different. If you have already qualified for Rewards Silver, your Rewards Silver tier will automatically extend for 12 months at the expiration of your current membership period.

Cellular telephone protection

Cellular Telephone Protection can reimburse the eligible Rewards Visa Card cardholder for damage to or theft of a cell phone. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with a maximum benefit limit of $600 per claim and $1,200 per 12 month period. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). This protection is only available when cell phone bills are paid from your Rewards Visa Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Rewards Visa Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Rewards Visa Card. This protection may not be equivalent to or better than other applicable coverage. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner's, renter's, automobile, or employer's insurance policies) and may be applied after all other insurance. For complete coverage benefits and exclusions regarding this protection, go to

Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Rewards Visa Card to get up to $600 protection.

Please note that the offers displayed on this page may differ from offers you may have received from or Wells Fargo. Please refer to your offer specific disclosures for more details.

Eligibility for introductory bonus rewards offer

You may not be eligible for the introductory bonus rewards offer if you opened a® Rewards Visa® Credit Card within the last 15 months from the date of this application and you received an introductory bonus rewards offer, even if that account is closed and has a $0 balance.

Available to both citizens and permanent resident aliens of the U.S.

Credit Limit

Also known as credit line, this is the maximum amount you can carry as the balance on your credit card.

Annual Fee

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

Annual Percentage Rate (APR)

The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.

Balance Transfer

Allows you to use the available credit on one credit card to pay the balance on one or more credit lines or loans. While making a balance transfer may be beneficial to you, balance transfers also may have limitations and/or fees associated with them so please consult your account agreement before making a balance transfer.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.