Hotels.com Rewards Visa Signature Credit Card Credit Terms and Conditions

Navegó a una página que no está disponible en español en este momento. Seleccione el enlace si desea ver otro contenido en español.

Página principal

Hotels.com® Rewards Visa Signature® Credit Card Terms and Conditions

    

Hotels.com® Rewards Visa Signature® 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 Platinum card if you do not qualify for the Visa Signature card. If you opened a Hotels.com Rewards Credit Card within the last 15 months, you may not be eligible for an introductory bonus rewards offer. See important exclusions below.

IMPORTANT DISCLOSURES

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

24.74%

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 http://www.consumerfinance.gov/learnmore. *

Fees

Annual Fee

None

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

None

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 Hotels.com Rewards Visa Signature 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 09/25/2020.
  • 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 $5,000.00.

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 Hotels.com Rewards Visa Signature Card is opened, the issuing bank, Wells Fargo Bank, N.A., will provide your full account number to Hotels.com as part of the account opening process.  We may share Account information with Hotels.com 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 Hotels.com 1 – 2 billing periods after it is earned. You must have an open and active Hotels.com 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. Hotels.com may charge a redemption fee for each reward night redeemed. This fee will not be charged for Hotels.com Rewards Visa Signature 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 Hotels.com Rewards Visa Signature Card Rewards Program Agreement Terms and Conditions at www.wellsfargo.com/credit-cards/hotels-com/terms#rewardssummary for additional details about the Program.

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

Silver Tier Benefit on your Hotels.com Rewards® membership

You must have an open and active Hotels.com Rewards membership in which you are earning stamps in US dollars to earn Hotels.com Rewards Silver®. You automatically earn the Hotels.com Rewards Silver tier for 12 months from the date the account is opened. Usage of the card is not required and your Hotels.com Rewards Silver tier will not be removed if the card is closed. To continue to earn Hotels.com Rewards Silver tier past the 12 months, please refer to Hotels.com Rewards program terms and conditions located at www.hotels.com/rewards for detailed information. Wells Fargo has provided this link for your convenience.  While Wells Fargo has a relationship with Hotels.com, we do not operate their site and their security and privacy policy may be different. If you have already qualified for Hotels.com Rewards Silver, your Hotels.com 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 Hotels.com Rewards Visa Signature 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 Hotels.com Rewards Visa Signature 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 Hotels.com Rewards Visa Signature Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Hotels.com Rewards Visa Signature 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 www.wellsfargo.com/ctp.

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 Hotels.com Rewards Visa Signature Card to get up to $600 protection.






Hotels.com® Rewards Visa Signature® Credit Card Rewards
Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms")

Section 1: Definitions
Section 2: Agreement
Section 3: Earning Stamps with Your Hotels.com Rewards Visa Signature Card
Section 4: Stamp Redemption
Section 5: General Terms
Section 6: Governing Law
Section 7: Arbitration Disclosure
Section 8: Indemnification
  1. Definitions. The terms below have the following meanings:

    • "Account" means a Hotels.com Rewards Visa Signature Card* issued by Wells Fargo Bank, N.A. ("Wells Fargo," "We," "Our," and "Us").
    • "Billing Cycle" is the interval between statements for Your Account.
    • "Net Purchases" means purchases charged to Your Account minus returns and adjustments.
    • "You" and "Your" means each person that has an Account.
    • "Stamp" represents an earning unit in the Hotels.com Rewards program, and may be referred to as a "night" in the Hotels.com Rewards program terms and conditions when used to refer to Your booking and staying at an eligible Hotels.com rewards property.

    Any capitalized terms not defined in this Card Rewards Program are defined in the Hotels.com Rewards program.

  2. Agreement. These Terms govern Your use of the Card Rewards Program. You agree to these Terms by participating in both this Card Rewards Program as well as the Hotels.com Rewards Program Terms and Conditions. We may share Account information with Hotels.com for purposes of administering or servicing the Card Rewards Program. Wells Fargo or Hotels.com may contact You using any contact information You provide for purposes of servicing the Card Rewards Program. You must have an open Hotels.com Rewards account in which you are earning stamps in US dollars.
  3. Earning Stamps with Your Hotels.com Rewards Visa Signature Card. One way to earn Stamps on Your Hotels.com Rewards membership is through purchases made on Your Hotels.com Rewards Visa Signature Card. The Card Rewards Program is automatically available for Your Account if it is open and not delinquent at the time Stamps are earned.

    Hotels.com Rewards Visa Signature Card cardholders will earn one (1) Stamp in the Hotels.com Rewards program for every $500 spent in Net Purchases (purchases minus returns and credits) using Your Hotels.com Rewards Visa Signature Card. Purchases will be rounded up to the nearest whole dollar.

    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 Stamps.

    Stamps will be calculated each Billing Cycle. You’ll see Stamps you’ve earned from card purchases on Your monthly card billing statement. Stamps earned during a billing cycle will be automatically transferred to Hotels.com Rewards program after the end of each billing cycle. Returns or adjustments may affect Your Stamp calculation.

    Any transactions that have not been allocated to a Stamp will be forfeited if Your Account is closed for any reason. In addition, You will forfeit any Stamp that has not been transferred to Hotels.com if Your Account is closed for violating these Terms, the Hotels.com Rewards Program Terms and Conditions, misusing the Card Rewards Program, or violating Your Consumer Credit Card Customer Agreement & Disclosure Statement. If Your Hotels.com Rewards membership is closed for any reason and You retain Your Hotels.com Rewards Visa Signature Card, You will no longer earn Stamps. Earning Stamps with Your Hotels.com Rewards Visa Signature Card may not prevent Your Hotels.com Rewards membership from going inactive (please visit www.hotels.com/rewards for details). Wells Fargo has provided this link for your convenience.  While Wells Fargo has a relationship with Hotels.com, we do not operate their site and their security and privacy policy may be different.
  4. Stamp Redemption. You can only redeem Your Stamps at Hotels.com. Stamp redemptions may not be refundable.  Refer to the Hotels.com Rewards Program Terms and Conditions at www.hotels.com/rewards for details. Wells Fargo has provided this link for your convenience. While Wells Fargo has a relationship with Hotels.com, we do not operate their site and their security and privacy policy may be different. The redemption value of the Hotels.com Rewards Visa Signature Card Stamps for the purpose of determining Your reward night is currently $110 per Stamp. The redemption value of a reward night is based on the average of the 10 Stamps You earn at Hotels.com from the use of the Hotels.com Rewards Visa Signature Card and from eligible stays booked through Hotels.com (the "Reward Night"). To learn more about the redemption value of a Reward Night earned from eligible stays at Hotels.com, refer to www.hotels.com/rewards for details. Wells Fargo has provided this link for your convenience.  While Wells Fargo has a relationship with Hotels.com, we do not operate their site and their security and privacy policy may be different. You are responsible for taxes, fees, and other charges. Hotels.com may charge a redemption fee for each reward night redeemed. This fee will not be charged for Hotels.com Rewards Visa Signature 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, You pay the difference. If you choose a room, apartment, or other equivalent accommodation that costs less, 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. For additional information on Your Reward Night eligibility, please refer to www.hotels.com/rewards for details. Wells Fargo has provided this link for your convenience.  While Wells Fargo has a relationship with Hotels.com, we do not operate their site and their security and privacy policy may be different.
  5. General Terms. We reserve the right to amend, cancel, or temporarily suspend the Card Rewards Program, in whole or in part, or change any of the Terms, at any time and for any reason, which may result in the decrease of redemption value or cancellation or forfeiture of any spend that has not been allocated to a Stamp. We will give You advance written notice of material changes to the Terms or Card Rewards Program. We reserve the right to remove any person from the Card Rewards Program in the event of suspected fraud or abuse of the Card Rewards Program privileges or a violation of these Terms, as determined solely by Us. We reserve the right to delay or not enforce any of Our rights under the Rewards Program without waiving or losing Our rights to enforce them later. Any unredeemed Stamp does not have cash value. At any time and for any reason without notice to You, Wells Fargo or Hotels.com may change the amount of Stamps required for a Reward Night redemption.

    Stamps accrued and issued are subject to the terms and conditions of the Hotels.com Rewards program. For complete terms and conditions of the Hotels.com Rewards program refer to www.hotels.com/rewards. Wells Fargo has provided this link for your convenience.  While Wells Fargo has a relationship with Hotels.com, we do not operate their site and their security and privacy policy may be different. Terms and conditions of the Hotels.com Rewards program may be modified and services and benefits may be added or deleted at any time without notice to cardmembers. Hotels.com Stamps awarded through the use of the authorized user’s card will only be credited to the primary cardmember’s Hotels.com Rewards account.

    Wells Fargo’s sole obligation concerning the award and redemption of Stamps is to make a valid request to Hotels.com to award Stamps to Your associated Hotels.com Rewards account. Wells Fargo disclaims liability or responsibility for Hotels.com’s failure to award or redeem Stamps to or from Your associated Hotels.com Rewards account after Wells Fargo has met its obligations to Hotels.com Rewards program in connection with such a request.

    This agreement governs the receipt of Stamps in connection with the use of Your account and is separate and in addition to the Hotels.com Rewards program terms and conditions that govern Your participation in the Hotels.com Rewards program. The Hotels.com Rewards program terms and conditions are available online at www.hotels.com/rewards. Wells Fargo has provided this link for your convenience.  While Wells Fargo has a relationship with Hotels.com, we do not operate their site and their security and privacy policy may be different. Information in this agreement that relates to the Hotels.com Rewards program isn’t complete or comprehensive and doesn’t include all of the information that You should know about the Hotels.com Rewards program.

    Some Rewards You receive may qualify as taxable income to You. Your Rewards’ value may be reported as income to the Internal Revenue Service, as well as state and local tax authorities. By using the Program, You are responsible for paying any federal, state or local taxes on the reward, or other connected fees or gratuities. If You have other questions about Your tax liability, please consult Your tax advisor.
  6. Governing Law. These Terms are governed by federal law and to the extent applicable, South Dakota law.
  7. Arbitration Disclosure. These Terms are made part of Your credit card agreement with Wells Fargo Bank, N.A. and any arbitration provisions listed, including the Military Lending Act, will apply to these Terms.
  8. Indemnification. You agree to defend and indemnify Wells Fargo Bank, N.A., the Wells Fargo Bank, N.A. Affiliates, and/or their respective suppliers and any of their officers, directors, employees and agents, and the Hotels.com Companies, the Hotels.com Affiliates, and/or their respective suppliers and any of their officers, directors, employees and agents, from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including but not limited to reasonable legal and accounting fees, brought by third parties as a result of:

    • Your breach of this Agreement or the documents referenced herein; or
    • Your violation of any law or the rights of a third party.

* The Hotels.com® Rewards Visa Signature® Credit Card is issued and administered by Wells Fargo Bank, N.A. pursuant to a license from Visa U.S.A. Inc.


Back to top