Making the Most of Your Credit Cards and Perks – Wells Fargo

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Making the Most of Your Credit Cards


Savvy consumers know to use rewards-based credit cards ― as long as the balance is paid in full and on time every month. By using a rewards credit card for everyday purchases, rewards can be redeemed for things like:

  • Taking unique trips
  • Purchasing brand-name merchandise and gift cards
  • Cash redemption options
  • Gifting your rewards to family and friends, or
  • Turning rewards into donations for causes you care about

Earning rewards and perks

Simply do a little research to find the rewards program that fits your lifestyle. If you enjoy dining out, find a card that awards double or triple points on restaurant charges.

In addition to the valuable rewards you can earn, be sure you’re aware of all of the other perks most credit cards offer, like:

  • Travel and emergency assistance
  • Roadside assistance
  • Trip cancellation/interruption insurance
  • Auto rental collision damage waivers
  • Personal identity theft protection
  • Extended warranty protection

Some cards also offer additional travel benefits such as access to complimentary 24-hour, 7-day-a-week concierge service, discounts on rental cars, and exclusive offers on unique travel experiences.

Wells Fargo offers you unique ways to earn, use, and share your rewards. Learn how to get the most from your Wells Fargo rewards-based credit card at Go Far Rewards.

Look for lower rates with special credit card promotions

Another advantage of strong credit is it may help your eligibility for special credit card promotions with a 0% APR introductory rate. You can use the card to make a large purchase, pay for a major expense, or transfer high-interest-rate balances ― and take advantage of  0% introductory APR on transactions that are included in the offer during the introductory period.

Be sure to read the terms of the offer carefully, so you know if there are any balance transfer fees, and if the same interest-free period applies to both purchases and balance transfers.


If you have an introductory rate, calculate the monthly payment needed to repay the balance by the end of the intro period. Set up automatic payments to ensure your balance is paid off before the regular rate begins.