® Rewards Visa® Credit Card Review [2024]: Is It Worth It?

The® Rewards Visa® Credit Card offers opportunities to earn hotel stays on everyday spending. See if it makes sense for you.
Updated May 2, 2024
Fact checked

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

Editor's note:
This card is no longer accepting applications. To explore other options, check out our list of the best travel credit cards. is a popular online travel agency and booking portal for finding hotel stays worldwide. For frequent travelers, you might use to compare prices of hotels or vacation rentals with other companies, such as Airbnb, KAYAK, or But did you know has a credit card?

The® Rewards Visa® Credit Card provides an interesting way to earn hotel reward nights by simply using your card to make purchases. We’ll show you how it works in this credit card review, including covering the card’s benefits and drawbacks, so you can decide whether the Rewards Visa might make sense for your situation.

In this Rewards Visa Credit Card review

Who should get the Rewards Visa Credit Card?

As its name implies, is a source for finding information about all types of hotels worldwide. This means you get loads of choices to choose from when researching your lodgings for a trip.

With the Credit Card, you get to maximize this flexibility by having the opportunity to earn reward nights through your everyday purchases. Spend enough, and you can earn reward nights to use on It’s an interesting concept and sure to work in some situations, especially if you typically enjoy using

But this card might not make sense if you would rather book directly with hotel chains, as certain hotel benefits might not apply if you book through a third party such as This card also typically requires good or excellent credit to qualify. If you like the flexibility to choose from a wide selection of hotels, the Credit Card could make sense.

Card basics

Card type Travel
Credit card issuer Wells Fargo
Credit card network Visa
Reward rate Collect 1 stamp each time you spend $500 on purchases with your card and 1 stamp for every night you stay at any eligible property booked on; collect 10 stamps, get 1 reward night
Recommended credit score Good, Excellent
Foreign transaction fee None Rewards Visa Credit Card benefits and perks

  • Generous welcome bonus: .
  • Unique rewards system: Collect 1 stamp each time you spend $500 on purchases with your card and 1 stamp for every night you stay at any eligible property booked on; collect 10 stamps, get 1 reward night. Collect 10 stamps, get 1 reward night.
  • No foreign currency conversion fee: As a Visa card with no foreign transaction fees, the Rewards Visa could be a prime option for making purchases abroad.
  • Silver status: Receive complimentary Silver status within the Rewards program for as long as your card is open. Silver membership could include complimentary breakfast and Wi-Fi, airport transfers, and more at certain properties labeled as “VIP Access.”
  • No blackout dates: Reward nights have no blackout dates. If there’s availability at an eligible hotel for your dates, you can use reward nights for your stay.
  • Cell phone protection: Cardholders receive up to $600 in cell phone protection against damage or theft of eligible phones, with a $25 deductible. There’s a maximum of two paid claims per 12-month period. You must pay your cell phone bill with this card for phones on the bill to be eligible for protection.
  • Travel protection: Receive travel protection benefits, including travel and emergency assistance services, auto rental collision damage waiver, roadside dispatch, trip cancellation and coverage, and travel accident insurance.

Drawbacks to the Rewards Visa Credit Card

  • Reward night average value: For every 10 stamps you collect with your card, you receive a reward night. The value for each reward night is calculated by the average value of the 10 stamps, excluding taxes and fees. If the average value of those nights is low, your reward night value will also be low.
  • No bonus categories: This card doesn’t offer any bonus categories for making purchases — it only provides a way to earn stamps from your spending. If you want potentially easier ways to earn rewards, check out our list of the best rewards credit cards.
  • Limited elite status: Receiving complimentary Silver status with is nice, but it only lasts one year. Many travel credit cards provide permanent elite status as long as you have the card. For this and other helpful travel benefits, check out our list of the best travel credit cards.

Earning & redeeming reward nights

Best ways to earn

If you compare credit cards, it’s typically best to use a rewards card as much as possible on purchases you’re already making to maximize your earning potential. But with the Credit Card, the earning rate is different from your average credit card.

This card gives you the ability to collect 1 stamp each time you spend $500 on purchases with your card and 1 stamp for every night you stay at any eligible property booked on; collect 10 stamps, get 1 reward night. After earning 10 stamps, you receive one reward night to use at

There are no bonus categories, such as dining or travel, so any eligible purchase should count as earning toward a stamp. If you move your everyday spending over to this card, you should quickly begin to make progress toward earning stamps, which will eventually net you reward nights.

Categories Rewards rate
Each time you spend $500 on purchases 1 stamp
Every night booked at an eligible property on 1 stamp

Maximizing your redemptions

Unlike other credit cards, the Rewards Visa doesn’t have multiple redemption options. Since you aren’t earning points, miles, or cash rewards, you won’t find options to redeem your rewards for gift cards, flights, car rentals, or other similar options.

Rather, the only redemption option available is receiving a reward night after earning 10 stamps. This reward night can be used at eligible properties. Keep in mind that each reward night’s redemption value is determined by the average value of the 10 stamps previously earned. The higher the value of each stamp you earn, the higher the value of your reward night will be.

Here are a few important tips to keep in mind about stamps and reward nights:

  • If your reward night doesn’t have enough value for a stay, you would have to pay the difference.
  • If your reward night has more value than a stay, you would forfeit the difference.
  • You can redeem more than one reward night at a time, which could help for multiple-night stays.
  • Stamps and reward nights expire 12 months after your last activity of collecting a stamp or redeeming a reward night. Rewards Visa Credit Card FAQs

What credit score do you need to get a Rewards Credit Card?

You typically need a good or excellent credit score to qualify for the Rewards Credit Card, though successfully applying could depend on other creditworthiness factors as well. A good FICO score, one of the most widely-used types of credit scores, starts at 670. An excellent FICO score is 800 or better.

What does the Rewards Credit Card offer?

The Rewards Credit Card offers a unique way to earn reward nights at hotels for making purchases with your card. You can collect 1 stamp each time you spend $500 on purchases with your card and 1 stamp for every night you stay at any eligible property booked on; collect 10 stamps, get 1 reward night. Every 10 stamps equal one reward night through

Other cards to consider

If the Rewards Visa Credit Card doesn’t work for your situation, consider some of the best hotel credit cards.

The Chase Sapphire Preferred® Card is a popular travel rewards card that earns Ultimate Rewards from common spending categories (unlike the Rewards card), including 3X points on dining, select streaming services, and online groceries. These rewards are flexible and can be redeemed for flights, hotel stays, and rental cars through the Chase travel portal. Or you can transfer your points to travel partners such as Marriott Bonvoy, IHG Rewards Club, and World of Hyatt. The Sapphire Preferred has a $95 annual fee, but its $50 annual hotel credit could help offset that cost.

To learn more, check out our Chase Sapphire Preferred review.

The Hilton Honors American Express Card has a $0 annual fee and is likely best suited for Hilton enthusiasts. This card offers bonus categories that could be more helpful for earning rewards on everyday spending compared to the Rewards card. This includes 7X points at participating hotels and resorts in the Hilton portfolio; 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3X points on all other eligible purchases. You also receive complimentary Hilton Honors Silver status for as long as you’re a cardmember.

For more information, check out our Hilton Honors American Express review.

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post,, Yahoo! Finance, and Fox Business.

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

You will receive emails from Unsubscribe at any time. Privacy Policy

  • Vetted side hustles
  • Exclusive offers to save money daily
  • Expert tips to help manage and escape debt