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Hotels.com® Rewards Visa® Credit Card Review

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A decent but unimpressive card with an unusual rewards system.

  • Get this card if you frequently book nights through Hotels.com or don’t frequently stay at a single chain.
  • Pick something else if you want bigger hotel reward opportunities at a specific brand.
  • Apply with a credit score of 670 or higher.

$125

Welcome offer

$0

Annual fee

14.99% to 22.99%

Purchase APR (variable)

670

Recommended credit score

Details

Annual fee$0
Welcome OfferGet a reward night worth $125 when you spend $1,000 on purchases in the first 3 months.
RewardsSpend $500 on the card to collect 1 stamp
10 stamps = 1 reward night worth $110
Purchase APR14.99% to 22.99% variable
Balance transfer APR14.99% to 22.99% variable
Recommended minimum credit score670
IssuerVisa
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Review by


Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

Expert review

The Hotels.com® Rewards Visa® Credit Card is a new travel rewards card designed around the unique Hotels.com rewards structure. It carries no annual fee, a 14.99% to 22.99% variable APR, a welcome offer worth up to $125 in value and a unique rewards structure. Bear with us, the card takes a little explanation.

To understand the Hotels.com® Rewards Visa® Credit Card, you first need to understand the Hotels.com rewards program, which works off of a “punch card” system. Book a hotel night through Hotels.com and you’ll earn a “punch” on your card worth the value of that night’s stay. Earn 10 of these punches and you’ll receive one reward night worth the average value of all 10 of those punches.

How to apply for the Hotels.com® Rewards Visa® Credit Card

You can apply for the Hotels.com® Rewards Visa® Credit Card by doing the following:

  1. Go to the Hotels.com website.
  2. At the top menu bar underneath the Hotels.com logo, click on Hotels.com credit card.
  3. Click the blue Apply now button.
  4. Fill out the requested information and click submit.

What credit score do I need to apply for the Hotels.com® Rewards Visa® Credit Card?

You’ll need at least a good credit score of 670to qualify for this card.

Hotels.com® Rewards Visa® Credit Card benefits

  • Work toward a reward night. For every $500 you spend on your card, you’ll earn one “punch” on your rewards program card worth the same as booking a $110 night stay. Collect 10 punches and you’ll earn one reward night worth the average value of each punched hole.
  • Signup bonus. Get a reward night worth up to $125 after you spend $1,000 on purchases within your first 3 months. This is an actual reward night, not a punch on your card.
  • Silver membership. Enjoy a Hotels.com Silver membership for your first year, which includes benefits such as free breakfasts, free WiFi and more.
  • No annual fee. You won’t pay an annual fee to use this card.
  • Travel insurance. This card offers travel accident insurance, trip cancellation insurance and cell phone coverage.

What to watch out for

  • No accelerated rewards. Strangely, this card doesn’t earn additional value when you use it to pay for Hotels.com bookings. Similar hotel cards, such as the IHG® Rewards Club Traveler Credit Card, earn a much higher value when used at their corresponding hotel brand.
  • Reward caveats. The Hotels.com rewards program carries a few limitations, such as not granting you punches on bookings that are part of a package deal.
  • Rewards can expire. If you don’t redeem them within 12 months, you’ll lose accrued rewards on your rewards ticket.

Hotels.com® Rewards Visa® Credit Card reviews and complaints

Wells Fargo, the provider behind the Hotels.com® Rewards Visa® Credit Card, is not rated and not accredited by the Better Business Bureau. It’s garnered over 3,300 complaints on the site, along with a few alerts detailing recent government actions brought against the bank.

Compare hotel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Hilton Honors American Express Card
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7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees
Chase Sapphire Reserve®
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$550
Earn a huge signup bonus worth $900 toward travel when redeemed through Chase Ultimate Rewards with Chase’s premier card.
Chase Sapphire Preferred® Card
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5x points on Lyft, 2x points on up to $1,000 on groceries until April 30, 2021, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $1,000 plus up to $50 statement credit towards groceries with this popular travel card.
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Bottom line

The Hotels.com® Rewards Visa® Credit Card plays into a rather confusing rewards program, but is otherwise a perfectly average rewards card. You might find it nice to have in your wallet if you frequently book through Hotels.com, especially since it lacks an annual fee. But if you’re really trying to drive value on your hotel bookings, you’ll want to look at your other hotel card options.

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