Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure® Rewards Visa® Credit Card Review

A decent but unimpressive card with an unusual rewards system.

  • Get this card if you frequently book nights through 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.
No reviews yet. Write a review


Welcome offer


Annual fee

14.99% to 22.99%

Purchase APR (variable)


Recommended credit score


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
Minimum Credit Score670

Review by

Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The® Rewards Visa® Credit Card is a new travel rewards card designed around the unique 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® Rewards Visa® Credit Card, you first need to understand the rewards program, which works off of a “punch card” system. Book a hotel night through 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® Rewards Visa® Credit Card

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

  1. Go to the website.
  2. At the top menu bar underneath the logo, click on 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® Rewards Visa® Credit Card?

You’ll need at least a good credit score of 670to qualify for this card.® 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 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 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 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.® Rewards Visa® Credit Card reviews and complaints

Wells Fargo, the provider behind the® 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
Earn 150,000 points after spending $1,000 in the first 3 months. Also, earn another 50,000 points after spending a total of $5,000 in the first 6 months.
7x points on eligible Hilton purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other eligible purchases
With a massive welcome offer for a no-annual-fee card and up to 7x points on eligible Hilton purchases, this is a solid pick for Hilton fans and occasional travelers. Terms apply, see rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
Limited Time Offer: 150,000 points and a bonus Free Night Award after spending $5,000 in eligible purchases in the first 3 months. Resort fees may apply, offer expires 11/3/2021
6x Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3x at US restaurants and on flights booked directly with airlines and 2x points on all other eligible purchases
Earn a huge limited time welcome offer worth up to $1,500. Offer expires November 3, 2021. Terms apply, see rates & fees
The World of Hyatt Credit Card
30,000 points after spending $3,000 on purchases in the first 3 months. Plus 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months
9x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases
Earn 30,000 points after spending $3,000 on purchases in the first 3 months. Plus earn 2x instead of 1x points on up to $15,000 (up to 30,000 more points) in the first 6 months.

Compare up to 4 providers

Bottom line

The® 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, 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.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site