The Wells Fargo Hotels.com credit card is a good no annual fee credit card that earns rewards for a free night.
It also offers valuable benefits such as cell phone insurance, rental car insurance, and Hotels.com Silver status.
Hotels.com Card Information
Application Link: Wells Fargo Hotels.com Card.
Current Sign Up Bonus: Get a reward night worth $125 when you spend $1,000 in the first 3 months.
Annual Fee: No Annual Fee.
Earning Rewards: The Hotels.com earns rewards differently than other credit cards.
With the Hotels.com rewards program, you earn a free night when you collect 10 stamps.
Each “stamp” you collect is equivalent to your nightly rate, excluding taxes and fees. For example, a hotel night that cost $150, would contribute a stamp worth $150.
When you collect 10 stamps, Hotels.com adds the value of the stamps and divides by 10. For example, if you stayed 5 nights at a $200 per night hotel and 5 nights at a $150 per night hotel, your free night award would be worth $175.
With the Hotels.com credit card, you earn one free stamp worth $110 for every $500 you spend with the card on anything.
That is equivalent to 2.2% cash back in rewards you can use at Hotels.com.
Hotels.com Card Benefits
The Wells Fargo Hotels.com card offers great benefits for a no-annual fee card such as cell phone insurance, trip cancellation insurance, no foreign transaction fees, secondary rental car insurance, and Hotels.com Silver status.
Cell Phone Insurance
Your cell phones are covered up to $600 per claim and $1,2000 per 12 month period with $25 deductible, when you pay your cell phone bill with the Hotels.com credit card.
Trip Interruption / Cancellation Insurance
This coverage reimburses you for up to $2,000 per person for the non-refundable common carrier tickets you purchased with the Hotels.com card if it is for a covered condition (injury or physical illness of you or immediate family member).
Hotels.com Silver Status
Cardmembers receive Hotels.com Silver status, which gets you:
- Free breakfast, airport transfers, and spa vouchers (at select properties).
- Free WiFi at VIP Access properties.
- Priority customer service.
- Price Guarantee Plus (match the best price and refund the difference)
- Travel Guarantee (Hotels.com will help you minimize property or cancellation charges if you need to cancel your booking)
No Foreign Transaction Fees
You can use your Hotels.com card anywhere in the world without having to pay foreign transaction fees, which are typically 3%.
Secondary Rental Car Insurance
The Hotels.com card offers secondary rental car insurance when you use the card to pay for your rental car.
Secondary insurance means your insurance pays first before the credit card insurance, but if you don’t have collision insurance or are renting a car outside the U.S., this coverage is primary.