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This credit card offers flexible rewards whereby customers have the freedom to use points toward travel, gift cards, merchandise, cash redemption, and more. Customers earn 5x rewards points for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months.

There is the advantage of 0.00% introductory APR for 15 months from date of account opening on balance transfers and purchases. Other benefits include Auto rental collision damage waiver, Emergency card replacement, Roadside dispatch and cell phone protection.

There is also travel accident insurance and emergency assistance services. In terms of security and protection – the bank card comes with zero liability protection to protect the customer from liability for unauthorized transactions when they report them promptly. The card also offers overdraft protection and comes with built in chip technology for better protection against counterfeit fraud. Also, Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone.

Cardholders will earn 1 point for every $1 spent in net purchases (purchases minus returns/credits) made on the credit card account, rounded to the nearest whole dollar. During the first 6 months from the date the account is opened, for purchases made at retailers whose merchant code for Visa is classified in one of the following categories: grocery stores, drugstores and gas stations, cardholders will earn an additional 4 points for every $1 spent in net purchases made on the credit card account, rounded to the nearest whole dollar.

The maximum amount of bonus points you can earn under this promotion is 50,000 (which is $12,500 in net purchases) regardless of how much you purchase or how many transactions you make during the promotional period. Purchases not processed using these merchant codes for Visa will not qualify for bonus points.

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted.

Your Points expire and You cannot use them at the end of the 60th month (approximately 5 years) starting the first month Your Points post to Your Rewards Account. When You redeem Your Points, We begin with the earliest Points You earned. You can earn Rewards in a variety of ways, including purchases made with Your Credit Card at qualifying merchants, with other promotions or offers, or through the Earn More Mall site. You can also earn Rewards not based on any of Your Credit Card activity such as transfers or gifts.

If You use Your Points to get an airline ticket, each Point is worth 1 cent ($0.01) towards the ticket’s purchase. For example, if the ticket cost $150, You need 15,000 Points (calculated as $150 divided by $0.01 equals 15,000 Points). Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one.

Travel Blog Writer