Hotels.com® Rewards Visa®
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Hotels.com® Rewards Visa® from Wells Fargo earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points.
What does the Hotels.com Rewards Visa earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Hotels.com Rewards Visa compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Hotels.com Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Hotels.com at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Hotels.com Rewards Visa?
The Hotels.com Rewards Visa fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points.
Hotels.com Rewards Visa fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Hotels.com value depends on how you redeem, not straight cash back.
Does the Hotels.com Rewards Visa have an annual fee?
The Hotels.com Rewards Visa has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Hotels.com Rewards Visa?
The Hotels.com Rewards Visa includes Cell Phone Protection, Rental Insurance, Trip Delay Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cell Phone Protection
$7,200/yrUp to $600 in coverage to repair or replace a damage or stolen phone. Subject to a $25 deductible. Maximum of 2 claims per year. To qualify, you must pay your monthly cell bill with this credit card.
Trip Delay Protection
$5,000/yrUp to $2,000 per Trip. Your Covered Card must be used to purchase the entire cost of the Covered Traveler’s Common Carrier fare less redeemable certificates, vouchers, or coupons.
Rental Insurance
$25/yrUp to $50,000 for damage or theft in a covered area.. Renter must pay for all of the cost to rent the car with the Covered Card and must decline the rental company’s collision loss/damage insurance.
Related encyclopedia topics
Common questions about the Hotels.com Rewards Visa
What credit score do you need for a hotels com credit card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Hotels.com Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Hotels.com Rewards Visa have an annual fee?
The Hotels.com Rewards Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Hotels.com Rewards Visa?
Dining is the strongest Madeen category for the Hotels.com Rewards Visa at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Hotels.com Rewards Visa charge foreign transaction fees?
The Hotels.com Rewards Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Hotels.com Rewards Visa?
Madeen's catalog lists a typical credit range of Good to Excellent for the Hotels.com Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Hotels.com Rewards Visa?
Rewards on the Hotels.com Rewards Visa post as Hotels.com. Redemption value depends on how you use Hotels.com (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Hotels.com Rewards Visa compare to similar cards?
Compare the Hotels.com Rewards Visa against One Key (3% on Dining, $0 fee); One Key+ (3% on Dining, $99 fee); Wells Fargo Autograph℠ (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Hotels.com Rewards Visa This card | Dining | 1% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
Side-by-side comparisons
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Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure