Some of the best Wells Fargo credit card benefits include travel accident insurance, baggage insurance, rental car insurance, cell phone protection and extended warranty on purchases. Certain Wells Fargo credit cards provide additional perks like 0% intro APRs or rewards on purchases, too. However, benefits vary from card to card, so it’s important to look at an individual card’s benefits guide before applying.
Here are the best Wells Fargo credit card benefits:
Cell phone protection: $600 per claim and $1,200 per 12-month period in insurance for damage to or theft of your cell phone, when you pay the bill with a Wells Fargo card. Available on some cards.
Travel accident insurance: Covers death or dismemberment caused by a travel provider when the trip was paid for with a Wells Fargo card. Available on most cards, and coverage amounts vary.
Baggage insurance: Covers baggage lost by a travel provider on a trip paid for with a Wells Fargo card. Only available on certain cards.
Rental car insurance: Reimburses you for damage to or theft of a car rented with a Wells Fargo credit card. Available on some cards.
Extended warranty: Adds an extra year to the warranties of three years or less, provided that you buy the eligible items with a Wells Fargo card. Available on some cards.
Purchase protection: Reimburses damage to or theft of items purchased with a Wells Fargo credit card. Available on some cards.
Roadside Dispatch: 24/7 hotline for services such as towing (up to five miles), tire changes, jump starts, fuel delivery, and lockout assistance (no key replacement). There is a $69.95 fee per service call. Standard on all Wells Fargo cards.
Travel Emergency Services: Provides referrals for medical and legal assistance, arranges for emergency transportation, and helps change travel reservations. Service is available 24 hours a day, 365 days a year. Cardholders are responsible for the cost of any goods or services provided. Available on most cards.
Trip cancellation/interruption insurance: This benefit covers your trip for unforeseen cancellations or for interruptions that cut your trip short. It only applies to pre-paid, non-refundable travel expenses. Available on some cards.
Price Protection: If the price of an eligible purchase drops within 60 days of purchase, you’ll get reimbursed for the difference.
Wells Fargo credit cards usually come with rewards, have $0 annual fees, $0 liability for fraudulent purchases, and several offer some kind of introductory 0% intro APR offer, too.
The benefits of Wells Fargo credit cards include three types of travel insurance, purchase security, and extended warranty. These benefits are mostly found on the top-tier Wells Fargo credit cards, though many more Wells Fargo credit cards have overdraft protection and zero liability fraud protection. To know which perks are included on a specific card, you’ll need to call customer service at 1 (800) 869-3557 or check the Wells Fargo website.
Wells Fargo Credit Card Benefits
Zero liability fraud protection
Travel and emergency assistance services
Roadside dispatch assistance
Lost luggage reimbursement
Travel accident insurance
Emergency cash disbursement and card replacement
In addition to having some or all of these card perks, it’s important to remember that many Wells Fargo credit cards also give rewards. Rewards aren’t generally considered card benefits, but having a credit card that earns great rewards can be a big asset to cardholders. As long as you use your card responsibly and maximize the various benefits that Wells Fargo offers, you should come out well ahead of any annual fees that Wells Fargo cards may charge.
The best Wells Fargo Platinum card benefits include rental car insurance, travel accident insurance, and cell phone protection. Plus, this card also comes with a $0 annual fee.
Here are the best Wells Fargo Platinum credit card benefits:
Cell phone coverage. It covers theft and damage to your cell phone up to $600 per claim, with a maximum of two claims per 12-month period. You must pay your phone bill with the Wells Fargo Platinum card card to be eligible. Lost phones without any evidence of a wrongful act are not covered.… read full answer
Travel and emergency assistance. When traveling away from home, you may call your Benefit Administrator at (800) 992-6029 to be connected to the appropriate local emergency and assistance resources available. The Benefit Administrator line is open for assistance 24/7, 365 days a year. If you are outside the United States, call collect at (804) 673-1675.
Auto Rental Collision Damage Waiver. It covers damages caused by theft and collision, up to either $50,000 or the actual cash value of an eligible rental vehicle, whichever is less. You must pay for the entire rental with the Wells Fargo Platinum card card and decline the rental company’s insurance to be eligible.
Travel accident insurance. This benefit covers you and your family members up to $150,000 for severe injury or death while in transit with a licensed travel provider. The entire cost of your passenger fare(s) must be charged to your card.
Roadside dispatch. This benefit provides 24/7 emergency services such as towing (up to 5 miles included), changing flat tires, jump starting, lockout service, or fuel delivery (up to 5 gallons, plus the cost of fuel). A standard service call fee of $69.95 will be applied to every call. The customer is liable for towing distances of more than 5 miles.
If you’re in the market for a Wells Fargo credit card and prefer rewards, consider the Wells Fargo Active Cash® Card for daily spending cash back. It offers $200 cash rewards after spending $1,000 in the first 3 months. Plus, you can earn 2% cash rewards on all purchases.
Wells Fargo credit card travel insurance is a benefit that pays a maximum amount between $150,000 to $1,000,000, depending on the card, for any covered loss related to an accident involving a licensed Common Carrier. It includes any motorized vehicle or mode of transportation that transports passengers for hire.
Here’s what you need to know about Wells Fargo credit card travel insurance:… read full answer
How to get it: You must purchase the passenger fare with your Wells Fargo consumer credit card while the insurance is effective to be eligible. The benefit is effective the date you become a Wells Fargo credit cardholder.
Who is covered: The Wells Fargo travel insurance covers the cardholder, spouse, and dependent children. Any covered Loss must occur within one year after the accident in order to receive payment.
What is covered: accidental loss of life, speech, hearing, sight, and appendages, and more. Benefit payment ranges from 25% to 100%, depending on the severity of the loss.
What is not covered: emotional trauma, mental or physical illness, and illegal acts. Also not included are driving while intoxicated, being under the influence of narcotics, motorized vehicle racing, suicide or attempted suicides, and other incidents. Refer to your Guide to Benefits for the complete list of covered and non-covered incidents.
How to claim: To file a claim, contact the Claim Administrator at (866) 804-4770 within 20 days of any covered loss and request a claim form. Claims documents may also be submitted online or faxed to (855) 830-3728. Complete all items on the required claim form, attach all appropriate documents, and mail them to: Broadspire, a Crawford company, P.O. Box 459084, Sunrise, FL 33345 Reference policy # 9906-98-50.
You or your beneficiary should receive payment within 30 days after complete proof of loss is received, and all other terms of the policy have been completed.
While not traditionally thought of as travel insurance, Wells Fargo credit cards also offer car rental insurance as an additional travel perk. Some cards also provide trip cancellation protection and lost luggage reimbursement. There are several other issuers who offer extensive travel insurance benefits on some of their credit cards, so make sure to also check out the best credit cards with travel insurance on the market.
The credit card that has the most benefits is Chase Sapphire Reserve® because it offers travel perks such as a $300 annual travel credit, complimentary airport lounge access, up to $1 million in travel insurance, and more. These benefits do come at a cost, as Chase Sapphire Reserve carries a $550 annual fee. Chase Sapphire Reserve’s high price tag is well worth it if you’re a frequent traveler who will spend enough each year for the card to pay for itself with rewards and benefits.… read full answer
Before you apply for a credit card with a ton of benefits, make sure it has at least a few perks you know you’ll use regularly. Otherwise, the card may offer you little value, especially if you must pay an annual fee. Be sure to explore your options in-depth and compare credit card benefits to eliminate much of the guesswork before you submit an application.
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