Maria Adams, Credit Cards Moderator
@m_adams
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.

2023's Best Wells Fargo Credit Cards
Compare CardsCameron DiGiovanni, Writer
@cdigiovanni20
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
- Purchase security
- Extended warranty
- Overdraft protection
- Zero liability fraud protection
- Travel and emergency assistance services
- Roadside dispatch assistance
- Lost luggage reimbursement
- Travel accident insurance
- Price protection
- 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.
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