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Let's face it: No matter how meticulously you plan your trips, surprises are bound to happen. Although you can't avoid the unexpected completely, you can at least help protect your finances with travel insurance.
In fact, if you have a Wells Fargo credit card, you may already have travel insurance built into your card.
In this guide, we'll cover which Wells Fargo credit cards offer travel insurance, what each benefit entails, and how to file a claim.
Most Wells Fargo credit cards offer at least some level of travel insurance, like auto rental collision and damage waivers and 24/7 concierge services. However, some cards will have more luxurious offerings than others.
For example, the Signify Business Cash℠ Card by Wells Fargo offers lounge access on Priority Pass, while the Wells Fargo Autograph℠ Card offers a wide range of travel insurance compared to other Wells Fargo cards.
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Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
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Credit Score Circle with letter I in it.Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
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0% intro APR on purchases for 12 months from account opening
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: N/A
20.24%, 25.24%, or 29.99% Variable APR
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Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
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Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 bonus points
This card offers unlimited 3X points on common things like restaurants, gas stations, travel, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. This could be a great pick if you spend a lot in those categories. A solid welcome bonus and cell phone protection are the cherries on top.
| Wells Fargo Card | Concierge Services | Travel emergency | Auto rental waiver | Lost baggage | Roadside dispatch | Trip cancellation/interruption | Travel accident | Priority Pass |
|---|---|---|---|---|---|---|---|---|
| Wells Fargo Active Cash® Card (see rates and fees) | Yes | Yes | Yes | No | Yes | No | No | No |
| Wells Fargo Autograph Journey℠ Card | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No |
| Wells Fargo Autograph℠ Card (see rates and fees) | Yes | Yes | Yes | No | Yes | No | No | No |
| Wells Fargo Reflect® Card (see rates and fees) | No | No | No | No | Yes | No | No | No |
| Wells Fargo Attune℠ Card | Yes | No | Yes | No | No | No | No | No |
| Bilt Mastercard® | Yes | No | Yes | No | No | Yes + Trip Delay | No | No |
| Choice Privileges® Mastercard® | Yes | No | Yes | Yes | No | Yes | Yes | No |
| Choice Privileges® Select Mastercard® Credit Card | Yes | No | Yes | Yes | No | Yes | Yes | No |
| Signify Business Cash℠ Card by Wells Fargo | Yes | No | Yes | No, but has Baggage Delay | No | No | No | Yes |
First off, to activate the travel insurance on your Wells Fargo credit card, be sure to use your credit card to cover the travel purchase. As long as you use your Wells Fargo card to pay for your travel, its travel insurance will apply in eligible situations.
With that in mind, here's what each travel benefit entails.
Nearly all Wells Fargo credit cards offer concierge services of some kind, though its exact function will depend on whether your card is a Visa or Mastercard. For instance, Visa Signature® cardholders can use the concierge service to book tickets, dinner reservations, and entertainment and sporting events.
Meanwhile, Mastercard holders get 24-hour assistance with lost or stolen cards, plus a 24/7 concierge to help you with your travel, dining, and entertainment plans.
This perk helps you navigate a tricky or dangerous situation when you're traveling, such as emergency evacuation after a natural disaster or terrorist attack. Although the service doesn't pay for any costs incurred during an emergency, it can help you obtain urgent means of transportation.
For instance, if you need to get off an island before a tropical storm, this travel benefit could put you in touch with a helicopter service. You'd still be responsible for covering the charges, but you wouldn't have to figure out transportation on your own. This service can cover you (the cardholder) and your spouse and children under age 22.
This waiver takes the place of the collision loss/damage insurance offered at car rental agencies. It will reimburse you up to the maximum for any damages or theft sustained to a rental car during its rental period.
Wells Fargo rental car insurance is secondary, meaning it will kick in if your regular car insurance doesn't cover the full amount (it also covers deductibles). Note: You must decline the car rental agency's collision loss/damage insurance to be eligible for this benefit.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
