® Rewards Visa® Credit Card Review

The® Rewards Visa® Credit Card earns stellar rewards, but redeeming them is a different animal. We cover the details you need to know.
  • Annual Fee:
  • Regular APR:
    14.99% - 22.99% Variable
  • Credit Score:
    690 - 850

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If you often travel and use to book your hotels, you may benefit from the® Rewards Visa® credit card. The card has many benefits, including no annual fee, and you get rewarded for using the card.

Is it worth the hype, or are there better travel credit cards? Find out in my® Rewards Visa® Credit Card review below.® Rewards Visa® Credit Card Pros and Cons


  • It’s easy to earn ‘stamps’ just by staying in a hotel
  • You can ‘double dip’ on your earnings by using your card to pay for your hotel
  • You get cell phone and travel protection
  • There’s no annual fee


  • You’ll only benefit if you stay at hotels often
  • If you don’t use your rewards within 12 months, they expire® Rewards Visa® Credit Card Review

  • Annual Fee: $0
  • Regular APR: 14.99% – 22.99%
  • Rewards: Free hotel stays
  • Foreign Transaction Fee: $0
  • Sign-Up Bonus: Get up to 2 nights in hotel rewards if you spend $1,000 in the first 3 months you own the card
  • Category:Travel / Rewards® Rewards Visa® Card Rewards® Rewards Visa® Card pays cardholders in ‘stamps’ versus points. Stamps are easier to keep track of and understand when you’re trying to redeem them, and they’re even easier to earn.

Earning Rewards

You earn one stamp per night that you stay at a hotel or rental you booked through For example, if you stay 7 nights in a hotel, you earn 7 stamps. Each stamp you earn for your hotel stay is worth the value of one night at the hotel.

You can also earn a stamp for every $500 you charge on your® Rewards Visa® Card. Every $500 you spend is equal to one stamp or $110.

You can ‘double-dip’ by making your reservations on and paying for the stay with your® Rewards Visa® Card. You’ll get a stamp for every night you stay and a stamp for every $500 the stay costs.

Redeeming Rewards

You need 10 stamps to redeem for one night’s stay at a hotel. The value of the stamps is the average of all 10 stamps.

If all your stamps are earned through spending $500 at a time, each stamp is worth $110. But if you earn the stamps for stays at hotels, your stamps may be worth more or less than $110.

Here’s where it gets complicated.

Let’s say you have 10 stamps worth $110. Your average is $110. If you redeem them for a stay at a hotel that’s $110 a night, you’re even.

If it’s less than $110 a night, you lose the difference, but if it’s more, you owe the difference between the hotel stay and the $110.® Rewards Visa® Credit Card Features and Benefits

No Annual Fee

Most rewards credit cards have an annual fee, but the® Rewards Visa® Card doesn’t have one. You can earn your 2.2% back on your purchases but can only use them for hotel stays.

Silver Membership Exclusives

For one year, all members get Silver Membership which provides you with priority customer service, early deal access, and access to free upgrades from time to time.

Travel Protection

If you book your trip with your® Rewards Visa® Card, you’ll have protection for you and your family members at $150,000 each if anything were to occur while traveling.

Cell Phone Protection

If you use your® Rewards Visa® Card to pay your cellphone bill, you get $600 in protection if your phone is lost or stolen.

How Do® Rewards Visa® Compare to Other Cards?

#1.® Rewards Visa® Credit Card vs. Delta SkyMiles® Gold American Express Card

The Delta SkyMiles® Gold American Express Card is a good card for someone who travels infrequently. There’s no annual fee for the first year, but then it’s $99 after that. You get your first bag checked for free, along with priority boarding.

Cardholders earn 2 miles per dollar spent on Delta, dining, and at the grocery store. You can also earn 1 mile per dollar on everything else.

#2.® Rewards Visa® Credit Card vs. Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is a great rewards card for people with great credit. It has an annual fee of $95, but cardholders earn 5 miles per dollar spent on hotel and rental cars if you book them with your Capital One Travel. You also earn 2 miles for all other money spent on the Capital One Venture Rewards Credit Card.

The downside is redeeming the miles. You get the most money out of the miles if you redeem them for travel. If you choose cash back on your statement or any other reward, it comes out to less than one cent per mile.

#3.® Rewards Visa® Credit Card vs. Chase Freedom Flex℠

If you don’t mind rotating rewards, the Chase Freedom Flex℠ is a solid option. There’s no annual fee, and you have access to a rotating set of bonus categories that make it easy to rake in the rewards.

The biggest perk is the 5% cashback on the first $1,500 you spend in each quarter’s bonus category. After the first $1,500, you’ll earn 1% cashback.

You can also earn 5% cashback on Chase Ultimate rewards travel purchases plus another 3% back on dining and drugstore purchases.

#4. Platinum Card® from American Express vs.® Rewards Visa® Credit Card 

The Platinum Card® from American Express has a high $695 annual fee putting it in another league from any other reward credit card.

In exchange for the annual fee, you’ll get 5 membership reward points per dollar for air travel booked with American Express Travel or directly with the airlines.

You’ll also get 5 membership reward points per dollar for hotel stays paid for with your American Express card and 1 point per dollar on everything else. The card also provides exclusive access to airport lounges in over 500 airports.

Frequently Asked Questions

What Credit Score Is Do You Need for® Rewards Visa® Credit Card?

Typically, applicants need a great credit score, averaging around 700, but some people get approved with a score as low as 670. The higher your credit score is, the greater your chances of approval become.

Is the® Rewards Visa® Credit Card Worth It?

If you use often, the® Rewards Visa® credit card can be worth it. Since there’s no annual fee, you don’t have anything to lose, so it might be worth a try! But you have to use the rewards for travel, which if you don’t travel often enough, it may not be worth it.

Bottom Line:® Rewards Visa® Credit Card Review

If you often travel and use, you can earn free nights at a hotel. If you don’t stay in hotels often, though, it could take a long time to earn any rewards. Even though there’s no annual fee, the point of rewards credit cards is to earn rewards. If you aren’t a frequent traveler, you may want to look elsewhere.

Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.