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It’s still common for no-annual-fee cards to fall on the less-generous end of the benefits spectrum. Credit cards designed for individuals with low credit scores and poor application prospects may also charge a high annual fee and a higher APR to offset the theoretically heightened risk assumed by the issuer. This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. For example, the Chase Freedom Flex℠ with an annual fee of $0 is a cash-back card, but it can be used as a travel card, too. (It offers 5% back on travel booked through Chase.) While excellent in many ways, the card’s 5% rotating bonus categories are capped at $1,500 per quarter before dropping to 1% cash back.
Can you get a no-annual-fee travel card with bad credit?
Yes, you can use a digital wallet instead of your physical Wells Fargo Debit Card to access most Wells Fargo ATMs. Simply open your digital wallet and tap your device near the Contactless Symbol on the ATM. If you report your lost card online, you can choose to send your replacement card to a temporary address which could be helpful while you are traveling.
Compare to Other Cards
And, again, if simple cash back is more your taste, you’ll have trouble beating the Wells Fargo Active Cash® Card with 2% cash back on everything and a generous sign-up bonus. Or, a hotel card like the World of Hyatt Credit Card, with an annual fee of $95, gives you an automatic free night annually. Access to transfer partners on a $0-annual-fee is rare (but not unheard of). No matter how you redeem your rewards, the Wells Fargo Autograph℠ Card has plenty of options. Points are generally worth a penny each when used toward a statement credit, gift cards or booking travel through Wells Fargo's portal.
Bonus Requirements:
Showcase what's truly important to you — from snapshots of family and pets to photos of a favorite hobby — right on your card. Our products and services may vary by location, and a ZIP Code helps us provide accurate information. If you choose not to enter a ZIP Code you’ll be redirected to our home page. Those looking for more United benefits, including a free checked bag when flying with the airline, should consider the United℠ Explorer Card that has a $0 intro annual fee for the first year, then $95. If you’re looking for a card to boost your travel funds but prefer a cash rewards card, the Wells Fargo Active Cash® Card may be the way to go. The card’s benefits also include purchase protection against damage and theft and extended warranties for eligible items.
If activating using the ATM, remove the sticker before using the ATM. Destroy your old card and begin using your new card if applicable. At this time, Wells Fargo cards cannot be used in Cuba or other sanctioned destinations as defined by U.S. Department of Treasury’s Office of Foreign Assets Control (OFAC). Please call the phone number on the back of your card if you have questions. Jerod Morales is a deputy editor at Forbes Advisor and a travel rewards expert.
What should I do if Wells Fargo does not approve my customization?
This editable credit/debit card design template works especially for clients of the Wells Fargo bank. But, you can easily customize the background color, text, text colors, fonts or even adding or removing graphic design elements. You can also upload photos of yourself and add them on the debit card design template.
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If your card is not functioning properly or is damaged, request a replacement card. Sign on at wellsfargo.com/replacemycard, use your Wells Fargo Mobile® app, call the number on the back of your card, or visit any Wells Fargo branch. If your current card was customized via the Card Design Studio® service, your replacement card will have the same image.
*How to qualify for this offer
This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant. To customize the design of your card, you can select an image from our image library or upload your own image. Business customers can upload a company logo, a photo depicting your business “storefront,” or another image that captures an aspect of your business. Most images can be cropped, scaled, rotated, or flipped using tools provided in the Card Design Studio service. You can customize your card using your own image or logo, or select an image from our image library.
Already a cardholder? Get started with your personalized card design now.
You should first consider the best cards for bad credit and focus on improving your credit score to gain access to better credit card products in the future. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.¹Eligibility and Benefit level varies by Card.
Applicants should know their credit scores and credit histories before shopping for cards. No-annual-fee travel credit cards may require good to excellent credit for an application to be successful. The better your score and credit history, the better your chances for approval. Annual fees are, unsurprisingly, not popular, so why do credit card issuers commonly charge them? Traditionally, cards with higher annual fees offer significantly better perks.
Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc. Navigating the world of credit cards means finding the combination of pros and cons that offer the best value for your needs. A card rewarding your unique spending habits and goals will outperform one that is seemingly best for the average consumer, so make sure to evaluate each card for your specific uses. Points can be combined among Wells Fargo primary-cardholder accounts. For example, if you hold the Wells Fargo Active Cash® Card, cash-back rewards earned on that card can also be combined with rewards from the Wells Fargo Autograph℠ Card and the Wells Fargo Autograph Journey℠.
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