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OFFER STATUS
Wells Fargo Attune℠ Card and Signify Business Cash℠ Card by Wells Fargo are unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
Renting a car is expensive enough without paying extra for insurance. If you put your rental on a Wells Fargo card, you could get insurance without needing to pay for it. All the Wells Fargo cards that are currently available include rental car insurance as a complimentary perk.
Before you use this benefit, it's important to know how it works, what's covered, and what's not. In this guide to Wells Fargo credit card rental car coverage, you'll learn all that and more.
Which Wells Fargo credit cards offer rental car coverage?
5.00/5
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. = Best = Excellent = Good = Fair = Poor
Rating image, 5.00 out of 5 stars.
5.00/5
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. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
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. = Best = Excellent = Good = Fair = Poor
Rating image, 4.50 out of 5 stars.
4.50/5
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. = Best = Excellent = Good = Fair = Poor
Credit Rating Requirement:
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.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Credit Rating Requirement:
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.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good/Excellent (670-850)
Welcome Offer:
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
Welcome Offer:
N/A
Rewards Program:
Earn unlimited 2% cash rewards on purchases.
2% cash rewards
Rewards Program:
N/A
Intro APR:
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 12 months from account opening
Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers
Intro APR:
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 21 months from account opening
Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers
Regular APR:
19.24%, 24.24%, or 29.24% Variable APR
Regular APR:
17.24%, 23.74%, or 28.99% Variable APR
Annual Fee:
$0
Annual Fee:
$0
Highlights:
Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Highlights:
Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 Annual Fee.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
All of Wells Fargo's consumer credit cards have the same type of rental insurance. Policy terms are exactly the same with each of these cards except the Bilt Mastercard®, which has a couple of differences that are explained below.
The Signify Business Cash℠ Card by Wells Fargo has a different type of rental insurance, called MasterRental insurance coverage. The rest of this guide covers the rental insurance offered by Wells Fargo's consumer cards.
What does Wells Fargo credit card rental insurance cover?
Wells Fargo cards have an auto rental collision damage waiver. It reimburses you if a covered accident or theft occurs to the rental car. So, if the car is damaged or stolen, you could file a claim with your Wells Fargo insurance.
To be eligible for coverage, you must use your Wells Fargo card (or rewards earned on that card) to pay for the full cost of the car rental. You also need to decline the optional collision loss and damage insurance from the insurance company.
Coverage with most Wells Fargo cards applies to rentals with a rental period of up to 15 days in the United States and up to 31 days outside the United States. If you rent a car for longer than that, then Wells Fargo's auto rental insurance won't cover it. The Bilt Mastercard® is the exception -- it also covers rentals of up to 31 days, instead of 15 days, in the United States.
The coverage maximum is $50,000. Wells Fargo credit card rental car coverage will reimburse you for any of the following in the event of a covered accident or theft:
The cost to repair the rental car or its actual cash value, whichever is less
Reasonable towing expenses to the nearest repair facility
The loss of use of the rental car
Any additional fees or taxes
What's not covered
There are situations when Wells Fargo's car rental insurance doesn't apply. Here's what isn't covered:
You or an authorized driver use the car in a way that goes against the rental agreement. Examples include reckless driving or driving under the influence of drugs or alcohol.
The rental car is used as a car for hire, such as driving it for Uber or Lyft.
You or an authorized driver fail to take responsible care of the rental car.
You rent a car through a car-sharing platform that allows people to rent out their cars. For example, if you rent a car through Turo, that's not eligible for rental car coverage.
This insurance also doesn't cover certain types of vehicles, including exotic vehicles, antique vehicles, vehicles with an open cargo bed, and vans (except those designed as small-group transportation vehicles that seat up to nine people, including the driver).
Is it primary or secondary insurance?
Most Wells Fargo cards offer secondary rental car insurance for rentals in the United States. If you have another insurance policy that would cover the incident, you must file a claim through that insurance first. Many auto insurance policies include rental car coverage, so if you have one that does, you'll need to start with that.
If your primary insurance doesn't cover everything, then you can file a claim with your Wells Fargo card's insurance. You can also use it to cover the deductible on your primary insurance.
Outside the United States, Wells Fargo rental car coverage is primary insurance. Coverage is available worldwide except in Israel, Jamaica, the Republic of Ireland, and Northern Ireland.
The exception, once again, is the Bilt Mastercard®. It also has primary coverage for U.S. car rentals (except for New York residents). That's a perk you only find on a select few travel credit cards.
How to file a Wells Fargo credit card rental car coverage claim
To file a claim with your Wells Fargo rental insurance, call 1-800-316-8051 or visit mycardbenefits.assurance.com. You must file a claim within 60 days of the incident or as soon as reasonably possible.
You'll need to provide documentation to support your claim. Here's what most claims require:
A copy of the rental car agreement
A copy of the accident report or police report, if filed
A copy of the repair estimate and itemized repair bill for damage claims
Two photographs of the damaged rental car, if possible
A copy of the demand letter indicating the amount you're responsible for paying and any amounts already paid toward the claim
A copy of the billing statement for your Wells Fargo card showing that the entire rental charge was made on your card or the rewards program associated with that card
A statement from your insurance carrier showing the costs you're responsible for and your deductible or, if you have no applicable insurance, a signed statement explaining that
There may be other documentation requested, as well. You'll need to submit documentation within 365 days of the incident. Once the insurance provider receives all the required documentation, your claim will be finalized within 15 business days.
What cardholders say about using Wells Fargo rental car coverage
Wells Fargo's rental car insurance has gotten positive reviews from cardholders. On social media, multiple cardholders have reported that this benefit covered their costs for damage claims.
There were a couple of reviews by people with the Bilt Mastercard® who had a hard time finding the right place to file a claim. But once they were able to file, their claims were approved without issue. The claim-filing process is the same with the Bilt Mastercard® as with other Wells Fargo cards -- you can call 1-800-316-8051 or visit mycardbenefits.assurance.com.
Extra protection when renting a car
Rental car claims can be expensive, especially if the car is stolen or if there's serious damage. If you have a Wells Fargo card, make sure to pay with that so you have complimentary coverage, just in case you need it.
FAQs
The phone number for rental car coverage and other Wells Fargo credit card protections is 1-800-316-8051. If you need to file a claim, you can call that number or do so online at mycardbenefits.assurance.com.
Wells Fargo credit cards offer several different types of travel insurance. Exact protections depend on your Wells Fargo card, but they can include:
Auto rental collision damage waiver
Lost luggage reimbursement
Trip cancellation and interruption protection
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Wells Fargo is an advertising partner of Motley Fool Money. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Mastercard, Uber Technologies, and Visa. The Motley Fool recommends the following options: long January 2025 $370 calls on Mastercard and short January 2025 $380 calls on Mastercard. The Motley Fool has a disclosure policy.
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