Wells Fargo Rewards: How to Earn and Use Them
Wells Fargo Rewards are easy to earn with a Wells Fargo credit card, and equally easy to redeem toward a statement credit, travel or even cold, hard cash.
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Wells Fargo Rewards is, as you may have guessed, the name of the rewards program for Wells Fargo-branded credit cards. Often overlooked relative to cards from major issuers like Chase and American Express, Wells Fargo cards offer solid rewards rates and new cardholder benefits like sign-up bonuses and introductory 0% APR periods.
Cards that earn Wells Fargo Rewards include the following:
Wells Fargo Signify Business Card.
Here’s what you need to know about the Wells Fargo Rewards program.
Wells Fargo Rewards: The basics
You can earn Wells Fargo Rewards by paying for purchases with an eligible Wells Fargo credit card. Depending on which card you have, rewards are issued as points or cash back. For example, the Wells Fargo Active Cash® Card and the Wells Fargo Signify Business Card earn cash back, while the Wells Fargo Autograph® Card and the Wells Fargo Autograph Journey℠ Card earn points.
You can access your Wells Fargo Rewards through your card account page on the Wells Fargo website or app.
Points and cash back can be redeemed in similar ways and at a similar value (generally 1 cent each). If you have multiple cards and earn both types of rewards, you can transfer and combine those rewards into one account (this applies to Wells Fargo Rewards earned from both business and consumer credit cards). That last point is important, since holding either the Wells Fargo Autograph® Card or the Wells Fargo Autograph Journey℠ Card gives cardholders access to the following travel transfer partners:
Wells Fargo also issues several co-branded credit cards, including the Bilt World Elite Mastercard® Credit Card; the Choice Privileges® Mastercard® and the Choice Privileges® Select Mastercard®; as well as the One Key™ Card and One Key+™ Card But those cards aren't included in the Wells Fargo Rewards ecosystem because they earn their own proprietary rewards with those partner brands.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.
0% intro APR on Purchases for 12 months from account opening, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.
The ongoing APR is 20.24%, 25.24%, or 29.24% Variable APR.
0% intro APR on Purchases for 12 months from account opening, and then the ongoing APR of 19.24%, 24.24%, or 29.24% Variable APR.
Earn unlimited 2% cash rewards on purchases.
Earn unlimited 3x points per $1 spent on dining, travel, gas stations, public transit, streaming services and phone plans. Earn 1x on everything else.
5 points per $1 on hotels booked directly with the hotel.
4 points per $1 on airfare booked directly with the airline.
3 points per $1 on other travel and dining purchases.
1 point per $1 on all other qualifying purchases.
4% back in cash rewards in a long list of eligible categories (1% back on other puchases). Broadly, bonus categories include:
Self-care. Beauty shops and barbershops; gym memberships and fitness studios; health and beauty spas; and more.
Good for the planet. EV charging stations; public transportation; and secondhand and vintage stores.
Select sports, recreation and entertainment. Gardening and floral stores; campgrounds; sports supplies; movie theaters; live shows and sporting events; amusement parks; tourist attractions; pet supplies, boarding and grooming; and streaming.
Wells Fargo Active Cash® Card
The $0-annual-fee Wells Fargo Active Cash® Card offers cardholders an unlimited 2% cash back on eligible purchases. With an excellent everyday rewards rate combined with a rich sign-up bonus and a competitive 0% APR period for new cardholders, it’s no wonder the card was voted by NerdWallet as the Best Credit Card for Simple Cash Back in 2023.
Wells Fargo Signify Business Card
The Wells Fargo Signify Business Card earns an unlimited 2% cash back on qualifying purchases with a $0 annual fee. With no bonus categories to track, business owners can focus on what’s important and less on managing their card. New cardholders can also grab a competitive 0% introductory APR offer and a big sign-up bonus.
Wells Fargo Autograph® Card
The Wells Fargo Autograph® Card lets cardholders grab a healthy sign-up bonus in addition to 3 points per $1 spent in everyday categories, including restaurants, travel, gas stations, transit, streaming services and phone plans. You’ll earn 1 point per $1 on other purchases. There aren’t many other $0-annual-fee cards that offer those kinds of ongoing rewards with no rotating categories to manage.
Wells Fargo Autograph Journey℠ Card
The $95-annual-fee Wells Fargo Autograph Journey℠ Card offers high rewards for frequent travelers, including 5 points per $1 spent on hotel stays; 4 points per $1 on airfare; 3 points per $1 on other travel and dining; and 1 point per $1 on other qualifying purchases. New cardholders can also earn an outstanding sign-up bonus, and there's an annual $50 airfare statement credit (minimum purchase $50).
Wells Fargo Attune℠ Card
The $0-annual-fee Wells Fargo Attune℠ Card earns an unlimited 4% in cash rewards across a wide swath of spending categories, with a focus on self-care, wellness and the environment. Bonus categories include things like gym memberships; spas; EV charging; public transit; vintage stores; streaming; sports supplies; movie theaters; live shows and sporting events; amusement parks; pet supplies; and much more. All non-bonus-category spending earns 1% back. You can also earn a modest sign-up bonus.
Additional Wells Fargo cards that earn Wells Fargo Rewards but are no longer open for application include the Wells Fargo Cash Wise Visa® card, Wells Fargo Cash Back College Visa Card, Wells Fargo Visa Signature® Credit Card, Wells Fargo Rewards card and Wells Fargo Propel 365 American Express® Card.
How to redeem Wells Fargo Rewards
Wells Fargo Rewards can easily be redeemed in a variety of ways, either online, through the Wells Fargo app or by calling the 800 number on the back of your card. Redemption options include:
Cash back: If you have a Wells Fargo debit or ATM card, you can redeem points for cold hard cash by visiting a Wells Fargo ATM and cashing out your rewards in increments of $20 (or 2,000 points). You can also request a paper check in increments of $25 or 2,500 points, or redeem rewards as a deposit or credit to a qualifying Wells Fargo account (1 cent or 1-point minimum).
Statement credit: You can redeem rewards against transactions made with your card of $1 or more, but you must have enough rewards to redeem for the entire transaction amount.
Transfer Partners: Holding the Wells Fargo Autograph® Card or the Wells Fargo Autograph Journey℠ Card gives cardholders access to a limited list of hotel and airline transfer partners. This can provide outsized value for cardholders who don't mind putting in the work to learn how to use the individual partner loyalty programs.
Travel: You can use the online portal to book travel with rewards, including flights, hotels, car rentals and more. There is no minimum revdemption amount and rewards are worth 1 cent each — unless you have the legacy Wells Fargo Visa Signature® Credit Card, which can offer increased value on plane tickets. (See the box below for more on that).
Pay with Rewards: You can use your rewards directly for merchandise when you shop online with a Wells Fargo partner merchant. You’ll receive 1 cent per point in value but won’t earn rewards on the transaction. You’d be better off paying with your card to earn rewards and requesting cash back or a statement credit to cover the expense.
Gift cards: Rewards are worth 1 cent each when redeemed for gift cards. That’s the same value as a cash redemption, although cash will be more flexible than gift cards.
Wells Fargo Rewards can be transferred or gifted to another Wells Fargo customer who also has a card that earns Wells Fargo Rewards.
Holders of the legacy Wells Fargo Visa Signature® Credit Card can get an increased 1.5- to 1.75-cent-per-point redemption value when using points to book airfare through the Wells Fargo Rewards online portal.
Should you earn Wells Fargo Rewards?
Simplicity and value are sometimes hard to find together, but with the Wells Fargo Rewards program, rewards are as easy to redeem as they are to earn. Cards that earn Wells Fargo Rewards offer low-cost, low-maintenance options that let you stack rewards fast.
Information related to the Wells Fargo Cash Wise Visa® card, the Wells Fargo Cash Back College Visa Card, the Wells Fargo Visa Signature® Credit Card, the Wells Fargo Rewards® Card and the Wells Fargo Propel 365 American Express® Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of these cards.
The Platinum Card® from American Express
Travel
Earn 5X points on certain flights (up to $500,000 per calendar year) and hotel stays, hundreds of dollars a year in credit for travel and shopping, and a suite of perks for high-end lifestyles.
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