At a Glance

Many credit card providers offer rewards programs to their card holders in order to incentivize them to use their cards. However, no two rewards programs are alike and each offers unique benefits. In particular, Wells Fargo rewards are one of the most commonly used rewards programs, which makes going over the key benefits of this program so important.

In this article, you’ll learn:

Wells Fargo reward basics

For those who are unfamiliar with Wells Fargo rewards points, these are earned by simply making purchases on a Wells Fargo card that is tied into the program. These points are automatically applied to your account and can be viewed on a Wells Fargo account directly, as well as through the dedicated Wells Fargo Rewards website.

1. How to join

Officially joining the Wells Fargo points rewards program isn’t something a person needs to actively do. All a person needs to do in order to get into this program is to sign up for a credit card that is active within the program, and they will be automatically enrolled.

2. How to access

To view existing rewards points or to see Wells Fargo points values in your account, simply login to your normal Wells Fargo account. There will be a Wells Fargo rewards “account” that simply holds the balance of your rewards. Additionally, a person can go directly to the Wells Fargo rewards website in order to view their balance of points.

How to earn Wells Fargo rewards?

Wells Fargo go far rewards are earned on everyday purchases through eligible credit cards, as well as through a few other methods. The most prominent of these methods are outlined below:

1. Use eligible Wells Fargo credit cards

There are a number of eligible Wells Fargo credit cards that, when signed up for, will automatically begin earning a person Wells Fargo rewards points. These cards include:

Wells Fargo Active Cash Card

  • Earn 2% cash back on all purchases in the form of Wells Fargo rewards

Earn unlimited 2% cash rewards on all purchases.


Wells Fargo Cash Back College Card

  • Earn 3% cash back per dollar on gas, grocery, and drugstore purchases for the first six months, including 1% cash back on all other purchases

Wells Fargo Visa Signature Card

  • Earn 5 points to the dollar on up to $12,500 at gas stations, grocery stores, and drug stores during the first six months after account opening and 1 point per dollar on all other purchases

Wells Fargo Cash Wise Visa Card

  • Earn 1.5% cash back on all purchases

Wells Fargo Rewards Card

  • Earn 5 points to the dollar on up to $12,500 at gas stations, grocery stores, and drug stores during the first six months after account opening and 1 point per dollar on all other purchases

Wells Fargo Propel World American Express

  • Earn 3 points per dollar spent with airlines, 2 points per dollar spent on hotel bookings, and 1 point per dollar spent on all other purchases

2. Welcome offers and other promotions

Oftentimes, welcome bonuses are offered for Wells Fargo credit cards that are meant to convince more people to sign up for a card. The Wells Fargo Rewards offered by this bonus are often hundreds of dollars in values which can be redeemed directly for cash back or other items.

3. Wells Fargo Earn More Mall

Depending on the merchant a person is shopping at, there may be bonus points on the table that a person can get. Through the Earn More Mall feature, Wells Fargo rewards redemption is at a higher rate for select merchant when purchases are made either online or in person at their stores.

How to redeem Wells Fargo rewards?

Wells Fargo rewards can either be redeemed directly in a person’s Wells Fargo account for cash back or statement credit. They can also be redeemed by going to the Wells Fargo rewards portal and scanning through the list of available redemptions for travel, leisure, and other items as well. These redemption options run the gamut of:

  • Deposits or checks
  • Gifts to other Wells Fargo members
  • Redemptions for airfare, car rentals, hotels, and more
  • Charitable donations
  • Gift cards
  • Pooling rewards with other Rewards members

Other features of Wells Fargo Rewards

In some situations, a person can redeem their Wells Fargo rewards directly for merchandise. While these options are constantly changing as the list of partnered merchants change, points can be redeemed currently on home décor, bags and luggage, Apple products, certain appliances from Best Buy, cookware, and more.

How much are Wells Fargo rewards worth?

Wells Fargo credit card rewards points have a redemption rate of 1 cent per point, which means it will take the average person a large amount of spending to save up their points for something worthwhile. Once they do, however, the points can be redeemed for travel, statement credits, or pure cash back if that is of interest.

Who is Wells Fargo rewards best for?

The best way to use Wells Fargo rewards is to simply make everyday purchases on your credit cards with Wells Fargo. To that end, the person who should consider using Wells Fargo rewards points is the average, everyday spender who does not want to put much thought into which card to use for which purchase in their life.

Wells Fargo vs other reward programs

The Wells Fargo redeem rewards program is lacking compared to other programs, yet its simplicity is one of its strongest selling points. The redemption portal for Wells Fargo rewards points is far less built out than alternatives from competitors such as Amex or Chase, and the redemption value is lower than competitors as well.


Given that Wells Fargo rewards typically have a rate of one cent, it can take months to save up enough rewards point to redeem Wells Fargo rewards.

No, standard account holders will enjoy rewards points that never expire unless they are used or redeemed for some purpose.

Wells Fargo rewards will only disappear from an account if they are used or if a person holds a specialty credit card, such as a business card, that has outlined expiration dates for the rewards points.

For the average everyday spender who does not have the desire to put energy towards thinking about what credit card to use for what purchase, Wells Fargo rewards are a nice bonus to have on top of those daily purchases. Those looking to dive deep into the world of credit card rewards should consider more in-depth and detailed rewards programs instead.