Wells Fargo Rewards is a credit card loyalty program that lets you earn points on nearly all purchases you make. You can then redeem your rewards in a variety of ways, such as for cash back, gift cards or travel.

If you’re interested in learning more about the Wells Fargo Rewards program, including how to earn and redeem points, how much rewards are worth and which credit cards earn rewards in this program, keep reading.

Wells Fargo Rewards program basics

With this loyalty program, you can earn rewards on nearly all purchases that you make with an eligible Wells Fargo credit card. However, while this loyalty program is shared among multiple Wells Fargo credit cards, Wells Fargo currently only offers one card in this program, the Wells Fargo Active Cash® Card.

How to join Wells Fargo Rewards

To join the Wells Fargo Rewards program, you’ll need to sign up for a credit card that earns rewards in this program. Once you apply for a card and you’re approved, you’ll be automatically enrolled in Wells Fargo Rewards. You can then begin earning points on your credit card.

How to access Wells Fargo Rewards

To access your rewards, simply log in to your Wells Fargo account online or via the Wells Fargo app and go to “Account Summary.” You can also visit the Wells Fargo Rewards website and log in from there. Once you’re logged in, you’ll be able to view your rewards balance and redeem them in a number of ways.

Who is Wells Fargo Rewards best for?

The Wells Fargo Rewards program is worth considering if you’re looking for a more straightforward rewards program that allows you to earn rewards on all eligible purchases without worrying about complicated redemption methods. After all, points are easy to redeem and can be redeemed in more than one way. You can use points for cash back, gift cards, merchandise and an array of travel options, among others.

Plus, this program is one of the few rewards programs that lets you pool your points with other members. If you prefer to share points with your partner, family member or friends, this would be a good program to consider.

How to earn Wells Fargo Rewards

Use an eligible Wells Fargo credit card

To earn points in the Wells Fargo Rewards program, simply make purchases with an eligible Wells Fargo credit card. Any rewards you earn will be automatically added to your account.

Attain promotions or welcome offers

Another way to earn Wells Fargo Rewards is through limited-time promotions or welcome offers for new cardholders. For example, the Wells Fargo Active Cash allows new cardholders to earn a $200 cash rewards bonus after spending $500 within the first three months of account opening.

Make purchases through Earn More Mall

Wells Fargo’s Earn More Mall feature lets you earn bonus points on qualifying purchases when you shop in-store and online with select merchants. Any points you earn through this online portal are offered on top of the rewards you already earn with your credit card. Note that you may have to activate an offer before making a purchase to earn the offer. Also, offers are limited-time offers, meaning they will expire.

How to redeem Wells Fargo Rewards

In addition to redeeming your rewards online or via the app, you can also redeem your rewards by phone. Simply call Wells Fargo Rewards Customer Service at 1-877-517-1358 and follow the prompts to redeem your rewards.

When it comes to redeeming Wells Fargo Rewards, you’ll have many different options to choose from. You can redeem for:

  • Credits to your Wells Fargo checking account, credit card or eligible mortgage
  • Deposits or checks
  • Cash from a Wells Fargo ATM (minimum redemption of 2,000 points, or $20)
  • Merchandise at participating merchants
  • Travel, including airfare, car rentals, hotel stays, cruises and vacation packages
  • Gift cards
  • Charitable donations
  • Transfers to another Wells Fargo card you hold
  • Gifts to other Wells Fargo Rewards members
  • Pooling your rewards with other Rewards members

When redeeming your rewards for cash redemptions, note that you must have at least 2,500 points (worth $25) before you can redeem.

How much are Wells Fargo Rewards worth?

Wells Fargo Rewards points are worth approximately 1 cent each. However, the value you get for your rewards can vary widely depending on the redemption method.

How does Wells Fargo Rewards compare to other issuer programs?

The following chart shows how Wells Fargo Rewards points compare to points offered by other major credit card rewards programs, based on Bankrate’s latest credit card point and mile valuations:

Program Bankrate value (average)
Wells Fargo Rewards 1 cent each
American Express Membership Rewards 2.1 cents each
Capital One Rewards 2 cents each
Chase Ultimate Rewards 2 cents each
Citi ThankYou Points 1.9 cents each

Wells Fargo Rewards transfer partners

Unlike other popular credit card rewards programs—such as American Express Membership Rewards or Chase Ultimate Rewards—the Wells Fargo Rewards program does not allow members to transfer rewards to hotel or airline partners.

Top credit cards that earn Wells Fargo Rewards

Currently, Wells Fargo only offers one credit card for new cardholders that earns Wells Fargo Rewards:

Wells Fargo Active Cash Card

The Wells Fargo Active Cash Card is one of the best flat-rate rewards cards currently available—it provides 2 percent cash rewards on purchases. If you want to earn rewards on your purchases—but you don’t want to keep track of bonus categories, rotating categories or spending limits—this is a great card to consider.

The Wells Fargo Active Cash comes with no annual fee and a $200 cash rewards bonus after spending $500 within the first three months of account opening. Plus, if you’re looking to transfer a balance or pay off a large purchase over time interest-free, this card includes a 0 percent intro APR on purchases and qualifying balance transfers from account opening for 15 months (followed by a variable APR of 19.99 percent, 24.99 percent, or 29.99 percent).

Discontinued cards that earn Wells Fargo Rewards

It should be noted that Wells Fargo has a number of discontinued cards that still earn rewards in this program. Some of these cards include:

  • Wells Fargo Rewards® Card
  • Wells Fargo Visa Signature® Card
  • Wells Fargo Cash Wise Visa® card
  • Wells Fargo Propel American Express® card

FAQs about Wells Fargo Rewards

  • Wells Fargo Rewards will not expire as long as your account is open and active. You may also lose rewards if you misuse the Rewards program. Whenever you return a purchase, you will lose the rewards you earned on that purchase, too.
  • Yes, you can gift Wells Fargo Rewards to another Rewards member or contribute them to another Rewards member’s rewards pool.
  • Some rewards redemption options—like redeeming rewards at a Wells Fargo ATM—are immediate. If you want to redeem your rewards for a statement credit, doing so may take five to seven business days to process.

The bottom line

The Wells Fargo Rewards program is a no-fuss rewards program that allows you to earn and redeem rewards in a straightforward manner. Points can be redeemed in a number of ways, including for gift cards, travel, merchandise and more.

However, keep in mind that Wells Fargo currently only offers one card that earns Wells Fargo Rewards—the Wells Fargo Active Cash. If you’re looking for a rewards program with more eligible cards, or a more flexible rewards program that offers more value for your points and more redemption options (like points transfers to airlines and hotels), you should consider top rewards credit cards in other rewards programs before you apply.