Wells Fargo Rewards program: How to earn, redeem and transfer points
Alongside the launch of the Wells Fargo Autograph Journey℠ Card (see rates and fees), Wells Fargo revamped its travel rewards program, adding a total of six transfer partners — five airlines and one hotel — to its Wells Fargo Rewards program. In September, the credit card rewards program announced another transfer partner: Virgin Atlantic Flying Club/Virgin Red.
Previously, those holding the Wells Fargo Autograph® Card (see rates and fees) could earn points and redeem them for 1 cent per dollar through the portal. However, Wells Fargo points are now more valuable with the addition of transfer partners, as cardholders can maximize their points by earning transferable rewards.
Keep reading to find out more about how to earn, redeem and transfer your Wells Fargo Rewards points.
How to earn Wells Fargo Rewards points
To earn Wells Fargo Rewards points, you need to spend on your Wells Fargo credit card. If you sign up for the Autograph Journey Card, you will earn 60,000 bonus points after spending $4,000 in the first three months. If you opt to redeem your rewards via the Wells Fargo portal, your points will be valued at 1 cent each; therefore, this bonus would be worth $600. However, as previously mentioned, you can get more value out of your welcome bonus points if you transfer them to travel partners.
Aside from earning points via the welcome bonus, you will earn 5 points per dollar spent at hotels, 4 points per dollar spent on airline purchases, 3 points per dollar spent on other travel and restaurant purchases and 1 point per dollar spent on other purchases.
If you're searching for a no-annual-fee credit card, you may want to check out the Wells Fargo Autograph Card, which offers 20,000 bonus points after spending $1,000 on purchases within the first three months of card membership. Plus, you'll earn 3 points per dollar spent on restaurants (dining in, takeout, catering, delivery and more), travel-related purchases (airfare, hotels, car rentals, cruises and more), gas (gas stations and electric vehicle charging stations), transit (subways, ride-hailing services, parking, tolls and more), streaming services and phone plans. You'll also earn 1 point per dollar spent on other purchases.
Though no longer available to new applicants, the Wells Fargo Visa Signature® card will allow you to redeem 1.5 cents per point on travel redemptions through the online portal.
The information for the Wells Fargo Visa Signature card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Rewards transfer partners
Wells Fargo Rewards joins the list of valuable transferable currencies you can earn alongside Chase Ultimate Rewards, Capital One miles, American Express Membership Rewards, Citi ThankYou Rewards and Bilt Rewards.
Wells Fargo Autograph and Journey cardholders can now transfer their points to the following programs at a 1:1 ratio:
- Aer Lingus AerClub
- Air France-KLM Flying Blue
- Avianca LifeMiles
- British Airways Executive Club
- Iberia Plus
- Virgin Atlantic Flying Club/Virgin Red
- Choice Privileges (transfers at a 1:2 ratio)
Related: How (and why) you should earn transferable credit card points
How to redeem Wells Fargo Rewards points
To redeem your points, sign into your credit card account or the mobile app and click on the Wells Fargo Rewards page. From there, you can hover over "Use Rewards" and select how you would like to redeem your rewards.
You can redeem your points for travel, such as airfare and hotels, make a charitable donation, buy products from retailers, pay for specific purchases using points, purchase gift cards or get a statement credit for items already purchased.
When used for travel purchases, Wells Fargo Rewards points can be redeemed at 1 cent per point. However, other redemptions, such as when purchasing gift cards or items from retailers, may be redeemed at a lesser value.
If you want to transfer your points, hover over "Use Rewards" and select "Rewards Points Transfer." You'll see a list of the airline and hotel transfer partners.
From there, click on "Link accounts" for the partner you want to link and enter your partner account number before clicking "Continue."
You'll see a confirmation message to confirm that the accounts have been linked (it only takes a few seconds). From there, you can transfer points (if you have them), but if you click "Cancel," you'll come back to the main transfer page — which now has a new expandable menu labeled "My linked rewards programs."
Unlike other credit card rewards programs, transfers are not subject to a minimum-point charge and have no specified point increments. Remember, transfers are nonreversible, so be sure to check award availability on the partner's website if you're transferring points for a specific redemption. Also, transfers may not happen instantly, so keep that in mind when looking to book award travel.
Wells Fargo Rewards credit cards
Though Wells Fargo offers several types of credit cards, including cash rewards cards, you can currently only earn Wells Fargo Rewards points with the following cards:
Both cards offer an attractive welcome bonus to help you earn points to redeem on your next travel or shopping purchase.
With the introduction of new transferable partners, we're excited to see Wells Fargo expanding its loyalty program. Plus, we wouldn't be surprised if the number of airline and hotel partners continues to grow within the next two years to compete with other credit card rewards companies.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.