Wells Fargo Rewards Credit Cards Review and Guide

Wells Fargo Rewards Credit Cards offer a range of benefits to cardholders, including earning rewards points on purchases. These points can be redeemed for cash back, travel, or other rewards.

The Wells Fargo Propel American Express Card is a popular option, offering 3X points on dining, 2X points on gas stations and restaurants, and 1X point on all other purchases. This card also has no annual fee.

Wells Fargo Rewards Credit Cards have no foreign transaction fees, making them a great choice for international travel. This can save cardholders a significant amount of money on foreign transactions.

Cardholders can earn rewards points on their purchases, and redeem them for cash back, travel, or other rewards.

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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.

The Wells Fargo Rewards program allows you to redeem points and cash back in similar ways and at a similar value, generally 1 cent each. This means that 1 point is worth $0.01.

You can access your Wells Fargo Rewards through your card account page on the Wells Fargo website or app.

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.

To give you a better idea, here are some details about the rewards earning rates for specific cards:

The Wells Fargo Autograph℠ Card and the Wells Fargo Autograph Journey℠ Card earn points, while the Wells Fargo Active Cash Card earns cash back.

With a Wells Fargo Rewards credit card, you're protected from unauthorized transactions with Zero Liability protection, which means you won't be held responsible if someone uses your card without permission.

This protection is included at no extra cost, and it's designed to give you peace of mind when making purchases or using your card online.

Having a credit card with robust protection features can give you peace of mind when making purchases online or in-store.

Your credit card likely comes with Zero Liability protection, which means you won't be held responsible for unauthorized transactions as long as you report them promptly.

This protection is usually included at no extra cost, so you don't have to worry about paying extra for this service.

If you notice any suspicious activity on your account, be sure to report it right away to avoid any potential issues.

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Overdraft Protection is a useful service that can help you avoid unexpected overdrafts and bounced checks. You can link your Wells Fargo credit card to your Wells Fargo checking account to enable this service.

To sign up for Overdraft Protection, you'll need to have both a Wells Fargo credit card and a Wells Fargo checking account. You can enroll by logging into the Wells Fargo Credit Card Service Center and selecting Overdraft Protection.

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You'll only be charged for Overdraft Protection when you use it, so you won't incur unnecessary fees. This service is optional, so you can choose to opt out if you prefer.

To get started, you can apply for a Wells Fargo credit card and check the Overdraft Protection box. All credit cards are subject to credit qualification, so be sure to meet the requirements.

Accessing the travel portal is a great way to use your rewards for various forms of travel, including flights, hotels, cruises, car rentals, or vacation packages.

You can even use your rewards for experiences like a safari excursion, a tee time on the golf course, or exploring ancient ruins.

Using the travel portal keeps your points worth an easy-to-remember 1 cent each, which might be a lower value than transferring points directly to an airline or hotel, but it allows you to book with any brand you choose without worrying about blackout dates or other common availability restrictions.

This flexibility makes the travel portal a convenient option for booking travel.

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Earning Wells Fargo Rewards is easier than you think. You can earn points by opening new credit cards to earn welcome bonuses.

Wells Fargo offers multiple cards that earn Wells Fargo Rewards, each with different benefits and earning rates. The Active Cash Card, for example, earns unlimited 2% cash rewards on purchases.

You can also earn points by shopping through the Wells Fargo Rewards online portal. This is a great way to earn points on your everyday purchases.

The Active Cash Card offers a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. This is a great incentive to sign up for the card.

You can earn 5X points on certain flights (up to $500,000 per calendar year) and hotel stays with certain Wells Fargo Rewards cards. This can add up to hundreds of dollars a year in credit for travel and shopping.

With the Active Cash Card, you can earn unlimited 2% cash rewards on purchases, making it a great option for everyday spending.

Rewards redemption is a breeze with Wells Fargo Rewards credit cards. You can redeem your rewards in several ways, including travel, statement credit, cash withdrawal from an ATM, or credit toward an eligible Wells Fargo loan.

For travel redemptions, you can transfer your rewards to partner airlines and hotels, which can lead to more value. In fact, points applied to award flights or free hotel nights can be worth 2, 3, or even 5 cents per point.

You can also redeem your rewards for merchandise, with categories like home decor, bags and luggage, cookware, bed and bath, and small appliances to choose from. Some of these categories have thousands of options, so you're sure to find something you like.

Wells Fargo Rewards can also be redeemed for gift cards, which are worth 1 cent each. You can purchase gift cards at a discount during special promotions, especially around holidays.

If you want to use your rewards for everyday purchases, you can link your Wells Fargo card to PayPal Wallet and use your rewards for eligible purchases at checkout. This way, you don't have to use all your rewards at once and can adjust the amount to use for the purchase.

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You can also redeem your rewards for credits to a Wells Fargo banking account by calling 877-517-1358 or logging in to your online account. Statement credits toward the principal balances of credit card, loan, or mortgage accounts are also possible.

Here are some ways to redeem your Wells Fargo Rewards:

Wells Fargo monitors your account for unusual activity to protect you from fraud. This helps keep your account secure and prevents unauthorized transactions.

If you're a victim of fraud, you won't be held responsible for promptly reported unauthorized transactions, subject to certain conditions. Be sure to review the Consumer Credit Card Customer Agreement and Disclosure Statement for more information.

Wells Fargo offers alerts to help you stay on top of your account activity. You can track purchases with limits you set, stay within your budget with text notifications, and even get notified if your password is updated.

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Monitoring for Fraud is a top priority when it comes to protecting your account. We help protect your account from fraud by regularly reviewing your account for unusual activity.

You won't be held responsible for promptly reported unauthorized transactions, subject to certain conditions. For more information, please review the applicable Consumer Credit Card Customer Agreement and Disclosure Statement.

If you transfer amounts owed to another creditor and maintain a balance on this credit card account, you will not qualify for future grace periods on new purchases as long as a balance remains on this account.

Additional terms and conditions apply. Balance transfers have no grace period. If your card earns rewards through Wells Fargo Rewards, rewards will not be earned on balance transfers.

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Paying your credit card bills online is a convenient and hassle-free way to manage your finances. You can sign on to Wells Fargo Online or download the Wells Fargo Mobile app to make same-day payments, schedule future payments, and manage your credit card payments from your mobile device.

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With the Wells Fargo Mobile app, you can easily access your credit card accounts and make payments on the go. This is especially useful when you're traveling or away from home.

To make paying your credit card bills even easier, you can set up Autopay. This feature automatically deducts your payment from the account you choose, so you don't have to worry about missed payments.

Here are the ways you can pay your credit card bills online:

Balance transfers can be a smart way to manage your credit card debt. You could pay less interest by transferring balances from other higher-rate credit cards to a Wells Fargo credit card.

A balance transfer can give you the flexibility to pay off another credit card or tax bill, fund large expenses like home improvements, cover emergencies and other unplanned expenses, or pay an individual.

If you already have a Wells Fargo credit card, you can sign on to the Wells Fargo Credit Card Service Center and select Request Balance Transfer to see if you have an offer.

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The Attune card is a great option for those who want to earn cash rewards while making a positive impact. It offers a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.

The card also donates $50 to Capital Link when you qualify for the $100 cash rewards bonus, which is a nice touch. Unlimited 4% cash rewards are earned on select spending categories.

These categories include gym memberships, salons and spas, select sports, recreation, and entertainment, public transit, electric vehicle charging, and select thrift stores. Additionally, all non-bonus-category spending earns 1% back.

Here are the categories where you can earn unlimited 4% cash rewards:

The Attune card is a great choice for those who prioritize self-care, wellness, and the environment.

Personal credit cards can be a great way to earn rewards and cash back on your purchases. The Wells Fargo Autograph℠ Card offers 0% introductory APR on purchases for 12 months from account opening.

You can earn 3 points per dollar at restaurants, travel, gas stations, transit, popular streaming services, and phone plans with this card. The card also has a balance transfer fee of up to 5%, minimum $5.

The Wells Fargo Autograph Journey℠ Card, on the other hand, has an annual fee of $95. You can earn 5 points per dollar on hotels, 4 points per dollar on airlines, 3 points per dollar on other travel and restaurants, and 1 point per dollar on other purchases with this card.

If you're looking for a cash rewards card, the Wells Fargo Active Cash Card is a good option. You can earn 2% cash rewards on purchases with this card.

Here are some key features of the Wells Fargo personal credit cards:

Your rewards points won't appear out of thin air, and if they're gone, it's likely due to a legitimate reason. Rewards disappear from your account when you make a redemption.

If the transaction that earned the rewards is reversed or found to be fraudulent, your rewards will be wiped out. This is a security measure to protect your account.

Rewards balances will also be cleared on accounts that are no longer open or in good standing. It's essential to keep your account active and in good standing to retain your rewards.

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Redemptions from rewards programs can take some time to process. Redemptions will show as deductions from your rewards balance immediately.

It's essential to plan ahead for rewards redemptions. Some rewards programs may take up to seven business days for statement credits to appear on your account.

You're still responsible for making payments if a payment is due, even if you've redeemed rewards.

If you're not a fan of Wells Fargo Rewards credit cards, there are plenty of alternatives to consider.

The Wells Fargo Propel American Express Card offers 3X points on dining, 2X points on gas, and 1X point on everything else, making it a great option for those who want a more straightforward rewards structure.

You can also consider the Discover it Cash Back credit card, which offers 5% cash back on various categories throughout the year, such as gas stations, grocery stores, and restaurants.

If you're looking to get the most out of your Wells Fargo credit card, there are alternative uses for your rewards points beyond just transferring them to travel partners or redeeming them for statement credits.

You can transfer your Wells Fargo Rewards to partner airlines and hotels for potentially more value, with points worth up to 5 cents per point in some cases.

Some popular ways to use your Wells Fargo Rewards include using them for merchandise, such as home decor, bags and luggage, cookware, bed and bath, and small appliances.

You can also use your Wells Fargo Rewards to pay for large expenses, such as home improvements, or cover emergencies and other unplanned expenses.

To do this, you can request a balance transfer from another credit card or loan to your Wells Fargo credit card, potentially reducing your interest payments and overall monthly payments.

Here are some examples of how you can use your Wells Fargo Rewards:

Remember to confirm your travel reservations are available at an acceptable price before transferring your rewards, as this transaction is irreversible.

The Wells Fargo Signify Business Card is a great option for business owners who want a simple rewards structure. It earns an unlimited 2% cash back on qualifying purchases with a $0 annual fee.

This card offers a competitive 0% introductory APR offer, which can be a big help for new cardholders.

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If you're looking for a card that's no longer accepting new applications, you have a few options to consider.

Some discontinued cards from Wells Fargo may still earn rewards points if you already hold the card, but be aware that some redemption options may not be available to you.

You can earn 3 Wells Fargo Rewards points on dining out and ordering in, popular streaming devices, gas stations, rideshare, transit, travel including flights, hotels, homestays and car rentals with the Wells Fargo Propel World American Express card.

The Wells Fargo Visa Signature Credit Card offers 5 Wells Fargo Rewards points per dollar spent on up to $12,500 on grocery, gas and drugstore purchases for the first six months.

The Wells Fargo Rewards Card also offers 5 Wells Fargo Rewards points per dollar spent up to the first $12,500 spent on gas, grocery, and drugstore spending for the first six months.

Wells Fargo Business Platinum Credit Card* offers a choice between cash back or rewards points, with the cash back option earning 1.5% cash back on every $1 spent.

Wells Fargo Business Elite Signature Card* earns 1.5% cash back per dollar spent or 1 point per dollar spent, with a 5,000 bonus points reward when the company spend is $10,000 or more in any monthly billing period.

Wells Fargo Business Secured Credit Card* earns 1.5% cash back per dollar spent on qualifying purchases or 1 point per dollar spent, with a 1,000 bonus points reward when the company spend is $1,000 or more in any monthly billing period.

Here are some details on these discontinued cards: