What Does Wells Fargo Cash Back Credit Offer for Credit Cardholders

With Wells Fargo Cash Back Credit, you can earn rewards on your everyday purchases. The rewards rate is 3% cash back on purchases in your top eligible category each quarter, such as gas stations, grocery stores, or restaurants.

Wells Fargo Cash Back Credit also offers a 1% cash back on all other purchases. This means you'll earn rewards on every purchase you make, not just the ones in your top category.

You can redeem your cash back rewards for statement credits, checks, or even direct deposits.

To earn Wells Fargo Rewards, you can use an eligible Wells Fargo credit card. This is the primary way to start accumulating rewards in your account.

You can earn tens of thousands of points or a few hundred dollars in welcome offers by meeting spending requirements within the first few months. For example, all of Wells Fargo's rewards-earning cards offer these types of promotions.

Wells Fargo cardholders can also earn rewards by taking advantage of limited-time promotions. These offers are designed to incentivize spending and can be a great way to boost your rewards earnings.

Here are the two main ways to earn rewards with your eligible Wells Fargo credit card:

To redeem your Wells Fargo cash back credit, you can use it as a statement credit to your credit card account, or to an eligible checking account or mortgage. This yields a consistent redemption value of 1 cent per point, and credits are deducted from your points balance immediately.

You can redeem online, via the app, or by phone, by calling Wells Fargo customer service at 877-517-1358. You can also use the Wells Fargo app to redeem your rewards.

You can redeem in any amount from 1 point up to your entire balance, but if you want to receive a paper check or set up automatic recurring credits, you must redeem in increments of 2,500 points ($25).

You can also use your Wells Fargo cash back credit to withdraw cash at Wells Fargo ATMs, redeeming in increments of 2,000 points ($20). This option can be handy if you're unable to redeem online or by phone.

Here are the different ways you can redeem your Wells Fargo cash back credit:

The Wells Fargo Rewards program is a great way to earn rewards on your everyday purchases. You can earn rewards on nearly all purchases with an eligible Wells Fargo credit card.

There are four cards that currently earn Wells Fargo Rewards: the Wells Fargo Active Cash Card, Wells Fargo Autograph Card, Wells Fargo Autograph Journey Card, and Wells Fargo Attune Card.

Here are the cards that currently earn Wells Fargo Rewards:

The Wells Fargo Active Cash Card offers a strong sign-up bonus of $200 in cash rewards after new cardholders spend $500 on eligible purchases in the first 3 months after account opening.

The Wells Fargo Rewards program is a great way to earn rewards on your purchases. You can earn rewards on nearly all purchases with an eligible Wells Fargo credit card.

The cards that currently earn Wells Fargo Rewards are:

Some discontinued cards are still available to earn points or cash back, even if they can't be applied for new.

The Wells Fargo Attune℠ Card offers bonus rewards categories that cover a wide range of purchases, including gym memberships, salons, and spas.

In North Dakota, cardholders can earn rewards on their purchases at thrift stores, which is a unique feature of this rewards card.

The card's rewards structure is designed to provide cardholders with flexibility and options for earning rewards on their purchases.

If you're looking to earn rewards on your gym membership or salon visits, the Wells Fargo Attune℠ Card is a great option to consider.

The Wells Fargo Rewards program has a few cards that are no longer available for new sign-ups, but still earn rewards.

These discontinued cards include the Wells Fargo Rewards Card and the Wells Fargo Visa Signature Card.

Cards like the Wells Fargo Cash Wise Visa card and the Wells Fargo Propel American Express card are also no longer available for new sign-ups, but still offer rewards.

If you're interested in these cards, you can look into their current terms and conditions to see if they're still a good fit for you.

Wells Fargo Rewards points are valued at 1.0 cent per point, which is lower than some other major credit card rewards programs.

American Express Membership Rewards and Chase Ultimate Rewards both offer 2.0 cents per point, making them more valuable.

If you're looking for a card with a higher rewards rate, consider the Chase Freedom Unlimited or the Blue Cash Preferred Card from American Express.

The Discover it Cash Back card offers unlimited cash back on all purchases, but it's worth noting that Wells Fargo Rewards points can be redeemed for cash or travel.

Here's a comparison of the rewards programs:

Approval odds for credit cards are not a guarantee of approval, but Credit Karma can give you an idea of your chances based on your credit profile.

If you're not convinced that the Wells Fargo Rewards program is the best fit for you, there are some great alternatives to consider. The Chase Freedom Unlimited Card offers a good rewards rate on all purchases, plus some bonus categories to help you earn even more.

According to Bankrate's latest credit card point and mile valuations, Chase Ultimate Rewards points are valued at 2.0 cents, which is comparable to Wells Fargo Rewards points. However, the Chase Freedom Unlimited Card has a different rewards structure, so it's worth considering if you want a more specialized program.

The Blue Cash Preferred Card from American Express is another great option for families or anyone who likes to cook at home. It offers excellent rewards in certain categories, such as groceries and gas.

If you're looking for a card with a high rewards rate on rotating categories, the Discover it Cash Back card is worth considering. It offers unlimited cash back on all purchases, with a high rate on certain categories that change throughout the year.

Here are some of the top alternatives to the Wells Fargo Rewards program:

One major advantage of this credit card is its high cash back rate on all purchases. This means you'll earn a significant percentage back on every transaction you make.

The lack of an annual fee is another significant pro, making it a more affordable option for those who want to earn cash back without extra charges.

The Wells Fargo Active Cash Card offers a range of features and benefits that make it an attractive option for those looking for a straightforward cash back rewards card.

You can earn unlimited 2% cash rewards on all purchases, with no rotating categories or spending limits to keep track of. This means you'll always earn your 2% cash back as you make purchases.

The card also comes with a generous intro APR offer of 0% for 12 months on purchases and qualifying balance transfers. This can be a huge help if you need to make a big purchase or consolidate debt.

One of the standout features of the Wells Fargo Active Cash Card is its $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. This is a great incentive to sign up and start using the card.

Here are some key benefits of the Wells Fargo Active Cash Card at a glance:

Additionally, the card has a $0 annual fee, making it a great option for those who want to avoid unnecessary fees.

The Wells Fargo Cash Back Credit offers a range of benefits, but it's essential to understand the key information to make the most of it.

You can earn unlimited 2% cash rewards on purchases with the Active Cash Card, which is a great option for those who want straightforward cash rewards.

One of the notable features of the Wells Fargo Rewards program is that it lets you earn points on nearly all purchases, and you can redeem your rewards in various ways, including cash back, gift cards, or travel.

The Wells Fargo Active Cash Card comes with a $200 cash rewards bonus when you spend $500 in purchases in the first 3 months, which is a great incentive to get started.

Here are some key details about the Wells Fargo Active Cash Card:

The Wells Fargo Active Cash Card also offers 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, which can be a huge advantage for those who need to make large purchases or pay off debt.

You can earn 3% cash rewards on purchases at gas stations, grocery stores, and on dining with the Active Cash Card, which is a great way to maximize your rewards earnings.

The Wells Fargo Active Cash Card has a $0 annual fee, which makes it an attractive option for those who want to avoid paying extra fees.