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© Copyright 2026 CardRewards. All Rights Reserved.
$0
Annual Fee
4X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Fitness | 4X | Core | any | None | |
| Wellness | 4X | Core | any | None | |
| Sustainable Brands | 4X | Core | any | None | |
| Ev Charging | 4X | Core | any | None | |
| Farmers Markets | 4X | Core | any | None | |
| Live Entertainment | 4X | Core | any | None | |
| Movie Theatres | 4X | Core | any | None | |
| Transit | 4X | Core | any | None | |
| All Other | 1X | Base | any | None |
Benefits & Perks
Program & Transfers
No-annual-fee transfers to premium airlines
Wells Fargo Go Far Rewards launched its transfer partner program in April 2024, transforming from a basic rewards program into a legitimate transferable points player. The standout feature: transfer access is available on the no-annual-fee Autograph card, making it unique among major bank programs. The partner roster focuses heavily on Avios currencies (British Airways, Aer Lingus, Iberia) which share points between programs, plus valuable options like Air France-KLM Flying Blue, Avianca LifeMiles, and JetBlue TrueBlue. The 1:2 transfer ratio to Choice Privileges doubles your points for hotel stays. While smaller than Chase or Amex partner networks, Wells Fargo's strategic partnerships cover all three alliances and provide excellent redemption opportunities. The Autograph Journey's 5x on hotels and 4x on airlines makes it competitive with premium travel cards at a fraction of the annual fee.
Reviews & Analysis
Details & Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Yes, you can transfer or gift points to another Wells Fargo customer for free. This is unique among major bank programs and allows households to pool points for larger redemptions.
No, points don't expire as long as your account is open and in good standing. However, if you close your account, you will forfeit any unredeemed points.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — |
$0
Annual Fee
4X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Fitness | 4X | Core | any | None | |
| Wellness | 4X | Core | any | None | |
| Sustainable Brands | 4X | Core | any | None | |
| Ev Charging | 4X | Core | any | None | |
| Farmers Markets | 4X | Core | any | None | |
| Live Entertainment | 4X | Core | any | None | |
| Movie Theatres | 4X | Core | any | None | |
| Transit | 4X | Core | any | None | |
| All Other | 1X | Base | any | None |
Benefits & Perks
Program & Transfers
No-annual-fee transfers to premium airlines
Wells Fargo Go Far Rewards launched its transfer partner program in April 2024, transforming from a basic rewards program into a legitimate transferable points player. The standout feature: transfer access is available on the no-annual-fee Autograph card, making it unique among major bank programs. The partner roster focuses heavily on Avios currencies (British Airways, Aer Lingus, Iberia) which share points between programs, plus valuable options like Air France-KLM Flying Blue, Avianca LifeMiles, and JetBlue TrueBlue. The 1:2 transfer ratio to Choice Privileges doubles your points for hotel stays. While smaller than Chase or Amex partner networks, Wells Fargo's strategic partnerships cover all three alliances and provide excellent redemption opportunities. The Autograph Journey's 5x on hotels and 4x on airlines makes it competitive with premium travel cards at a fraction of the annual fee.
Reviews & Analysis
Details & Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Yes, you can transfer or gift points to another Wells Fargo customer for free. This is unique among major bank programs and allows households to pool points for larger redemptions.
No, points don't expire as long as your account is open and in good standing. However, if you close your account, you will forfeit any unredeemed points.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — |
$0
Annual Fee
4X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Cash
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Fitness | 4X | Core | any | None | |
| Wellness | 4X | Core | any | None | |
| Sustainable Brands | 4X | Core | any | None | |
| Ev Charging | 4X | Core | any | None | |
| Farmers Markets | 4X | Core | any | None | |
| Live Entertainment | 4X | Core | any | None | |
| Movie Theatres | 4X | Core | any | None | |
| Transit | 4X | Core | any | None | |
| All Other | 1X | Base | any | None |
Benefits & Perks
Program & Transfers
No-annual-fee transfers to premium airlines
Wells Fargo Go Far Rewards launched its transfer partner program in April 2024, transforming from a basic rewards program into a legitimate transferable points player. The standout feature: transfer access is available on the no-annual-fee Autograph card, making it unique among major bank programs. The partner roster focuses heavily on Avios currencies (British Airways, Aer Lingus, Iberia) which share points between programs, plus valuable options like Air France-KLM Flying Blue, Avianca LifeMiles, and JetBlue TrueBlue. The 1:2 transfer ratio to Choice Privileges doubles your points for hotel stays. While smaller than Chase or Amex partner networks, Wells Fargo's strategic partnerships cover all three alliances and provide excellent redemption opportunities. The Autograph Journey's 5x on hotels and 4x on airlines makes it competitive with premium travel cards at a fraction of the annual fee.
Reviews & Analysis
Details & Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Yes, you can transfer or gift points to another Wells Fargo customer for free. This is unique among major bank programs and allows households to pool points for larger redemptions.
No, points don't expire as long as your account is open and in good standing. However, if you close your account, you will forfeit any unredeemed points.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — |
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
Credit Close-up monitoring
—
Monthly
With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO®
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Combined Protection Value
$600
Get up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone Bill with your
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Identity theft hurts, but Mastercard can help – for no extra cost. From scouring the internet to see if your personal info is being sold to helping
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
Transfer your Wells Fargo Rewards points to 9 leading loyalty programs for maximum value.
Most partners accept Wells Fargo Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | 1 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 115% | — | |
| 1:1 | instant | 100% | 1.35 cpp | |
| 1:1 | instant | 100% | 1.4 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Book on Iberia instead of British for much lower taxes and surcharges. $32 in fees on Iberia vs. $170+ on British | 3,500 | — | economy | europe |
| Category 1 hotels | 3,500 | — | — | united_states |
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| Domestic US in Business on a Partner | 6,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Mexico in Economy | 14,400 | — | economy | central_america |
Showing top 20 of 71 sweet spots
No, there is no minimum transfer amount or increment requirement. Unlike competitors that require 1,000-point minimums, you can transfer any amount to airline and hotel partners.
Only the Autograph ($0 annual fee) and Autograph Journey ($95/year) earn points that can be transferred to airline and hotel partners. The Active Cash earns 2% cash back that can be converted to points but doesn't directly earn transferable points.
Most transfers are instant, though some partners may take a few days. Always verify partner award availability before transferring, as transfers are one-way and cannot be reversed.
Yes, you can combine earnings from non-cobranded Wells Fargo cards. The Active Cash 2% cash back can be converted to points and combined with Autograph/Journey points for maximum redemption value.
| — |
| View source |
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
Credit Close-up monitoring
—
Monthly
With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO®
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Combined Protection Value
$600
Get up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone Bill with your
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Identity theft hurts, but Mastercard can help – for no extra cost. From scouring the internet to see if your personal info is being sold to helping
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
Transfer your Wells Fargo Rewards points to 9 leading loyalty programs for maximum value.
Most partners accept Wells Fargo Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | 1 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 115% | — | |
| 1:1 | instant | 100% | 1.35 cpp | |
| 1:1 | instant | 100% | 1.4 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Book on Iberia instead of British for much lower taxes and surcharges. $32 in fees on Iberia vs. $170+ on British | 3,500 | — | economy | europe |
| Category 1 hotels | 3,500 | — | — | united_states |
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| Domestic US in Business on a Partner | 6,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Mexico in Economy | 14,400 | — | economy | central_america |
Showing top 20 of 71 sweet spots
No, there is no minimum transfer amount or increment requirement. Unlike competitors that require 1,000-point minimums, you can transfer any amount to airline and hotel partners.
Only the Autograph ($0 annual fee) and Autograph Journey ($95/year) earn points that can be transferred to airline and hotel partners. The Active Cash earns 2% cash back that can be converted to points but doesn't directly earn transferable points.
Most transfers are instant, though some partners may take a few days. Always verify partner award availability before transferring, as transfers are one-way and cannot be reversed.
Yes, you can combine earnings from non-cobranded Wells Fargo cards. The Active Cash 2% cash back can be converted to points and combined with Autograph/Journey points for maximum redemption value.
| — |
| View source |
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
Credit Close-up monitoring
—
Monthly
With Credit Close-Up® you own the skills to help understand and track your FICO® Score, raise it, or maintain it. Enroll to receive monthly FICO®
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
Combined Protection Value
$600
Get up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone Bill with your
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Pay for rental cars using an eligible card and get reimbursed for covered damage or theft.
Identity theft hurts, but Mastercard can help – for no extra cost. From scouring the internet to see if your personal info is being sold to helping
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Built-in protection features ensure that you won't be held responsible for unauthorized transactions, as long as they're reported promptly.
Transfer your Wells Fargo Rewards points to 9 leading loyalty programs for maximum value.
Most partners accept Wells Fargo Rewards points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | 1 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | 115% | — | |
| 1:1 | instant | 100% | 1.35 cpp | |
| 1:1 | instant | 100% | 1.4 cpp | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Book on Iberia instead of British for much lower taxes and surcharges. $32 in fees on Iberia vs. $170+ on British | 3,500 | — | economy | europe |
| Category 1 hotels | 3,500 | — | — | united_states |
| Intra-Europe in Economy on a Partner | 4,000 | — | economy | europe |
| Domestic US in Economy | 4,500 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| Domestic US in Business on a Partner | 6,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Domestic US in Economy on a Partner | 6,300 | — | economy | united_states |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Domestic US and Canada in Economy | 7,100 | — | economy | united_states |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| US to Hawaii in Economy | 8,000 | — | economy | united_states |
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Canada in Economy | 10,300 | — | economy | united_states |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| Canada to Hawaii in Economy | 11,600 | — | economy | united_states |
| Domestic US in First Class | 12,500 | — | first | united_states |
| US to Mexico in Economy | 14,400 | — | economy | central_america |
Showing top 20 of 71 sweet spots
No, there is no minimum transfer amount or increment requirement. Unlike competitors that require 1,000-point minimums, you can transfer any amount to airline and hotel partners.
Only the Autograph ($0 annual fee) and Autograph Journey ($95/year) earn points that can be transferred to airline and hotel partners. The Active Cash earns 2% cash back that can be converted to points but doesn't directly earn transferable points.
Most transfers are instant, though some partners may take a few days. Always verify partner award availability before transferring, as transfers are one-way and cannot be reversed.
Yes, you can combine earnings from non-cobranded Wells Fargo cards. The Active Cash 2% cash back can be converted to points and combined with Autograph/Journey points for maximum redemption value.
| — |
| View source |
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| 1:1 |
| instant |
| 92% |
| — |
| 1:1 | instant | 85% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | instant | 108% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 100% | — |
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| 1:1 |
| instant |
| 92% |
| — |
| 1:1 | instant | 85% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | instant | 108% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 100% | — |
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| 1:1 |
| instant |
| 92% |
| — |
| 1:1 | instant | 85% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:2 | instant | 108% | 0.6 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
air_france_klm_flying_blue | 1:1 | instant | 100% | — |
