Here you can add a description about your company or product
© Copyright 2026 CardRewards. All Rights Reserved.
Earn Points on Every Move
Earn unlimited 3X points on restaurants, travel, gas, transit, streaming, and phone bills—plus transferable points to 8 airline partners with no annual fee. No caps on bonus categories.
$0
Annual Fee
20,000
Wells Fargo Rewards points · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wells Fargo Go Far Rewards
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
20,000
Wells Fargo Rewards points
$1,000
Spend Required
3 months
Time Period
New cardmembers earn 20,000 bonus points after spending $1,000 on purchases within the first 3 months from account opening. That's worth $200-$320 in travel or cash rewards.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 3X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Transit | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Phone Bills | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| Telecom | 3X | Core | any | None | |
| Tolls | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
Unlimited 3X points at all restaurants, food delivery, cafes, and bars worldwide. No caps, no exclusions.
Restaurant spending of $400/month = 14,400 points/year ($144-$230 value)
Flights, hotels, car rentals, parking, taxis, rideshare—earn 3X on any travel purchase made anywhere without booking restrictions.
Annual travel spending $3,000 = 9,000 points ($90-$144 value)
Earn on gas stations nationwide with no quarterly rotation or caps. One of few cards rewarding gas purchases at 3X.
Monthly gas budget $150 = 5,400 points/year ($54-$86 value)
Public transit, parking, taxis, Uber, Lyft—earn on every transportation method. Unique category for most rewards cards.
Monthly transit/rideshare $300 = 10,800 points/year ($108-$173 value)
Netflix, Hulu, Spotify, Disney+, HBO Max, and others. Earn 3X on entertainment subscriptions most cards ignore.
Annual streaming budget $600 = 1,800 points ($18-$29 value)
Wireless phone bill payments earn 3X points. A rare rewards benefit that covers a consistent monthly expense.
Annual phone bills $1,200 = 3,600 points ($36-$58 value)
No category limits on your base earning rate. Every purchase outside bonus categories still builds points.
Diverse spending $5,000/year = 5,000 points ($50-$80 value)
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
| Rule | Details |
|---|---|
| Wells Fargo 1/6 | You may not be eligible to open a Wells Fargo card if you have opened one in the past six months |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Earn Points on Every Move
Earn unlimited 3X points on restaurants, travel, gas, transit, streaming, and phone bills—plus transferable points to 8 airline partners with no annual fee. No caps on bonus categories.
$0
Annual Fee
20,000
Wells Fargo Rewards points · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wells Fargo Go Far Rewards
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
20,000
Wells Fargo Rewards points
$1,000
Spend Required
3 months
Time Period
New cardmembers earn 20,000 bonus points after spending $1,000 on purchases within the first 3 months from account opening. That's worth $200-$320 in travel or cash rewards.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 3X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Transit | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Phone Bills | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| Telecom | 3X | Core | any | None | |
| Tolls | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
Unlimited 3X points at all restaurants, food delivery, cafes, and bars worldwide. No caps, no exclusions.
Restaurant spending of $400/month = 14,400 points/year ($144-$230 value)
Flights, hotels, car rentals, parking, taxis, rideshare—earn 3X on any travel purchase made anywhere without booking restrictions.
Annual travel spending $3,000 = 9,000 points ($90-$144 value)
Earn on gas stations nationwide with no quarterly rotation or caps. One of few cards rewarding gas purchases at 3X.
Monthly gas budget $150 = 5,400 points/year ($54-$86 value)
Public transit, parking, taxis, Uber, Lyft—earn on every transportation method. Unique category for most rewards cards.
Monthly transit/rideshare $300 = 10,800 points/year ($108-$173 value)
Netflix, Hulu, Spotify, Disney+, HBO Max, and others. Earn 3X on entertainment subscriptions most cards ignore.
Annual streaming budget $600 = 1,800 points ($18-$29 value)
Wireless phone bill payments earn 3X points. A rare rewards benefit that covers a consistent monthly expense.
Annual phone bills $1,200 = 3,600 points ($36-$58 value)
No category limits on your base earning rate. Every purchase outside bonus categories still builds points.
Diverse spending $5,000/year = 5,000 points ($50-$80 value)
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
| Rule | Details |
|---|---|
| Wells Fargo 1/6 | You may not be eligible to open a Wells Fargo card if you have opened one in the past six months |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Earn Points on Every Move
Earn unlimited 3X points on restaurants, travel, gas, transit, streaming, and phone bills—plus transferable points to 8 airline partners with no annual fee. No caps on bonus categories.
$0
Annual Fee
20,000
Wells Fargo Rewards points · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wells Fargo Go Far Rewards
Point Valuation
1–1.6 cpp (mid: 1.5)
Credit Required
Good to Excellent
20,000
Wells Fargo Rewards points
$1,000
Spend Required
3 months
Time Period
New cardmembers earn 20,000 bonus points after spending $1,000 on purchases within the first 3 months from account opening. That's worth $200-$320 in travel or cash rewards.
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Travel | 3X | Core | any | None | |
| Gas Stations | 3X | Core | any | None | |
| Transit | 3X | Core | any | None | |
| Streaming | 3X | Core | any | None | |
| Phone Bills | 3X | Core | any | None | |
| Dining | 3X | Core | any | None | |
| Telecom | 3X | Core | any | None | |
| Tolls | 3X | Core | any | None | |
| All Other | 1X | Base | any | None |
Unlimited 3X points at all restaurants, food delivery, cafes, and bars worldwide. No caps, no exclusions.
Restaurant spending of $400/month = 14,400 points/year ($144-$230 value)
Flights, hotels, car rentals, parking, taxis, rideshare—earn 3X on any travel purchase made anywhere without booking restrictions.
Annual travel spending $3,000 = 9,000 points ($90-$144 value)
Earn on gas stations nationwide with no quarterly rotation or caps. One of few cards rewarding gas purchases at 3X.
Monthly gas budget $150 = 5,400 points/year ($54-$86 value)
Public transit, parking, taxis, Uber, Lyft—earn on every transportation method. Unique category for most rewards cards.
Monthly transit/rideshare $300 = 10,800 points/year ($108-$173 value)
Netflix, Hulu, Spotify, Disney+, HBO Max, and others. Earn 3X on entertainment subscriptions most cards ignore.
Annual streaming budget $600 = 1,800 points ($18-$29 value)
Wireless phone bill payments earn 3X points. A rare rewards benefit that covers a consistent monthly expense.
Annual phone bills $1,200 = 3,600 points ($36-$58 value)
No category limits on your base earning rate. Every purchase outside bonus categories still builds points.
Diverse spending $5,000/year = 5,000 points ($50-$80 value)
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
| Rule | Details |
|---|---|
| Wells Fargo 1/6 | You may not be eligible to open a Wells Fargo card if you have opened one in the past six months |
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Combined Protection Value
$1,070,550
Receive up to $1,000,000 coverage for accidental death or dismemberment on planes, trains, buses, or cruise ships paid with this card
Coverage for theft or damage to rental vehicles - secondary in US, primary abroad. Maximum $50,000 coverage.
Protect your purchases from damage or theft for 90 days after buying with coverage up to $10,000 per claim for eligible items
Receive reimbursement up to $3,000 per passenger for lost or damaged checked and carry-on baggage when you pay for your trip with this card
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Coverage for cell phone damage, theft, or involuntary parting up to $600 per claim when you pay your monthly wireless bill with this card
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
Best for flexible earning and travel. Earn 3X on 6 bonus categories, transferable points to airlines, $0 annual fee, no FTF, 0% intro APR for 12 months. No caps on bonus earning.
The Wells Fargo Autograph card offers transfer flexibility without an annual fee, making it ideal for downgrading from Journey. However, its modest welcome offer and limited benefits make it worthwhile only after exploring premium card options from major competitors.
The Wells Fargo Autograph card's main advantage is being one of only two Wells Fargo cards that allows point transfers to airline or hotel partners. Since it has no annual fee, we recommend downgrading to this card from an Autograph Journey card after the first year if you want to avoid the Journey's annual fee. However, applying directly for this card isn't ideal, as its welcome offer is significantly lower than the Journey card and doesn't offer enough additional benefits to justify using one of your 5/24 slots. Consider this card only after exhausting your options with Chase, American Express, and Capital One.
This straightforward card makes earning rewards simple without the complexity of an annual fee. The welcome bonus is accessible for most cardholders:
- **Quick welcome bonus**: Earn 20,000 points after spending only $1,000 in the first three months
- **Strong category bonuses**: Receive 3x points on restaurants, travel, gas, transit, streaming services, and phone providers (both cell and landline)
- **No annual fee**: Enjoy all benefits without worrying about offsetting a yearly charge
The card provides practical financial flexibility with its 0% APR offer for the first 12 months, perfect for managing larger purchases or balancing your budget. Beyond the basics, cardholders receive valuable protections:
- Up to $600 in cell phone protection
- Auto rental collision damage waiver
What truly distinguishes this card from other Wells Fargo products is its redemption versatility. As one of only two personal Wells Fargo cards with travel transfer partners, you can maximize value by transferring points to airline and hotel programs. Wells Fargo Rewards also enables point transfers between Wells Fargo customers, creating additional flexibility when coordinating rewards strategy with a partner or spouse.
Situations where this card might not be suitable:
- The welcome offer is quite modest. Even with 3x points in select categories, you'll accumulate points slowly. The Autograph Journey card offers a higher bonus and superior benefits.
**Wells Fargo Rewards should only be considered when you've exhausted Chase, Amex, or Capital One**
- One unique feature of Wells Fargo Rewards is that they can be transferred or gifted to another Wells Fargo customer
- The Autograph cards are the only cards with transferable miles to partners
- Wells Fargo doesn’t have the same comprehensive list of transfer partners as other Rewards programs like Chase or Amex
- But there is still value to be had, like transferring to Flying Blue and redeeming miles for one of their monthly Promo Rewards
The Wells Fargo credit card lineup offers several options with distinct advantages and limitations. Understanding how the Autograph card compares to its siblings helps determine its value for your situation:
- **Autograph Journey ($95 annual fee)**\- The premium option in Wells Fargo's lineup and generally worth considering for at least the first year:
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$1,070,550
Receive up to $1,000,000 coverage for accidental death or dismemberment on planes, trains, buses, or cruise ships paid with this card
Coverage for theft or damage to rental vehicles - secondary in US, primary abroad. Maximum $50,000 coverage.
Protect your purchases from damage or theft for 90 days after buying with coverage up to $10,000 per claim for eligible items
Receive reimbursement up to $3,000 per passenger for lost or damaged checked and carry-on baggage when you pay for your trip with this card
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Coverage for cell phone damage, theft, or involuntary parting up to $600 per claim when you pay your monthly wireless bill with this card
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
Best for flexible earning and travel. Earn 3X on 6 bonus categories, transferable points to airlines, $0 annual fee, no FTF, 0% intro APR for 12 months. No caps on bonus earning.
The Wells Fargo Autograph card offers transfer flexibility without an annual fee, making it ideal for downgrading from Journey. However, its modest welcome offer and limited benefits make it worthwhile only after exploring premium card options from major competitors.
The Wells Fargo Autograph card's main advantage is being one of only two Wells Fargo cards that allows point transfers to airline or hotel partners. Since it has no annual fee, we recommend downgrading to this card from an Autograph Journey card after the first year if you want to avoid the Journey's annual fee. However, applying directly for this card isn't ideal, as its welcome offer is significantly lower than the Journey card and doesn't offer enough additional benefits to justify using one of your 5/24 slots. Consider this card only after exhausting your options with Chase, American Express, and Capital One.
This straightforward card makes earning rewards simple without the complexity of an annual fee. The welcome bonus is accessible for most cardholders:
- **Quick welcome bonus**: Earn 20,000 points after spending only $1,000 in the first three months
- **Strong category bonuses**: Receive 3x points on restaurants, travel, gas, transit, streaming services, and phone providers (both cell and landline)
- **No annual fee**: Enjoy all benefits without worrying about offsetting a yearly charge
The card provides practical financial flexibility with its 0% APR offer for the first 12 months, perfect for managing larger purchases or balancing your budget. Beyond the basics, cardholders receive valuable protections:
- Up to $600 in cell phone protection
- Auto rental collision damage waiver
What truly distinguishes this card from other Wells Fargo products is its redemption versatility. As one of only two personal Wells Fargo cards with travel transfer partners, you can maximize value by transferring points to airline and hotel programs. Wells Fargo Rewards also enables point transfers between Wells Fargo customers, creating additional flexibility when coordinating rewards strategy with a partner or spouse.
Situations where this card might not be suitable:
- The welcome offer is quite modest. Even with 3x points in select categories, you'll accumulate points slowly. The Autograph Journey card offers a higher bonus and superior benefits.
**Wells Fargo Rewards should only be considered when you've exhausted Chase, Amex, or Capital One**
- One unique feature of Wells Fargo Rewards is that they can be transferred or gifted to another Wells Fargo customer
- The Autograph cards are the only cards with transferable miles to partners
- Wells Fargo doesn’t have the same comprehensive list of transfer partners as other Rewards programs like Chase or Amex
- But there is still value to be had, like transferring to Flying Blue and redeeming miles for one of their monthly Promo Rewards
The Wells Fargo credit card lineup offers several options with distinct advantages and limitations. Understanding how the Autograph card compares to its siblings helps determine its value for your situation:
- **Autograph Journey ($95 annual fee)**\- The premium option in Wells Fargo's lineup and generally worth considering for at least the first year:
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$1,070,550
Receive up to $1,000,000 coverage for accidental death or dismemberment on planes, trains, buses, or cruise ships paid with this card
Coverage for theft or damage to rental vehicles - secondary in US, primary abroad. Maximum $50,000 coverage.
Protect your purchases from damage or theft for 90 days after buying with coverage up to $10,000 per claim for eligible items
Receive reimbursement up to $3,000 per passenger for lost or damaged checked and carry-on baggage when you pay for your trip with this card
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Coverage for cell phone damage, theft, or involuntary parting up to $600 per claim when you pay your monthly wireless bill with this card
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
Best for flexible earning and travel. Earn 3X on 6 bonus categories, transferable points to airlines, $0 annual fee, no FTF, 0% intro APR for 12 months. No caps on bonus earning.
The Wells Fargo Autograph card offers transfer flexibility without an annual fee, making it ideal for downgrading from Journey. However, its modest welcome offer and limited benefits make it worthwhile only after exploring premium card options from major competitors.
The Wells Fargo Autograph card's main advantage is being one of only two Wells Fargo cards that allows point transfers to airline or hotel partners. Since it has no annual fee, we recommend downgrading to this card from an Autograph Journey card after the first year if you want to avoid the Journey's annual fee. However, applying directly for this card isn't ideal, as its welcome offer is significantly lower than the Journey card and doesn't offer enough additional benefits to justify using one of your 5/24 slots. Consider this card only after exhausting your options with Chase, American Express, and Capital One.
This straightforward card makes earning rewards simple without the complexity of an annual fee. The welcome bonus is accessible for most cardholders:
- **Quick welcome bonus**: Earn 20,000 points after spending only $1,000 in the first three months
- **Strong category bonuses**: Receive 3x points on restaurants, travel, gas, transit, streaming services, and phone providers (both cell and landline)
- **No annual fee**: Enjoy all benefits without worrying about offsetting a yearly charge
The card provides practical financial flexibility with its 0% APR offer for the first 12 months, perfect for managing larger purchases or balancing your budget. Beyond the basics, cardholders receive valuable protections:
- Up to $600 in cell phone protection
- Auto rental collision damage waiver
What truly distinguishes this card from other Wells Fargo products is its redemption versatility. As one of only two personal Wells Fargo cards with travel transfer partners, you can maximize value by transferring points to airline and hotel programs. Wells Fargo Rewards also enables point transfers between Wells Fargo customers, creating additional flexibility when coordinating rewards strategy with a partner or spouse.
Situations where this card might not be suitable:
- The welcome offer is quite modest. Even with 3x points in select categories, you'll accumulate points slowly. The Autograph Journey card offers a higher bonus and superior benefits.
**Wells Fargo Rewards should only be considered when you've exhausted Chase, Amex, or Capital One**
- One unique feature of Wells Fargo Rewards is that they can be transferred or gifted to another Wells Fargo customer
- The Autograph cards are the only cards with transferable miles to partners
- Wells Fargo doesn’t have the same comprehensive list of transfer partners as other Rewards programs like Chase or Amex
- But there is still value to be had, like transferring to Flying Blue and redeeming miles for one of their monthly Promo Rewards
The Wells Fargo credit card lineup offers several options with distinct advantages and limitations. Understanding how the Autograph card compares to its siblings helps determine its value for your situation:
- **Autograph Journey ($95 annual fee)**\- The premium option in Wells Fargo's lineup and generally worth considering for at least the first year:
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
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.
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.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Deductible: 25
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Pay nothing for unauthorized transactions when reported promptly with zero liability coverage for in-store, online, and phone purchases worldwide
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get complimentary access to your FICO credit score with monthly updates and score factors analysis through the Credit Close-Up portal
| 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% | — |
- Welcome bonus: 60,000 points after spending $4,000 in 90 days
- Enhanced earning rates: 5x on hotels, 4x on airlines, 3x on other travel and restaurants
- $50 annual statement credit for airline purchases of $50+
- Allows transfers to travel partners
- **Autograph (no annual fee)**\- Best as a downgrade option from the Journey:
- Modest welcome bonus (20,000 points for $1,000 spend)
- Solid category earning with 3x on restaurants, travel, gas, transit, streaming, and phone services
- Maintains the valuable ability to transfer points to travel partners
- Zero annual fee makes it a keeper card
The Wells Fargo lineup also includes two other no-annual-fee cards with comparable welcome bonuses to the Autograph, but neither allows point transfers to partners, significantly limiting their long-term value:
1. **Wells Fargo Attune**: Offers a $100 cash welcome bonus (after $500 spend) and earns 4% in lifestyle categories including gym memberships, salons, entertainment, and transit.
2. **Wells Fargo Active Cash**: Provides a higher $200 cash welcome bonus and features a straightforward 2% cash rewards structure on all purchases with no category restrictions.
When planning your credit card strategy, consider starting with the Autograph Journey for its superior welcome bonus and benefits, then potentially downgrading to the regular Autograph after your first year if you want to avoid the annual fee while maintaining transfer partner access.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Deductible: 25
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Pay nothing for unauthorized transactions when reported promptly with zero liability coverage for in-store, online, and phone purchases worldwide
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get complimentary access to your FICO credit score with monthly updates and score factors analysis through the Credit Close-Up portal
| 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% | — |
- Welcome bonus: 60,000 points after spending $4,000 in 90 days
- Enhanced earning rates: 5x on hotels, 4x on airlines, 3x on other travel and restaurants
- $50 annual statement credit for airline purchases of $50+
- Allows transfers to travel partners
- **Autograph (no annual fee)**\- Best as a downgrade option from the Journey:
- Modest welcome bonus (20,000 points for $1,000 spend)
- Solid category earning with 3x on restaurants, travel, gas, transit, streaming, and phone services
- Maintains the valuable ability to transfer points to travel partners
- Zero annual fee makes it a keeper card
The Wells Fargo lineup also includes two other no-annual-fee cards with comparable welcome bonuses to the Autograph, but neither allows point transfers to partners, significantly limiting their long-term value:
1. **Wells Fargo Attune**: Offers a $100 cash welcome bonus (after $500 spend) and earns 4% in lifestyle categories including gym memberships, salons, entertainment, and transit.
2. **Wells Fargo Active Cash**: Provides a higher $200 cash welcome bonus and features a straightforward 2% cash rewards structure on all purchases with no category restrictions.
When planning your credit card strategy, consider starting with the Autograph Journey for its superior welcome bonus and benefits, then potentially downgrading to the regular Autograph after your first year if you want to avoid the annual fee while maintaining transfer partner access.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Deductible: 25
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Pay nothing for unauthorized transactions when reported promptly with zero liability coverage for in-store, online, and phone purchases worldwide
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get complimentary access to your FICO credit score with monthly updates and score factors analysis through the Credit Close-Up portal
| 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% | — |
- Welcome bonus: 60,000 points after spending $4,000 in 90 days
- Enhanced earning rates: 5x on hotels, 4x on airlines, 3x on other travel and restaurants
- $50 annual statement credit for airline purchases of $50+
- Allows transfers to travel partners
- **Autograph (no annual fee)**\- Best as a downgrade option from the Journey:
- Modest welcome bonus (20,000 points for $1,000 spend)
- Solid category earning with 3x on restaurants, travel, gas, transit, streaming, and phone services
- Maintains the valuable ability to transfer points to travel partners
- Zero annual fee makes it a keeper card
The Wells Fargo lineup also includes two other no-annual-fee cards with comparable welcome bonuses to the Autograph, but neither allows point transfers to partners, significantly limiting their long-term value:
1. **Wells Fargo Attune**: Offers a $100 cash welcome bonus (after $500 spend) and earns 4% in lifestyle categories including gym memberships, salons, entertainment, and transit.
2. **Wells Fargo Active Cash**: Provides a higher $200 cash welcome bonus and features a straightforward 2% cash rewards structure on all purchases with no category restrictions.
When planning your credit card strategy, consider starting with the Autograph Journey for its superior welcome bonus and benefits, then potentially downgrading to the regular Autograph after your first year if you want to avoid the annual fee while maintaining transfer partner access.
