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Wells Fargo Autograph Visa® Card terms and conditions

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Part 2: Summary of the Wells Fargo Rewards® Program Terms and Conditions and the
Wells Fargo Autograph Visa® Card Addendum

Effective: December 10, 2023

These Wells Fargo Rewards Program Terms and Conditions Summary and Addendum (collectively called Terms) are only a summary of the full Terms. Other restrictions and requirements apply. If you are approved for the Wells Fargo Autograph Card, we will provide you with the full Terms.

You can also find the most current Terms online at

In this information, "you" and "your" mean each person who owns a Wells Fargo Credit Card (Credit Card) and participates in its Wells Fargo Rewards® (Program), according to our records. "Wells Fargo," "we," "our," and "us" refer to Wells Fargo Bank, N.A.

The Terms
  • Represent all the Program’s terms and conditions for our credit card
  • Include any additional terms and conditions we reference
  • Include any promotional terms and conditions for earning bonus Rewards
We may add Addendums to these Terms and may also address the following:
  • Rewards Expiration
  • Rewards Forfeiture
  • Rewards Earnings and Limitations

By participating in this Program, you agree to these Terms. You also acknowledge that you must consent to certain agreements to use your account online.

Please note: This Program is not available for products, promotions, or offers unless we specifically allow it.

  1. What do you earn by participating in the Program?

    In this Program, you have a Rewards Account, which holds, calculates, or collects Rewards. These Rewards can be either Cash Rewards (including Rebates, which you will earn as Cash Rewards) or Rewards Points. Rewards only have cash value when or after you redeem them.

  2. How do we calculate Rewards Points?

    For every $1.00 you spend with this Credit Card for net purchases, you earn 1 Rewards Point. Net purchases are purchases you make minus any returns and/or credits you have. We round the amount to the nearest whole dollar.

    Additional Bonus Points

    You can earn additional bonus Points when you make net purchases directly with the following merchant categories. For these purchases, you earn 2 more bonus Points (for a total of 3 Points) for every $1.00 you spend in net purchases on your Credit Card. We round every transaction to the nearest whole dollar to create your bonus Points:

    • Entertainment
      • Books
      • Music
      • Continuity/subscription services
      • Streaming services considered cable and other pay television
      • Digital goods
      • Movies

      Please note: Entertainment purchases made at the following locations may not earn bonus Points:

      • Streaming services bundled with another product, membership, or service
      • Streaming services that a third party bills, such as a digital platform; a cable, telecommunications, or internet provider; online retailer; or in-vehicle streaming service

      The current list of eligible streaming services and additional details of what services and fees that are included and excluded for bonuses is available at: If your listed streaming service does not use the previously listed VISA® categories, you may not be eligible for bonus Points.

    • Food/Drink Establishments
      • Caterers
      • Drinking places
      • Eating places and restaurants
      • Fast food restaurants

      Please note: Food purchases made at the following locations may not earn bonus Points:

      • Bakeries
      • Grocery stores and other miscellaneous places that serve food or operate restaurants on-site
      • Third-party delivery services
    • Fuel/Charging Stations
      • Automated fuel dispensers
      • Electric vehicle charging stations
      • Gas stations

      Please note: Gas or electric vehicle charging purchases made at the following locations may not earn bonus Points:

      • Auto repair stores
      • Superstores
      • Car washes
      • Warehouse/membership clubs
      • Grocery stores
    • Telecommunication Services
      • Landline and cell phone providers

      Please note: The following telecommunication purchases may not earn bonus Points:

      • Additional phone services, such as insurance or additional data
      • Phones and accessories
      • Phone-plan services that a third party bundles or bills, such as an internet provider or in-vehicle service
    • Transport
      • Ferries
      • Parking lots and garages
      • Limousines
      • Taxis
      • Passenger railway
      • Toll bridges and highways
    • Travel
      • Airlines
      • Hotel/motels
      • Campgrounds
      • Timeshares
      • Cruise lines
      • Travel agencies
      • Discount travel sites
      • Vehicle/auto rentals

    These Points will appear in your Rewards Account and be available for you to use in one to two months after you earn them.

    Purchases that Do Not Earn Additional Bonus Points

    Purchases you make outside of the approved categories do not qualify for bonus Points. However, you will still earn one Point for every $1.00 you spend on net purchases.
    We do not control how a retailer classifies their business to a merchant category. Therefore, we reserve the right to determine which purchases qualify for bonus Points. This includes purchases you make using a third-party payment account, with a mobile/wireless card reader, or through an online marketplace with multiple retailers.

  3. How do you earn or accumulate Rewards Points?

    You can earn unlimited Rewards Points, unless we tell you otherwise. You can do so in a variety of ways, including:

    • Credit Card Purchases
      • At qualifying merchants
      • With other promotions or offers that we provide you
    • Non-Credit Card Activity
      • Gifts
      • Transfers
      • Other similar activity
    • Promotions and Offers

      You may also earn bonus Rewards Points for promotions or offers that you have with your Credit Card Account. We will give you the terms and conditions for earning bonus Rewards Points when your Credit Card has a promotion or offer. A limit may exist on bonus Rewards Points.

  4. Which transactions do not earn Rewards Points?

    The following transactions do not earn Rewards Points for your Account:

    • Cash Advances and Any Kind of Equivalents
      • ATM transactions
      • Cash advances
      • Money orders
      • Pre-paid gift cards
      • Traveler’s checks
      • Wire transfers
    • Balance Transfers
      • Balance transfers
    • Disputes and Illegal Transactions
      • Disputed or illegal purchases
      • Purchases that violate these Terms or Addendum, or Credit Card Account agreement terms
    • Fees and Interest
      Any fees or interest that post to your Credit Card Account, such as:
      • Annual or monthly fees
      • Returned payment fees
      • Late fees
    • Gambling Transactions
      Any gambling transactions you make, including:
      • Bets or wagers made online
      • Casino gaming chips
      • Lottery tickets
      • Off-track wagers
  5. What can reduce or eliminate your Rewards Points?

    You will lose earned Rewards Points if you return a purchase or receive credit from a disputed purchase. As a result, you may create a negative Rewards Points balance, which will appear in your Rewards Account within one to two billing periods. We will calculate this negative balance into your Rewards Balance as you continue to buy items or do other non-credit card activity.

  6. Do Rewards Points expire?
    Rewards Points do not expire while the Credit Card Account is open.
  7. What can you redeem your Rewards for?
    You can redeem your Rewards for a variety of uses, including:
    • Cash redemption
    • Physical and electronic gift cards
    • Charitable donations
    • Travel
    • Merchandise
    • Pay with Rewards (PWR) at PWR Merchants
    • Points Transfer
  8. How can you redeem Rewards Points?
    You can redeem Rewards Points in the following ways:
    • By phone or online
      You can redeem Rewards Points in 2500-point increments. You can request a paper check or automatically apply them to either your:
      • Eligible Wells Fargo Checking or Savings accounts, or
      • Wells Fargo credit products that qualify to receive cash redemptions.
    • As a Points Transfer

      You can redeem Rewards Points in 1-point increment to transfer as miles, points, or credits to participating partner loyalty transfer programs. Points Transfer redemption options are only eligible for Wells Fargo Credit Cards with Points, and you can only redeem them online. One Wells Fargo Rewards Point equals 1 Participating Transfer Partner mile, point, or credit, unless we state otherwise. You must use at least 1 Point for the redemption and transfer.

    • Through a Wells Fargo ATM

      You can redeem Rewards Points in 2000-point increments. You can either withdraw cash or transfer Rewards to an eligible Wells Fargo account. To redeem Rewards Points in this way, you must have a Wells Fargo Debit or ATM card. A maximum limit may exist on the dollar amount of cash redemption rewards you can make each day at a Wells Fargo ATM.

  9. What happens to your Rewards if you pay your Credit Card late?

    Your Credit Card becomes delinquent (late) when you do not pay your required payment by its due date. When this happens, your ability to redeem Rewards will not change. 

  10. Can we change these Terms and the Program?
    Yes. We can change the Terms and change, suspend, or cancel any part of the Program at any time and for any reason. These changes may do any of the following:
    • Prevent you from earning and/or using Rewards
    • Decrease Rewards value
    • Cause you to lose Rewards

    If we materially change your Terms or the Program, we will notify you ahead of time. If we cancel the Program, then you must redeem your Rewards within three months from the date we notify you of this change. After this period, you lose any unredeemed Rewards.

  11. Can we stop you from participating in the Program?
    Yes. We can immediately suspend or cancel your Program, in whole or in part, at any time and for any reason. We will do so if you do any of the following:
    • Violate these Terms or your Credit Card Account terms and conditions
    • Engage in fraud or suspected fraud, or someone associated with your Account does
    • Misuse or game the Program, or take another similar action
    If we suspend or cancel your Program, this action may:
    • Prevent you from earning and/or using Rewards
    • Decrease Rewards value
    • Cause you to lose Rewards
    • Require us to close your Credit Card Account
    NOTICE TO NEW YORK ACCOUNT HOLDERS: Effective December 10, 2023, if the Credit Card tied to Your Rewards Account is closed for any reason (except fraud or misuse), We will issue a check for the cash equivalent value of any available Rewards balance in Your Rewards Account. The check will be made payable to the Rewards Account owner and sent to the New York address on file for Your account. 
  12. Can you cancel your Rewards Points Program?

    Yes. You can cancel your Rewards Points by closing your Credit Card Account. The following conditions apply:

    • If you have closed all your Rewards-eligible Credit Cards: You give up any pending or active Rewards that exist on the date that the Account closes. The only exceptions are what may exist in the Terms.
    • If you have multiple Credit Cards in your Rewards Account and you close one Credit Card: Your Rewards still stay in your Rewards Account.