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Wells Fargo Propel 365 American Express® Card Terms and Conditions

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Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Propel 365 American Express® Card

Effective: February 2017

  1. "You", "Your", or "Customer" means, as applicable, each person who is the owner of an Earning Mechanism and a participant in the Wells Fargo Rewards Program, also known as Go Far®Rewards, ("Program") through that Earning Mechanism as indicated in our records. "Wells Fargo", "We", "Us", or "Our" shall mean Wells Fargo Bank, N.A. This Program is not available for products, promotions or offers unless specifically allowed.

  2. The Program may encompass multiple products, or promotions, or offers (collectively and each an "Earning Mechanism(s)"). Each Earning Mechanism will also have terms and conditions which addresses Rewards earn and forfeiture and may address Program fees, Rewards expiration, and annual earnings maximums ("Addendum(s)") that will supplement the Program Terms and Conditions. The Program Terms and Conditions and Addendum(s), as well as any additional terms and conditions that are referenced in the Program Terms and Conditions, represent the complete terms of the Program (collectively "Terms"). You also acknowledge that You will be required to consent to certain agreements for online functionality. You agree to the Terms by participating in the Program.
  3. An Earning Mechanism will earn "Points", "Cash Rewards" or "Rebates" (collectively and each "Rewards"). A Wells Fargo Rewards Program account ("Rewards Account") will be automatically opened for You. A Rewards Account holds, calculates and accumulates Rewards, and will have at least one Earning Mechanism assigned to it unless it is designated as a Rewards Pool. The Rewards earned by a Rebate Earning Mechanism will display as "Cash Rewards" in Your Rewards Account. You can earn Rewards in a variety of ways, including purchases made with an Earning Mechanism at qualifying merchants or in connection with other promotions or offers. Any such promotions or offers may have specific terms and conditions that will be disclosed at the time of the promotion or offer. You can also earn Rewards at the Rewards Account level which means that You have the ability to earn Rewards through the Earn More Mall site or earn Rewards that are not based on any Earning Mechanism activity such as with Rewards transfers or gifts.
  4. You will earn one Point for every $1 in Net Purchases (purchases minus returns/credits) made on this credit card account, rounded to the nearest whole dollar. For purchases made at gas stations located in the United States (whose merchant category for American Express is classified in the following categories: gas stations or automated fuel dispensers), You will earn two bonus Points (for a total of three Points) for every $1 spent in Net Purchases made on Your credit card account, rounded to the nearest whole dollar. Gas purchases at warehouse/membership clubs, grocery stores, car washes, auto repair stores and superstores that sell gasoline may not be coded as gas stations or automated fuel dispensers. For purchases made at restaurants located in the United States (whose merchant category for American Express is classified in the following categories: eating places and restaurants, drinking places, or fast food restaurants), You will earn one bonus Point (for a total of two Points) for every $1 spent in Net Purchases made on Your credit card account, rounded to the nearest whole dollar. Caterers, bakeries, grocery stores and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants. Purchases made at retailers that do not process transactions using these categories for American Express will not qualify for bonus Points, i.e., You will only earn one Point on such Net Purchases. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus Points. You may not earn bonus Points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if You use a mobile or digital wallet. These bonus Points earned at qualifying merchants will appear on Your credit card account statement 1-2 billing periods from the date the transaction occurred. Returns or credits applied to Your credit card account, such as returned or disputed purchases, may reduce or eliminate Points already earned. They may also cause a negative Points balance. Deducted Points will post within 1-2 billing periods.
  5. Relationship Bonus:

    1. If You own a Wells Fargo consumer Checking or Savings account (not including time accounts (CDs) or health savings accounts) (each a “qualifying deposit account”),You will earn a bonus of 10%, 25% or 50% on Points earned on Net Purchases made on Your credit card account as set forth in 5(c) below (each a “Relationship Bonus”).
    2. You cannot earn a Relationship Bonus on Points that are earned as either bonus Points or as promotional Points.
    3. Your Relationship Bonus percentage will be calculated based upon the type of qualifying deposit account You own.  If You own more than one qualifying deposit account, You will earn the most favorable percentage You qualify for at the time the Relationship Bonus is calculated.  You cannot earn more than one Relationship Bonus at any time.

      • If You own a Wells Fargo consumer Checking or Savings account (not including time accounts (CDs) or health savings accounts), You will earn a 10% Relationship Bonus.
      • If You own the primary checking account within a Portfolio by Wells Fargo® program, You will earn a 25% Relationship Bonus. If the statement-ending qualifying relationship balance in the Portfolio by Wells Fargo® program is $250,000 or more, You will instead earn a 50% Relationship Bonus.
      • If You are a customer designated as being in the Wells Fargo Private Bank, You will earn a 50% Relationship Bonus.

    4. A Relationship Bonus is calculated each month based on whether You own a qualifying deposit account at the previous month's end. Calculation is made at the time the credit card account transactions are posted. A Relationship Bonus is calculated monthly and will show on Your Rewards Account as Pending until it is posted.  The Relationship Bonus, which will be in the form of rewards Points, will be posted to Your Rewards Account the 13th month after the date Your credit card account was opened and annually on this date thereafter as long as You maintain Your qualifying deposit account.
      Following are two examples of how the Relationship Bonus is calculated:

      • If You own a Wells Fargo checking account (earning a 10% Relationship Bonus) at the end of January and You make $1,000 in Net Purchases in February in the following categories:  $100 at gas stations, $100 at restaurants and $800 combined in other categories, You will earn 1,000 non-bonus Points, 100 Relationship Bonus Points, 200 bonus Points for gas station purchases, and 100 bonus Points for restaurant purchases, giving You a total of 1,400 Points earned for February.  The 100 Relationship Bonus Points will remain in Pending status and will post annually while other bonus Points will post monthly.
      • If You own the primary checking account within a Portfolio by Wells Fargo® program with a qualifying relationship balance of $250,000 or more as of end of January, You will earn a 50% Relationship Bonus on February Net Purchases. If Your qualifying relationship balance drops to below $250,000 as of end of February, You will earn 25% on Your March Net Purchases.

    5. If You have any questions regarding the type of account or package You own, please contact Your banker or call the number on Your statement.
  6. Point accrual will begin upon credit card account open date. No points will be awarded retroactively.
  7. The following purchases/transactions do not earn Points: ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and pre-paid gift cards, or wire transfers. Fees or interest posted to Your credit card account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn Points.
  8. Amounts currently in dispute and purchases made in violation of law or the terms governing Your credit card account will not earn Points.
  9. There is no limit to the Points You may earn unless stated otherwise at the time a specific promotion or offer is made.
  10. Points associated with this credit card will not expire as long as this credit card account remains open.
  11. We reserve the right to change the Terms or to change, suspend or terminate the Program, in whole or in part, at any time and for any reason, which may result in the cancellation of the ability to earn and/or redeem Rewards, the decrease of Rewards value, and/or the forfeiture of Rewards. In addition, We reserve the right to immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason, including but not limited to, violation of Earning Mechanism terms and conditions or the Terms, or if You or others have engaged in either suspected fraud or fraud, or misused the Program, as determined by Us in Our sole discretion. Your suspension or termination from the Program may result in the cancellation of the ability to earn and/or redeem Rewards, the decrease of Rewards value, and/or the forfeiture of Rewards. If Wells Fargo decides to cancel the Program, in its entirety, You will have three months from the date of the cancellation notification to redeem Your Rewards. Any unredeemed Rewards remaining after the three month period will be forfeited. We will give You advance written notice of material changes to the Terms or the Program. You can find the most current Program Terms and Conditions at MyWellsFargoRewards.com or by calling rewards customer service at 1-877-517-1358.
  12. If Your credit card account becomes delinquent (You fail to make a required payment when due) the Points associated with Your credit card account will not be available for redemption, transfer or gifting. Any Points that have not yet posted to Your Rewards Account will remain in a "Rewards Pending" status and any posted Points will move to a "Rewards Held" status, until Your credit card returns to current status or is closed. Points that have posted to Your Rewards Account that are associated with other Earning Mechanisms will remain available for redemption, transfer and gifting.
  13. Points may be redeemed for merchandise, physical and electronic gift cards, travel, cash, digital rewards, and charitable donations. Cash redemption options by phone or online are redeemable in 2500 Point increments only and can be done either by automatically applying it to Your Wells Fargo Checking or Savings accounts, or Wells Fargo credit products that are qualified to receive cash redemptions, or by requesting a paper check. Cash redemptions via a withdrawal from a Wells Fargo ATM or a Rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in 2000 Point increments only. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM.
  14. For airline ticket redemptions, the number of Points required to be redeemed is equivalent to the ticket cost divided by .01, rounded up to the nearest whole Point.
  15. There is no per airline ticket processing fee associated with this credit card.
  16. The Program cannot be removed without the closure of the existing credit card account. If Your credit card is closed for any reason, the Points associated with the credit card will be forfeited on the date of closure. Any Pending Points associated with the credit card will also be forfeited.
  17. These Terms are only a summary. Other restrictions and requirements apply. The full Wells Fargo Rewards®Program Terms and Conditions and Addendum to the Wells Fargo Rewards®Program Terms and Conditions for the Wells Fargo Propel 365 American Express® Card will be provided upon enrollment.  You can also find the most current Wells Fargo Rewards® Program Terms and Conditions online at MyWellsFargoRewards.com