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Wells Fargo Cash Back Visa® and Cash Back Signature® Card Reward Summaries

Wells Fargo Cash Back Visa® Card Rewards Summary

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 Cash Back Visa Signature® Card

Effective: April 2016

  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 FarTM 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 a one percent (1%) Cash Reward for every one dollar ($1.00) in Net Purchases (purchases minus returns/credits) made on this credit card account rounded to the nearest one cent ($.01). Returns or credits applied to Your credit card account, such as returned or disputed purchases, may reduce or eliminate Cash Rewards already earned.  They may also cause a negative Cash Rewards balance.  Deducted Cash Rewards will post within 1 – 2 billing periods.
  5. Cash Reward accrual will begin upon credit card account open date. No Cash Rewards will be awarded retroactively.
  6. The following purchases/transactions do not earn Cash Rewards: ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet. 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 Cash Rewards.
  7. Amounts currently in dispute and purchases made in violation of law or the terms governing Your credit card account will not earn Cash Rewards.
  8. There is no limit to the Cash Rewards You may earn unless stated otherwise at the time a specific promotion or offer is made.
  9. Cash Rewards associated with this credit card will not expire as long as this credit card account remains open.
  10. 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.
  11. If Your credit card account becomes delinquent (You fail to make a required payment when due), the Cash Rewards associated with Your credit card account will not be available for redemption, transfer or gifting. Any Cash Rewards that have not yet posted to Your Rewards Account will remain in a “Rewards Pending” status and any posted Cash Rewards will move to a “Rewards Held” status, until Your credit card returns to current status or is closed. Cash Rewards that have posted to Your Rewards Account that are associated with other Earning Mechanisms will remain available for redemption, transfer and gifting.
  12. Cash Rewards 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 $25 Cash Reward 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 $20 Cash Reward increments only. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM.
  13. The Program cannot be removed without the closure of the existing credit card account. If Your credit card is closed for any reason, the Cash Rewards associated with the credit card will be forfeited on the date of closure. Any Pending Cash Rewards associated with the credit card will also be forfeited.
  14. 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 Cash Back Visa Signature® Card will be provided upon enrollment.  You can also find the most current Wells Fargo Rewards® Program Terms and Conditions online at MyWellsFargoRewards.com.

Wells Fargo Cash Back Visa® Signature Cards Rewards Summary

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 Cash BackSM Card

Effective: April 2016

  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 FarTM 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 a one percent (1%) Cash Reward for every one dollar ($1.00) in net purchases (purchases minus returns/credits) made on this credit card account rounded to the nearest one cent ($.01). Returns or credits applied to Your credit card account, such as returned or disputed purchases, may reduce or eliminate Cash Rewards already earned. They may also cause a negative Cash Rewards balance. Deducted Cash Rewards will post within 1 - 2 billing periods.
  5. Cash Reward accrual will begin upon credit card account open date. No Cash Rewards will be awarded retroactively.
  6. The following purchases/transactions do not earn Cash Rewards: ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet. 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 Cash Rewards.
  7. Amounts currently in dispute and purchases made in violation of law or the terms governing Your credit card account will not earn Cash Rewards.
  8. There is no limit to the Cash Rewards You may earn unless stated otherwise at the time a specific promotion or offer is made.
  9. Cash Rewards associated with this credit card will not expire as long as this credit card account remains open.
  10. 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.
  11. If Your credit card account becomes delinquent (You fail to make a required payment when due), the Cash Rewards associated with Your credit card account will not be available for redemption, transfer or gifting. Any Cash Rewards that have not yet posted to Your Rewards Account will remain in a “Rewards Pending” status and any posted Cash Rewards will move to a “Rewards Held” status, until Your credit card returns to current status or is closed. Cash Rewards that have posted to Your Rewards Account that are associated with other Earning Mechanisms will remain available for redemption, transfer and gifting.
  12. Cash Rewards 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 $25 Cash Reward 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 $20 Cash Reward increments only. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM.
  13. You can cancel participation of Your credit card in the Program at any time by calling Us at the number listed on the back of Your credit card. Your credit card Program cancellation does not cancel Your credit card account, or change the terms and conditions of Your credit card account. If You cancel participation of Your credit card in the Program, Cash Rewards associated with this credit card will be forfeited on the date of cancellation. In addition, if Your credit card is closed for any reason, the Cash Rewards associated with the credit card will be forfeited on the date of closure. Any Pending Cash Rewards associated with the credit card will also be forfeited.
  14. 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 Cash BackSM Card will be provided upon enrollment. You can also find the most current Wells Fargo Rewards® Program Terms and Conditions online at MyWellsFargoRewards.com.
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