Wells Fargo Rewards® Card

Earn 5x rewards points on gas, grocery, and drugstore net purchases for the first 6 months with the Wells Fargo Rewards Card.

Turn your everyday purchases into valuable rewards.

Earn more from your purchases by earning 5 rewards points for every $1 spent on gas, grocery, and drugstore net purchases (purchases minus returns/credits) for 6 months. And as always, you earn 1 rewards point for every $1 spent on all other net purchases with your credit card.

Choose from over a thousand redemption options such as:

  • Travel with no blackout dates
  • Cash rewards, gift cards, and brand-name merchandise
  • Charitable donations and eco-friendly options
  • VIP experiences and unique online auctions

Annual fee

$0

Annual Percentage Rate (APR) on purchases

0% introductory APR for 12 months on purchases, then 12.15% – 25.99% variable APR. The APR will vary with the market based on the U.S. Prime Rate. (These APRs do not apply to cash advances). See the full terms and conditions.

Annual Percentage Rate (APR) on balance transfers

0% introductory APR for 12 months on balance transfers, then 12.15% – 25.99% variable APR. The APR will vary with the market based on the U.S. Prime Rate. Balance transfer fees apply. When you apply for this card, simply fill in the balance transfer information on the application. See the full terms and conditions.

Read the Wells Fargo Rewards Card Agreement (PDF*).

All Wells Fargo credit cards are subject to credit qualification. Wells Fargo reserves the right to change terms, rates, and fees at its discretion in accordance with the card agreement and applicable law. Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.

How to earn rewards points

Turn everyday purchases into extraordinary rewards when you shop and earn rewards points with the Wells Fargo Rewards Card. You can also earn bonus points at over 3,000 online and in-store retail merchant locations. Visit the Earn More Mall® site to learn about participating merchants nationally and in your local neighborhood.

  • Five rewards points. Earn 5 points for every $1 spent on gas, grocery, and drugstore net purchases (purchases minus returns and credits) for 6 months and 1 rewards point for every $1 spent on all other net purchases with your credit card.

Redeeming your rewards points is easy with so many choices.

  • Whether it’s cash for you, a trip for the family, or a gift for a friend, there are thousands of fun and exciting rewards at your fingertips. Choose from options including cash rewards, gift cards, travel, brand-name merchandise, charitable donations and more.
  • More flexible travel. Redeem for airfare and travel anywhere, anytime. Enjoy fewer air restrictions with no advance booking, no minimum stays, no required Saturday night stays, and no limits on the number of points you can use. Our enhanced travel options allow you to redeem points online for hotels, car rentals, and activities. And, you can choose to redeem rewards points or pay with a Wells Fargo Credit or Debit Card, or a combination of points and a payment card.

Zero Liability program

All Wells Fargo Credit Cards automatically protect you from liability for unauthorized transactions when you report them promptly.

Overdraft Protection

You may link your credit card to your checking account to help avoid overdrafts.

Cellular Telephone Protection

Help protect your cellular telephone from damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Credit Card.

Rapid Alerts

For Visa® customers. Get fast text and email alerts for monitoring spending, tracking purchases, and receiving notifications of irregular or suspicious activity.

Wells Fargo Credit Defense Platinum service

Don’t let unexpected events impact your ability to make your monthly credit card payment.

Visa® payWave

Make purchases faster than ever. No need to swipe your card — simply hold it in front of the reader at checkout.

Verified by Visa ®

Protect your Wells Fargo Visa card with a unique password for online shopping.

Visa benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Card Replacement 
  • Roadside Dispatch
  • Travel Accident Insurance
  • Travel and Emergency Assistance Services

Download the Visa Guide to Benefits (PDF*) to learn more about restrictions and limitations.

Wells Fargo Rewards card questions

How can I earn more points?

Visit the Earn More Mall site at earnmoremall.com to learn about participating merchants nationally and locally with special shopping offers.

What can I get when I redeem my rewards points?

  • Airfare that lets you travel your way anywhere, anytime with fewer restrictions. You can also redeem points online for hotels, car rentals, and activities or call to book a cruise. You have an array of payment options for travel including rewards points, a Wells Fargo Credit or Debit Card or combination of points and a payment card.
  • Cash rewards available as a statement credit or a check. 
  • A wide range of gift cards from your favorite retailers and restaurants.
  • Name-brand merchandise and much more.

How long will it take to receive rewards that I order?

Gift certificates and gift cards are mailed within 7 – 10 business days of your redemption order. All merchandise items are subject to availability and will usually ship within 2 – 6 weeks from the date of the request.

How do I find my rewards program point balance?

You can check your current rewards points balance many ways:

  • Sign on to mywellsfargorewards.com at any time. 
  • Sign on to Wells Fargo Online® or Wells Fargo Mobile Banking. Select your credit card account to review your rewards summary.
  • Check your most recent statement. You will find your point balance in the Program Summary section of your statement.
  • View your rewards balance at any Wells Fargo ATM.
  • Call the Rewards Redemption Center at 1-877-517-1358, 7 days a week from 5 am – 9 pm Pacific Time.

What should I expect after I apply online?

Upon submitting the online application, you will receive the status of your application on the confirmation page and we will send you a confirmation email.

If we are able to provide you an approval, the confirmation page and email will also display your credit limit.

If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status.

How do I use my credit card for Overdraft Protection?

You must have a Wells Fargo checking account and a Wells Fargo Credit Card to use this optional service.

If you don't have a Wells Fargo Credit Card:

If you already have a Wells Fargo Credit Card, but you do not have a Wells Fargo checking account:

  • Apply for a checking account and select the Overdraft Protection box on the application. Subject to credit qualification.
  • If you already have a Wells Fargo checking account, call 1-800-642-4720 to enroll.
See all credit card FAQs

Start earning rewards points with the
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You can also call 1-800-932-6736 or apply in person at a Wells Fargo location near you.

Explore the benefits of Visa Signature®

Qualified customers may be upgraded to the Wells Fargo Visa Signature® Card and receive exceptional benefits, including richer rewards, access to exclusive events and no pre-set spending limits.

See the benefits

Purchases

Credit card charges you make at merchants. Purchases usually have a lower APR than cash advances.

Annual Fee

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

Prime Rate

Most of Wells Fargo's credit cards use the "prime rate" as a base rate (e.g., "prime + 12%"). The prime rate used is taken from the Money Rates column of The Wall Street Journal. The prime rate is merely a base rate used to make loans to certain borrowers. It is not necessarily the lowest or best rate at which loans are made. (The precise manner in which the rate is determined is in our Customer Agreement and Disclosure Statement.)

Cash Advance

You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.

Cardholder Agreement

The Cardholder Agreement details the terms and conditions of your credit card account and includes information such as the rate, fees, and other cost information associated with the account.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.

Credit Limit

Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. If you exceed this amount, an Over-the-Credit-Limit-Fee may be imposed.