Status: checked against official sources; automated independent review
GUIDE
How to find Wells Fargo Rewards transfer partners
Wells Fargo Rewards is the points programme that sits behind the Wells Fargo Autograph® Card and the Wells Fargo Autograph Journey® Card, where points are earned on net purchases under rules set out in the Summary of the Wells Fargo Rewards Program Terms and Conditions. [4] The two Autograph cards earn at different rates: the Journey version pays 5 points per $1 at hotels and 4 points per $1 with airlines, while the standard Autograph® Card pays 3 points per $1 in everyday categories such as restaurants, travel, gas stations and transit. [4]
Facts checked: 18 October 2026
Key takeaways
- Wells Fargo Rewards points are earned on the Autograph® Card and Autograph Journey® Card, while the Active Cash® Card earns cash rewards and its terms also point to the same Wells Fargo Rewards programme rules. [4]
- The Autograph Journey Card pays 5 points per $1 at hotels, 4 points per $1 with airlines and 3 points per $1 on other travel and restaurants, with 1 point per $1 on everything else. [4]
- One Key®, One Key+™, Choice Privileges® and Signify Business Cash® rewards are earned under their own programme agreements rather than as Wells Fargo Rewards points. [4]
Which cards earn Wells Fargo Rewards points?
Wells Fargo lists nine credit cards on its card site — eight consumer cards plus the Signify Business Cash business card — and classes eight of them as rewards cards, and each product carries its own eligibility requirements. [4] Three of those products are the ones whose terms refer to Wells Fargo Rewards points or cash rewards. [4]
| Card | Annual fee | Rewards earned | Earning rates |
|---|---|---|---|
| Wells Fargo Autograph Journey® Card | $95 | Points | 5X hotels, 4X airlines, 3X other travel and restaurants, 1X other purchases [4] |
| Wells Fargo Autograph® Card | $0 | Points | 3X restaurants, travel, gas stations, transit, streaming services and phone plans, 1X other purchases [4] |
| Wells Fargo Active Cash® Card | $0 | Cash rewards | Unlimited 2% cash rewards on purchases [4] |
The Autograph Journey Card also carries a $50 annual statement credit that applies to the first airline purchase of at least $50 each year. [4]
How are the points earned and when do they appear?
Points are earned on net purchases, which Wells Fargo defines as purchases minus returns and credits. [4] On the Autograph Journey Card the bonus categories follow the retailer's merchant category code: hotels and motels earn 5 points per $1, airlines and air carriers 4 points per $1, restaurants and other travel 3 points per $1, and all other purchases 1 point per $1. [4] Other travel in that structure covers timeshare, vehicle rental, cruise lines, travel agencies, discount travel sites and campgrounds. [4]
On the Autograph Card the 3 points per $1 rate applies to travel, transit, gas stations, dining, phone plans and a published list of streaming services, with 1 point per $1 on other net purchases. [4] Cash advances and cash equivalents of any kind do not earn points on either card. [4] Points earned through an introductory offer show as redeemable within 60 days after they are earned. [4]
Which Wells Fargo cards sit outside the programme?
Some Wells Fargo cards earn rewards that are governed by separate agreements. [4] The One Key® Card and One Key+™ Card earn OneKeyCash, which is not redeemable for cash and can only be used on Expedia, Hotels.com and Vrbo. [4] The Choice Privileges® Mastercard® and Choice Privileges® Select Mastercard® earn Choice Privileges points, and the Choice Privileges programme carries additional limits and restrictions of its own. [4] The Signify Business Cash® Card earns cash rewards for business purchases under the Wells Fargo Business Rewards programme terms. [4]
Limits and exclusions
- Bonus categories on the Autograph cards are assigned by merchant category code, and purchases that a retailer bills under a different code fall outside the listed categories. [4]
- On the Choice Privileges cards, Wells Fargo states that it does not control how a retailer classifies its business and reserves the right to determine which purchases qualify for bonus points, and that purchases through third-party payment accounts, at online marketplaces, with mobile or wireless card readers, or through a mobile or digital wallet may not earn bonus points. [4]
- For the Autograph Journey airline credit, airline purchases are those billed by retailers coded as airlines and air carriers; charter flights and private jet flights are excluded. [4] The credit shows within 60 days after it is earned, and after the first year the 12-month credit period begins on the first day of the month after the annual fee is assessed and renews every 12 months. [4]
- Introductory bonus points become redeemable within 60 days after they are earned, so a new cardholder may wait before the full balance can be used. [4]
- The Choice Privileges Select Mastercard carries a $95 annual fee and the One Key+ Card a $99 annual fee, while the Autograph, Active Cash, One Key and Choice Privileges Mastercard each list a $0 annual fee. [4]
Frequently asked questions
Do all Wells Fargo cards earn Wells Fargo Rewards points?
No. Wells Fargo Rewards points are earned on the Autograph® and Autograph Journey® cards, whereas One Key and One Key+ earn OneKeyCash, the Choice Privileges cards earn Choice Privileges points and the Signify Business Cash Card earns cash rewards. [4]
Where are the rules for using Wells Fargo Rewards points set out?
The card terms refer cardholders to the Summary of the Wells Fargo Rewards® Program Terms and Conditions, alongside each card's own addendum, for details of the rewards programme. [4]
How quickly do bonus points become redeemable?
Points from an introductory offer show as redeemable within 60 days after they are earned. [4]
Do cash advances earn points on the Autograph cards?
No. Cash advances and cash equivalents of any kind do not earn points. [4]
What does the Autograph Journey Card pay at hotels and airlines?
It pays 5 points per $1 on net purchases with retailers coded as hotel or motel and 4 points per $1 with airlines and air carriers. [4]
Sources
Sources accessed on 18 October 2026. Airline and hotel loyalty programmes are not covered here; see the transfer ratios comparison for other issuers.
- Wells Fargo credit cards: card range, rewards and footnotes, checked 18 October 2026