Wells Fargo Rewards
Wells Fargo Rewards supports card earning, travel and cash redemption, and eligible transfers; co-branded hotel and travel products retain their named currencies.
Capabilities depend on the earning product, and rewards may be combined only where the governing account rules permit.
The owner, currency, and rules of entry. Administrative essentials, mercifully without the brochure.
- Parent organization
- Wells Fargo Bank, N.A.
- Program currency
- Wells Fargo Rewards points
- Program status
- Active
- Primary market
- United States
- Enrollment eligibility
- Participation requires an eligible issuer product or account under the current program terms.
- Enrollment cost
- No separate program enrollment fee; card and account fees remain product-specific.
- Official program links
- Homepage ↗Program terms ↗
- Last updated
- Aug 7, 2026
A bank may issue the plastic, but the currency still decides what you actually own. Cards are grouped by purpose, partner, and audience—with no points casually reassigned by typography.
Card portfolio
Hotel cards
Choice Privileges
Personal
Choice Privileges Mastercard
Mastercard · Open
- Earns
- Choice Privileges points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 0
Choice Privileges Select Mastercard
Mastercard · Open
- Earns
- Choice Privileges points
- Program relationship
- Earns the named partner currency, not the featured bank currency.
- Annual fee
- USD 95
Travel cards
Personal
Wells Fargo Autograph Card
Visa · Open
- Earns
- Wells Fargo Rewards points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 0
Wells Fargo Autograph Journey Card
Visa · Open
- Earns
- Wells Fargo Rewards points
- Program relationship
- Directly earns the featured program currency.
- Annual fee
- USD 95
Expedia Group
Personal
One Key Card
Mastercard · Open
- Earns
- OneKeyCash
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 0
One Key+ Card
Mastercard · Open
- Earns
- OneKeyCash
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 99
Cash back cards
Personal
Wells Fargo Active Cash Card
Visa · Open
- Earns
- Cash rewards
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 0
Wells Fargo Attune Card
Visa · Open
- Earns
- Cash rewards
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 0
Business
Wells Fargo Signify Business Cash Card
Visa · Open
- Earns
- Cash rewards
- Program relationship
- Part of the issuer portfolio; it does not directly earn the featured program currency.
- Annual fee
- USD 0
The headline rate is only half the story. What counts—and what quietly does not—is where the arithmetic gets interesting.
Hotel cards
Choice Privileges
Personal
Choice Privileges Mastercard
Mastercard · Open
General eligible purchases
1 Choice Privileges point per 1 USD
General eligible purchases
Choice Privileges Select Mastercard
Mastercard · Open
General eligible purchases
1 Choice Privileges point per 1 USD
General eligible purchases
Travel cards
Personal
Wells Fargo Autograph Card
Visa · Open
General eligible purchases
1 Wells Fargo Rewards point per 1 USD
General eligible purchases
Wells Fargo Autograph Journey Card
Visa · Open
Hotels
5 Wells Fargo Rewards points per 1 USD
Eligible purchases from merchants classified as hotels or motels
Airlines
4 Wells Fargo Rewards points per 1 USD
Eligible purchases from merchants classified as airlines or air carriers
Restaurants
3 Wells Fargo Rewards points per 1 USD
Eligible restaurant, drinking-place, fast-food, and catering purchases
Other travel
3 Wells Fargo Rewards points per 1 USD
Eligible timeshare, vehicle-rental, cruise, travel-agency, discount-travel-site, and campground purchases
All other eligible purchases
1 Wells Fargo Rewards point per 1 USD
All other eligible purchases
Expedia Group
Personal
One Key Card
Mastercard · Open
General eligible purchases
1.5 OneKeyCash per 1 USD
General eligible purchases
One Key+ Card
Mastercard · Open
General eligible purchases
2 OneKeyCash per 1 USD
General eligible purchases
Cash back cards
Personal
Wells Fargo Active Cash Card
Visa · Open
General eligible purchases
2 Cash rewards per 1 USD
General eligible purchases
Wells Fargo Attune Card
Visa · Open
General eligible purchases
1 Cash rewards per 1 USD
General eligible purchases
Business
Wells Fargo Signify Business Cash Card
Visa · Open
General eligible purchases
2 Cash rewards per 1 USD
General eligible purchases
How earning works
Eligible spend on a directly participating card
1 Wells Fargo Rewards point per 1 USD
What counts: Eligible purchases on a directly participating product
Does not count: Fees, returns, cash equivalents, and product-specific exclusions
Pricing rules matter more than the word “free,” which is doing heroic work in most loyalty brochures.
Travel cards
Personal
Wells Fargo Autograph Journey Card
Visa · Open
USD 50 annual airline statement credit
Receive a one-time USD 50 statement credit each annual credit period after the first eligible airline purchase of at least USD 50.
Merchant must be classified as an airline or air carrier · Charter and private-jet purchases do not qualify
Ways to redeem
Issuer travel booking
Value and availability depend on the eligible product and booking channel
Search: Official issuer travel or rewards portal
Online: Available
Phone: Limited
Cash or statement credit
Value depends on the currency, product, and selected redemption
Search: Official rewards account
Online: Available
Phone: Limited
The useful question is not whether a partnership exists. It is where you can earn, where you can transfer, and which footnote is waiting to spoil the headline.
Partner directory
Airline transfer partners
Airline programs currently available through the featured currency's governed transfer channel.
- Aer Lingus AerClub
- Air France-KLM Flying Blue
- Avianca LifeMiles
- British Airways Club
- Iberia Club
Hotel transfer partners
Hotel programs currently available through the featured currency's governed transfer channel.
- Choice Privileges