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How much Wells Fargo Rewards points are worth depends on your credit card and your chosen redemption method. For example, if you have the Wells Fargo Visa Signature Card, which is no longer available for new customers, you get 50% more value when redeeming your airfare points.
In most cases, Well Fargo credit card holders may expect to get one cent per point. You will often get better value when you use your points for travel than you would if you redeem them as cash back.
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MoneyGeek’s Takeaways
The value of Wells Fargo Rewards points hovers around the one-cent mark.
Using your points for travel tends to yield the best value.
Only the Bilt Mastercard lets you transfer points to travel partners.
Some of the links on this page will take you to one of our partner's sites, where you can compare and apply for a selected credit card.
How Much Are Wells Fargo Rewards Points Worth?
The value of Wells Fargo Rewards points varies based on how you redeem them. You can expect the best value when you redeem points for airline tickets. However, looking at the corresponding Wells Fargo Rewards redemption chart, you'll notice that the average value of points remains largely the same across most methods.
Value of Wells Fargo Rewards Points Across Different Redemption Methods
Redemption Options | Value per Point |
---|---|
Overall | 1 cent per point |
Cash Back | 1 cent per point |
Statement Credit | 1 cent per point |
Travel | 1 to 1.5 cents per point |
Charitable Donation | 1 cent per point |
Shopping | 1 cent per point |
Gift Cards | 1 cent per point |
Transfer Partners (Only for the Bilt Mastercard) | 1 to 2 cents per point |
The no-annual-fee Autograph Card is a great option for earning Wells Fargo Rewards points. New cardholders earn 20,000 bonus points after spending $1,000 on purchases within the first three months. You get 3X points per dollar when you spend at restaurants and on travel, gas, transit, popular streaming services and phone plans. All other purchases earn 1X points per dollar.
The no-annual-fee Bilt Mastercard is a good alternative. This card is unique because it offers 1X points per dollar on rent payments, up to a maximum of 50,000 per calendar year. You get 3X points per dollar on dining, 2X points per dollar on travel and 1X points per dollar on all other purchases.
Which Credit Cards Earn Wells Fargo Rewards Points?
- Wells Fargo Active Cash® Card
A great no-annual-fee cash back card with a 0% APR offer
- 2% Cash BackRewards Rate
- 19.99%, 24.99%, or 29.99% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
- Wells Fargo Business Platinum Credit Card
A good no-annual-fee business credit card for earning cash back/reward points
- 1.5% Cash BackRewards Rate
- 7.99% + prime – 17.99% + primeAPR
- $0Annual Fee
- Good – ExcellentRecommended Credit
How Wells Fargo Rewards Points Compare to Other Credit Cards
The Wells Fargo Rewards program performs reasonably well when compared with rewards programs run by other credit card issuers, especially for people with particular cards like the Wells Fargo Visa Signature Card and the Bilt Mastercard. In general, redeeming your points for travel gets you the best value.
Remember that your redemption method may affect the value you receive for your Wells Fargo points, as with most other popular credit card rewards programs.
Wells Fargo Points Value vs. Other Cards
Credit Card Issuer | Average Value |
---|---|
Wells Fargo | 1 cent per point (higher with the Bilt Mastercard) |
American Express | 0.5 to 2 cents per point |
Chase | 1 to 1.5 cents per point |
Capital One | 0.5 to 1 cent per mile |
Citi | 0.5 to 1 cent per point |
Bank of America | 0.6 to 1 cent per point |
Discover | 1 cent per mile |
How Much Are Wells Fargo Points Worth for Cash Back
When you redeem your Well Fargo points for cash back, you get a value of one cent per point. This is pretty much as good as it gets when compared to other credit card rewards programs.
Value of Wells Fargo Rewards Points for Cash Back
Credit Card Issuer | Cash Back Value |
---|---|
Wells Fargo | 1 cent per point |
American Express | 0.6 cents per point |
Chase | 1 cent per point |
Capital One | 0.5 cents per mile |
Citi | 0.5 to 1 cent per point (depending on the card you have) |
Bank of America | 0.6 to 1 cent per point |
Discover | 1 cent per mile |
If you’re wondering how to redeem Wells Fargo Rewards points for cash back, you can begin by logging in to your Wells Fargo account. Then, you can redeem your points as a statement credit or credit to an eligible Wells Fargo checking or mortgage account. Remember that these redemptions take place only in increments of $25. You can also redeem your points as cash from ATMs. In this case, redemptions must be in increments of $20.
If you wish to earn cash back, you might benefit from the Wells Fargo Active Cash Card. This card lets you earn 2% cash rewards on all purchases. If you spend $1,000 on purchases within the first three months of card ownership, you will earn a $200 cash rewards bonus. This card has no annual fee and a 0% intro APR offer on purchases and balance transfers.
How Much Are Wells Fargo Points Worth for Gift Cards
When redeemed for gift cards, one Wells Fargo Rewards point's value stands at one cent. This is on par with or better than what you could expect through other credit card rewards programs. Some merchants who've previously offered gift cards through the Wells Fargo Rewards program include Apple, Amazon, Airbnb, Banana Republic, Old Navy, Domino's, Home Depot and Hulu.
Wells Fargo vs. Other Card Issuers: Gift Cards
Credit Card Issuer | Average Value |
---|---|
Wells Fargo | 1 cent per point |
American Express | 0.5 to 1 cent per point |
Chase | 1 cent per point, unless through a promotional offer |
Capital One | 0.5 to 1 cent per mile |
Citi | 1 cent per point, unless on sale |
Discover | Cannot redeem miles for gift cards |
Bank of America | 0.6 to 1 cent per point (depending on the card you have) |
If you wish to use Wells Fargo Rewards points for gift cards, you need to log in to your Wells Fargo account. Under the rewards section, look for the gift cards on offer. Select the ones you want and pay for them using points.
How Much Are Wells Fargo Points Worth for Travel
The Wells Fargo credit card you have affects the value you receive for your points when redeeming them for travel. For example, you may get a value of over 1.1 cents per point through the Wells Fargo Autograph Card. If you have the Wells Fargo Visa Signature Credit Card, you get 50% more value if you redeem your points for flight tickets. Bilt Mastercard holders may expect a value of 1.25 cents per point through the Bilt Travel portal.
Compared with other credit card rewards programs, this is roughly equivalent.
Wells Fargo Points Value vs. Other Cards: Travel
Credit Card Issuer | Average Value |
---|---|
Wells Fargo | 1 to 1.5 cents per point |
American Express | 0.5 to 1 cent per point |
Chase | 1 to 1.5 cents per point (depending on the card you have) |
Capital One | 1 cent per mile |
Citi | 1 cent per point |
Bank of America | 1 cent per point |
Discover | 1 cent per mile |
If you wish to redeem Wells Fargo Rewards points for travel, you can start by logging in to your Wells Fargo account and heading to the rewards section. You can use your points to book airline tickets, car rentals or hotel stays.
The Hotels.com Rewards Visa Credit Card from Wells Fargo is linked to its own rewards program and serves as a good alternative for people who use Hotels.com. This no-annual-fee card gives you two reward nights valued at $250 (maximum $125 per night) if you spend $1,000 on purchases within the first three months.
You get one stamp every time you spend $500 on purchases and for every eligible hotel night booked through Hotels.com. Ten stamps translate to one free award night. Other benefits of this travel credit card include no foreign transaction fees, Hotels.com Rewards Silver membership status and trip cancellation and interruption protection.
How Much Are Wells Fargo Points Worth for Transfer Partners
You get to transfer Wells Fargo Rewards points, but only if you have the Bilt Mastercard. In this case, you may expect a value of one to two cents per point and even more in some instances. Wells Fargo does not allow its other cardholders to transfer points to airline or hotel loyalty programs.
Wells Fargo Points Value vs. Other Cards: Transfer Partners
Credit Card Issuer | Average Value |
---|---|
Wells Fargo (Only for the Bilt Mastercard) | 1 to 2 cents per point |
American Express | 1 to 2 cents per point |
Chase | 1 to 2 cents per point |
Capital One | 1 to 2 cents per mile |
Citi | 1 to 2 cents per point |
Bank of America | Does not have transfer partners |
Discover | Does not have transfer partners |
If you have the Bilt Mastercard, you may transfer your points to its transfer partners by logging in to the Bilt Rewards platform. Then, you may transfer your points to partners like American Airlines AAdvantage, Air Canada Aeroplan, Hawaiian Airlines HawaiianMiles, Virgin Atlantic Flying Club, World of Hyatt or IHG One Rewards. All transfers take place at a 1:1 ratio.
How Much Are Wells Fargo Points Worth for Shopping
When you use your Wells Fargo points for shopping, you may expect to get a value of one cent per point. However, you might get better value through certain merchants and promotional offers. This is on par with, if not better than, the value you may expect from your points/miles through other credit card rewards programs.
Wells Fargo Points Value vs. Other Cards: Shopping
Credit Card Issuer | Average Value |
---|---|
Wells Fargo | 1 cent per point |
American Express | 0.5 to 1 cent per point |
Chase | 0.8 to 1 cent per point |
Capital One | 0.8 to 1 cent per mile |
Citi | 0.8 cents per point |
Discover | 1 cent per mile |
You get two ways to use your Wells Fargo Rewards points for shopping. One is by logging into your Wells Fargo account and shopping for merchandise through partner merchants. The other is by using the Pay with Rewards (PWR) feature, which allows you to use your points for making purchases directly with partner merchants.
How to Earn More Points From Wells Fargo
One simple way to earn a significant number of Wells Fargo Rewards points is by getting a credit card with a spend-based welcome bonus. For example, the Wells Fargo Autograph Card gives you 20,000 bonus points if you spend $1,000 on purchases within the first three months.
Getting additional cards for authorized users allows you to accumulate points faster. However, you will remain liable for all purchases your card's authorized users make. Earning bonus points through the Wells Fargo Earn More Mall is also possible.
Bear in mind that while the Hotels.com Rewards Visa Credit Card is also a rewards card, you cannot use its stamps at the Earn More Mall. In addition, you may redeem the points you earn through the Bilt Mastercard only through the Bilt app.
Wells Fargo Rewards aren’t the most user-friendly rewards as they are limited in how they can be used. However, if you’re looking for simplicity in your rewards-earning journey, Wells Fargo offers credit cards that pack real value. But if you want to have a card where you can transfer rewards to airline and hotel loyalty programs, you may consider a different card issuer like Chase or American Express.
— Brett Holzhauer, contributing expert for MoneyGeek
Earn Points Through Wells Fargo Partner Merchants
One of the many Wells Fargo Rewards benefits is that you may earn more points by shopping with partner merchants that are part of the Earn More Mall. Using this platform to make online purchases allows you to earn bonus points on products across various categories.
You may also earn bonus points by making online, in-store and over-the-phone purchases through merchants featured on the Earn More Mall. The points you earn may vary from one merchant to the next. In some cases, you might need to activate offers before you can use them.
Buying Points From Wells Fargo
Wells Fargo doesn’t sell rewards points. You can only earn rewards points by using a Wells Fargo credit card.
About Wells Fargo Rewards
The Wells Fargo Rewards program allows credit card holders to capitalize on their spending. While some of the cards that offer points are no longer available for new customers, you still have a few options from which to choose. Depending on the card you select, you might be able to earn bonus points through category-based spending. The fact that you get multiple ways to redeem your Wells Fargo points for rewards is a definite plus.
The Wells Fargo Active Cash Card keeps rewards earning simple by offering flat 2% cash rewards on all purchases. The Bilt Mastercard, on the other hand, lets you earn rewards points on rent payments. It also enables you to transfer your points to various airline and hotel transfer partners. Unfortunately, this feature is missing from other Wells Fargo rewards credit cards.
Overall, the Wells Fargo Rewards program provides decent value compared with other credit card rewards programs.
How We Determined the Value of Wells Fargo Rewards Points
MoneyGeek experts have taken a close look at how the value of Wells Fargo Rewards points changes based on different redemption methods. They have also carried out in-depth market research to determine the worth of your points, including for travel purchases or through point transfer partners (for the Bilt Mastercard).
Other Questions You May Have About Travel Cards
We’ve answered common questions about the Wells Fargo membership program and how the value of your points may change based on different redemption methods to help you better understand how to use your points.
Compare & Review Wells Fargo Credit Cards: Miles & Points
About Rajiv Baniwal

sources
- Wells Fargo. "Wells Fargo Rewards." Accessed November 15, 2022.
- Bilt. "Bilt Rewards Travel." Accessed November 16, 2022.
- Wells Fargo. "Pay with Rewards Feature Terms and Conditions." Accessed November 16, 2022.
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