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How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

What Are Wells Fargo Rewards Worth?

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Content was accurate at the time of publication.
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If you have an eligible Wells Fargo credit card, you can earn Wells Fargo Rewards points, which are typically worth 1 cent each and can be redeemed for a variety of options such as cash back, travel and gift cards.

The Wells Fargo Rewards program offers value for consumers who want simplicity and like to redeem points to cover past purchases, get a check or share with family members. However, for consumers who prefer to optimize their rewards for maximum travel value, this rewards program falls short because you can’t transfer points to travel partners. If that’s your goal, you might prefer a program such as Chase Ultimate Rewards®.

| Disclosures
Wells Fargo Active Cash® Card*
Wells Fargo Active Cash® Card
0% intro APR for 12 months from account opening
19.74%, 24.74%, or 29.74% Variable APR
$0
Earn unlimited 2% cash rewards on purchases
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
660 720 850
Good / Excellent
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The main way to earn Wells Fargo points is through a Wells Fargo credit card.

There’s currently one Wells Fargo credit card available online to new applicants that earns Wells Fargo Rewards: the Wells Fargo Active Cash® Card. Cardholders earn unlimited 2% cash rewards on purchases. Plus, earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Though the Wells Fargo Active Cash® Card is marketed as a cash back credit card, the cash back you earn comes in the form of Wells Fargo Rewards points — which can be redeemed for cash back or other options.

Other credit cards that earn Wells Fargo Rewards, such as the Wells Fargo Propel American Express® card and the Wells Fargo Visa Signature® Card are no longer open for application on Wells Fargo’s website.

Wells Fargo also offers deals you can activate when logged into your credit card account. These allow you to earn extra cash back with a variety of merchants and services, such as Starbucks and Disney+.

You can generally expect each Wells Fargo Rewards point to be worth 1 cent. A popular feature of the Wells Fargo Visa Signature® Card allowed cardholders to redeem points for 50% more value — 1.5 cents each — toward airfare. However, the application for that credit card is no longer available on the issuer’s site.

Unfortunately, unlike its top competitors — American Express, Chase and Capital One — Wells Fargo doesn’t offer any other options to increase your value of your points. There are no redemption bonuses through it’s currently available card, and you cannot transfer points to other loyalty programs. For this reason, Wells Fargo points are less valuable than these programs’ points.

Wells Fargo Rewards points are flexible and offer numerous redemption options, including:

Cash back

Perhaps the easiest way to redeem your Wells Fargo Rewards points for cash back is to cover eligible purchases on your credit card. This option allows you to select one or more recent purchases and get a statement credit for that amount, with just $1 being the minimum redemption.

You can also request a statement credit to your card or a paper check in the mail. Such redemptions can be done in $25 increments. If you have a qualifying Wells Fargo checking account or mortgage, you can redeem your rewards as a credit to that account (you must still make any regularly scheduled payments).

Finally, if you have a Wells Fargo ATM or debit card, you can redeem points for cash in $20 increments.

Travel

You can book travel via the Wells Fargo Rewards website, including flights, hotels, car rentals and more.

Gift cards

You can redeem points for gift cards in $25 increments. Examples of some of the merchants available include Airbnb, Amazon, Apple, CVS, Google Play, Home Depot, Hulu, PetSmart and DoorDash.

Merchandise

You can use points to shop online via the Wells Fargo Rewards website for items including school supplies, electronics and more. In addition, you can set up Pay with Rewards through PayPal, and redeem your credit card rewards to go toward online purchases with participating merchants when checking out with PayPal.

Sharing

A nice feature of the Wells Fargo Rewards program is that you can share your points in a variety of ways.

You can contribute toward a common goal by pooling rewards with family and friends who are also Wells Fargo customers, send rewards as a gift to someone who is a Wells Fargo customer or donate your rewards to charity starting at $25. The option to share rewards might not be as obvious as some of the other options — when you’re on the Wells Fargo Rewards site, you can get there through the following steps:

  1. Hover over “use rewards”
  2. Click on “redemption values”
  3. Tab over to “share rewards”

Wells Fargo Rewards offers consumers much to like. But how does it compare to rewards programs offered by other top credit card issuers? One thing that’s missing from Wells Fargo Rewards is the ability to transfer points to airline and hotel partners. If you’re a frequent traveler who prioritizes getting the best travel deals possible with your credit card rewards, being able to transfer points to partners is a key feature.

Consider the following cards and rewards programs if transferring points is important to you:

American Express® Gold Card

| Disclosures
American Express® Gold Card
American Express® Gold Card
apply-now-icon Apply Now
on American Express's secure site
Rates & Fees
| Terms Apply
N/A
See Pay Over Time APR
$325
Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per
  • Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
  • Get the American Express® Gold Card in either the Gold, Rose Gold or Limited-Edition White Gold metal design. White Gold design is only available while supplies last.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
  • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at Dunkin' locations.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
  • Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Rewards rate: Earn 4X Membership Rewards® Points at Restaurants (on up to $50,000 per calendar year in purchases, then 1X), Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards® points on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards® point on all other eligible purchases. Terms Apply Points can be transferred to most of the issuer’s travel partners at a 1:1 rate.

Welcome offer: Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

Annual fee: $325

To see rates and fees for the American Express® Gold Card please click here.

Capital One Venture Rewards Credit Card

| Disclosures
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
apply-now-icon Apply Now
on Capital One's secure site
Rates & Fees
N/A
19.99% - 29.74% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles per
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Rewards rate: 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel. Capital One miles can be transferred to most of the issuer’s travel partners at a 1:1 rate.

Sign-up bonus: Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.

Annual fee: $95

Chase Sapphire Preferred® Card

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
apply-now-icon Apply Now
on Chase's secure site
N/A
20.99% - 27.99% Variable
$95
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on
  • Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
  • Member FDIC
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Rewards rate: Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. Chase Ultimate Rewards® can be transferred to any of the issuer’s airline and hotel partners at a 1:1 rate.

Sign-up bonus: Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.

Annual fee: $95

Citi Strata Premier Card

| Disclosures
Citi Strata Premier Card
Citi Strata Premier℠ Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
20.74% - 28.74% (Variable)
$95
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases.
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Rewards rate: 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental). Citi ThankYou® Points can be transferred to most of the issuer’s travel partners at a 1:1 rate.

Sign-up bonus: Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

Annual fee: $95

To see rates & fees for American Express cards mentioned on this page, visit the links provided below:

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information related to the Wells Fargo Active Cash® Card, Wells Fargo Propel American Express® card and Wells Fargo Visa Signature® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.