Rewards Programs

A guide to the Wells Fargo Go Far® Rewards program

How to earn Go Far Rewards and maximize their value


Though they get less press than other programs, Go Far Rewards offer solid redemption value and good redemption options — our guide explains how to make the most of Wells Fargo rewards.

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Every time you make a purchase using your eligible Wells Fargo credit card, you’ll earn Go Far Rewards points. Though they get less press than their Chase, Citi and Bank of America counterparts, Go Far® Rewards offer solid redemption value and good redemption options.

All the rewards you earn with a Wells Fargo credit card, be it a cash back card or points card, are issued as Go Far Rewards. Your actual redemption options will depend on the card type.

Continue on for all the info you need to maximize the rewards on your Wells Fargo card.

Which credit cards earn Wells Fargo Go Far Rewards?

The following credit cards from Wells Fargo earn its signature Go Far Rewards points. Consider their earn rates and bonus categories when building your personal credit card profile.

Wells Fargo Propel American Express® card

Use the Propel to earn 3X points on dining, travel, gas stations and popular streaming services, plus 1X points on other purchases. The card offers 20,000 bonus points after you spend $1,000 on purchases in the first three months and it has no annual fee.

Wells Fargo Cash Wise Visa® card

You’ll earn unlimited 1.5 percent cash back on purchases and a $150 intro bonus after spending $500 on purchases in the first three months, plus no annual fee. Rewards appear in your account as Go Far Rewards points, which you’ll only be able to redeem for cash.

Wells Fargo Visa Signature® Card*

Earn 5X points on up to $12,500 spent on gas, grocery, and drugstore purchases for the first six months and 1X points on other purchases. You’ll pay no annual fee and points will take on 50 percent more value when redeemed for airfare.

Wells Fargo Rewards® Card*

Nearly the same card as the Wells Fargo Visa Signature, the Wells Fargo Rewards Card also earns 5X points on up to $12,500 spent on gas, grocery, and drugstore purchases for the first six months and 1X points on other purchases. Like the Visa Signature, there’s no annual fee. However, this card doesn’t offer a value boost to points, and it may have a higher regular APR than the Visa Signature.

Wells Fargo Cash Back CollegeSM Card*

This student credit card earns 3 percent cash back rewards on gas, grocery, and drugstore purchases for the first six months, plus 1 percent cash back rewards on virtually all other purchases and no annual fee. Rewards come as Go Far Rewards points and are only redeemable for cash.

Premium rewards without an annual fee

Wells Fargo Propel American Express® card

Wells Fargo Propel card

Why should you get it?

With a 3X rewards rate on major categories, including restaurants, gas and travel, the Wells Fargo Propel card is more rewarding than your average no-annual-fee card.

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More things to know:

  • 20,000 points if you spend $1,000 on purchases in first 3 months
  • 3X points for eating out and ordering in
  • 3X points for gas stations, rideshares and transit
  • 3X points for travel including flights, hotels, homestays and car rentals
  • 1X points on other purchases
  • $0 annual fee

How much are Wells Fargo points worth?

  • 1 cent per point for most redemptions.
  • 1.5 cents per point if you have the Wells Fargo Visa Signature and redeem for airfare.
  • 1.75 cents per point if you have the Wells Fargo Visa Signature, redeem for airfare and spend at least $50,000 on purchases in a year.

Let’s break down those point valuations by card:

  • Wells Fargo Propel Amex – The 20,000-point intro bonus is worth $200. To capture it, you’ll have to spend $1,000 total in the first three months, earning another 1,000 points at a minimum in the process. That’s at least $210 in rewards.
  • Wells Fargo Visa Signature – Let’s say you get this card to take advantage of the special 5X bonus categories during the first six months. If you max out the bonus categories, you’ll spend $12,500 and have earned 62,500 points after six months. Those points are worth 1.5 cents apiece, totaling $937.50 toward airfare. If you spend an additional $37,500 on purchases within a year ($50,000 total), you’ll earn 1X on those purchases for a grand total of 100,000 points. Those points are now worth 1.75 cents apiece and $1,750 in total toward airfare.
  • Wells Fargo Rewards Card – Max out the 5X bonus categories during the first six months to earn 62,500 points. No matter how you redeem them, they’re worth $625.

How to earn Wells Fargo points

If you’re familiar with rewards programs, you’re aware that many airlines, hotels and credit card issuers form partnerships with third parties to give customers more chances to earn points. There are airline dining programs, rideshare tie-ins and rental car partnerships, to name a few.

Unfortunately there are really only two ways to earn Wells Fargo Go Far Rewards:

  1. Use your eligible Wells Fargo credit card. Take advantage of your card’s bonus categories if you can and put as much of your budget on credit as possible to maximize what you earn. Purchases on gas, groceries, travel and most everything in between will earn points.
  2. Shop through the Earn More Mall® site. Wells Fargo’s online shopping portal will earn you 2X to 10X points on purchases. Before buying anything online elsewhere, look for it here first.

How do Go Far Rewards compare to the competition?

Go Far Rewards are in a unique space, as they’re not transferable like Chase Ultimate Rewards or American Express Membership Rewards. Since transferring points to an airline’s loyalty program is often the best way to increase their value, Go Far Rewards are at a disadvantage. You do have the opportunity to boost their value to 1.75 cents apiece, but unless you’re willing to spend $50k in a year while only earning 1X points on most of your purchases, you’ll get 1.5 cents per point of value, max.

Pitting Wells Fargo and Bank of America against each other is a fairer comparison. Like Wells Fargo, Bank of America offers a few different rewards cards, including the no-annual-fee Bank of America® Travel Rewards credit card. Like Wells Fargo, Bank of America gives you the chance to increase the value of your points, but the terms are different. By qualifying for a Preferred Rewards Bank of America account, you may earn as much as 25-75 percent bonus on every purchase.

Although Go Far Rewards generally have a fixed value, Wells Fargo encourages loyalty with some unique features and experiences. When shopping at the Earn More Mall, you can add items to a wish list and be notified when you’ve saved enough points for a redemption. There’s also a Go Far Rewards online auction featuring merchandise you can bid on using points.

On a card-specific level, the Wells Fargo Propel card earns more points in more categories than nearly any other no-annual-fee card. If you’re loyal to Wells Fargo or intent on sticking with one or two cards in your wallet, it’s hard to argue against the long-term value of Propel. On the other hand, the value of the two remaining Wells Fargo points cards is fantastic in the first six months and very poor thereafter.

In short, the value of Go Far Rewards is solid but flexibility is a concern.

Redemption options

Redeem your Go Far Rewards for cash back, a statement credit or travel for the best value. You can count on your points being worth at least 1 cent apiece by doing so, though there are other options if convenience is a higher priority.

  • Cash back. Request a check in the mail or have your rewards deposited into an eligible Wells Fargo account in increments of $25 (2,500 points). You can also withdraw earnings from a Wells Fargo ATM in increments of $20 (2,000 points).
  • Statement credit. Redeem your earnings in increments of $25 (2,500 points) by applying them directly to your credit card balance.
  • Travel. Book flights, hotels, rental cars and more through the Go Far Rewards travel site.
  • Gift cards. Purchase digital or physical gift cards by redeeming points for 1 cent each.
  • Merchandise. Enter the Go Far Rewards online auction to bid on merchandise using your points. You can also purchase items through the Earn More Mall.
  • Digital downloads. Purchase music, e-books and more using your points. Be aware that prices vary and it’s likely you’ll get less than 1 cent of value per point this way.
  • Send a gift. You can send anyone with any type of Wells Fargo account a gift of cash using your points. If they have a card that earns Go Far Rewards, you can transfer points directly to them in increments of 2,500.

How to set up your account and redeem Wells Fargo points

Wells Fargo makes it very easy to set up an account and redeem points. Visit the Wells Fargo site and log in to “Account Summary,” where you’ll find your cards and rewards totals.

You can also go to and sign on. There, you’ll see four menu options:

  1. My Rewards
  2. Earn
  3. Use
  4. Share

From there, it’s easy to manage all aspects of your account. A nice perk of the program is that if you have multiple cards that earn Go Far Rewards, all points will automatically be combined. If you have the Visa Signature, this means that even points earned with the Propel will be worth 1.5 cents apiece when redeemed for airfare.

Additionally, you have the ability to set up recurring cash back or statement credit redemptions. They’ll happen automatically when you’ve accumulated enough Go Far Rewards in the amount of your choosing in increments of $25.

The bottom line on Go Far Rewards

If you’re opposed to paying an annual fee for a rewards card, you could do worse than investing in Go Far Rewards. The Propel and Visa Signature cards in particular offer high-earning potential as a duo. Although the Go Far Rewards program can’t compete with the transfer options that some of its competitors offer, it’s nice to know that you can get a solid 1.5 cents/point valuation with minimal effort.

Also, the ability to gift points  is fairly unique in the loyalty program landscape. While some airline and hotel programs allow point pooling, credit card rewards programs, including Chase Ultimate Rewards and American Express Membership Rewards, generally do not.

If you’re considering a long-term credit card rewards strategy that offers flexibility and minimal maintenance, you’ll likely be happy with the travel redemptions offered by Wells Fargo.

*All information about the Wells Fargo Cash Back College Card, the Wells Fargo Rewards Card and the Wells Fargo Visa Signature card has been collected independently by The issuer did not provide the content, nor is it responsible for its accuracy.

Related stories: Booking a trip through Wells Fargo Go Far RewardsWhy the Wells Fargo Propel American Express® Card may be the best no-annual-fee travel card yet

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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