#7 Among Transferable Points
Point Value
1.30 ¢
Hobby Score
4.7
Wells Fargo Rewards should only be considered when you've exhausted Chase, Amex, or Capital One
Wells Fargo has several credit cards, but only two — the Autograph and Autograph Journey — let you earn points that can be transferred to airline and hotel partners. This unlocks the real value of Wells Fargo Rewards.
The most valuable way to redeem Wells Fargo Rewards is to transfer points to a partner and book a sweet spot redemption. While Wells Fargo offers several easier alternatives, none match the value you can get through partners. Most other redemptions top out at 1 cent per point, while partner bookings can often double or triple that value.
Wells Fargo also has a travel portal for booking airfare, hotels, rental cars, cruises, and more. Redemptions here are generally worth 1 cent per point, and prices are often better when booking directly with the airline or hotel. You also won’t earn loyalty points or elite credit on portal bookings. For these reasons, we don’t recommend using your points this way.
Discover your points' highest-value redemption options. Use the filters to find the optimal sweet spot for your next trip.
You can’t reverse a points transfer, so always confirm award space and price before moving points to a partner.
Wells Fargo is a decent program for anyone focused on cash back rewards. But if your goal is to earn points for free travel, it sits below the big four programs - American Express, Chase, Capital One, and Citi. The addition of transfer partners has helped, but there are still only a handful of partners and just two cards that allow point transfers.
If you’ve already collected points in the major systems and either hit limits by opening too many cards or want to avoid that, Wells Fargo can be a reasonable next step. Having transfer partners puts them above every other cash back–only ecosystem. We also expect Wells Fargo to expand its list of partners and add more cards with transfer capability over time.
Before canceling one of the two Autograph cards that allows transfers to partners, you need to use your points. If you don’t, you will forfeit them. Since the Autograph card has no annual fee, it can be smart to keep it (or downgrade to it from the Autograph Journey) so you have a safe place to store your points. We don’t recommend transferring to a partner unless you have a specific redemption in mind. It might buy you more time, but most airline and hotel loyalty programs also have expiration policies.
