Wells Fargo is a major credit card issuer that’s often overlooked because many people focus on American Express, Citi, and Chase, but it has a line-up of trustworthy rewards credit cards.
Just like the American Express Trifecta, Citi Trifecta, and Chase Trifecta, Wells Fargo has a Trifecta that you can add to your wallet to maximize your rewards earnings. Even better, this trifecta is cheaper and can be created with no annual fee. Also, you don’t need a business card in this setup.
While Wells Fargo’s rewards ecosystem is smaller, with just nine transfer partners, its credit cards can still be powerful if used strategically. Although Wells Fargo points are worth less than American Express, Citi, and Chase points (based on TPG’s November 2025 valuation), the right mix can still deliver substantial returns.
If you break Chase’s 5/24 rule, don’t qualify for welcome bonuses from American Express or Citibank, or just want a simple, low-cost rewards strategy, the Wells Fargo Trifecta (or even the four-card “quadfecta”) might be worth adding to your wallet.Here’s who should consider Wells Fargo Trifecta and what you need to know.
What cards are included in the Wells Fargo Trifecta?
Wells Fargo Trifecta consists of the following cards:
Wells Fargo Attune information is collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Active Cash Card
annual fee: $0.
Welcome offer: You can get a cash bonus of US$200 when you spend US$500 within three months after opening an account.
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With Active Cash, cardholders can earn unlimited 2% cash rewards on purchases. Card benefits include cell phone protection (up to $600 per claim and $25 waiver for damage, theft or accidental separation up to two times per year), and secondary car rental collision damage waiver when you pay for the entire transaction with the card.
To learn more, check out our full review of Wells Fargo Active Cash.
Apply here: Wells Fargo Active Cash Card
Wells Fargo Attune Card
annual fee: $0.
Welcome offer: You can get a US$100 cash bonus when you spend US$500 within three months after opening an account.
The highlight of Attune, which has no annual fee, is its unique revenue structure. The card earns unlimited 4% cash rewards divided into three categories:
- Eco-friendly, impactful buying: Includes antique shops, bus lines, electric vehicle charging stations, other transportation services, passenger rail, public transportation (including ferries), select second-hand shops and second-hand merchandise
- Choose sports, leisure and entertainment: Including business types such as amusement parks, live performances and sporting events, movie theaters, pet shops, sports and leisure camps, sporting goods, tourist attractions and exhibitions
- self care:Includes gyms, spas and salons
Attune earns bonus points on purchases that don’t typically fall into bonus categories. Attune also has the same cellular phone protection and secondary rental car protection as Active Cash.
To learn more, check out our full review of Wells Fargo Attune.
Wells Fargo Signature Travel Card
annual fee: $95.
Welcome offer: Earn 60,000 bonus points when you spend $4,000 in purchases within the first three months of account opening. TPG’s November 2025 valuation puts Wells Fargo worth 1.6 cents per share, making the offer worth $960.
Signature Tours are a workhorse for earning bonus points, and you’ll earn them in a variety of bonus categories:
- Earn 5 points for every $1 spent at the hotel
- Earn 4 points for every $1 spent on airlines
- Earn 3 points per $1 spent on other travel and restaurant purchases
- Earn 1 point for every $1 spent on other purchases
A standout benefit of this card is a $50 annual airline statement credit (minimum $50 airline purchase). This credit effectively reduces your annual fee to just $45.
Because the card is better suited for travel, cardholders receive a range of protections such as global automatic common carrier travel accident insurance, lost baggage compensation, and trip cancellation and interruption protection.
Additionally, Autograph Journey offers enhanced cell phone protection (up to $1,000 per claim versus $600 per claim with Active Cash, Autograph and Attune; $25 deductible).
Autograph Journey is also a Visa Signature card, so you can take advantage of these benefits.
To learn more, check out our full review of Wells Fargo Signature Tours.
Apply here: Wells Fargo Signature Travel Card
Wells Fargo Autograph Card
annual fee: $0.
Welcome offer: Earn 20,000 bonus points when you spend $1,000 or more in the first three months after opening an account. Based on TPG’s November 2025 valuation, this offer is worth $320.
Signature Cards, like their big brother Signature Journeys, have solid earn rates across a variety of useful bonus categories. What you will get:
- Earn 3 points per $1 spent on dining (including takeout, catering and delivery services), eligible streaming services and phone plans
- Earn 3 points per $1 spent on gas stations and EV charging stations, transportation and travel (air tickets, hotels, car rentals, cruises, etc.)
- Earn 1 point for every $1 spent on other purchases
In addition to these strong earn rates, you get the same Visa Signature benefits as Autograph Journey and the same cell phone protection, rental car coverage, and roadside dispatch as Active Cash and Attune.
To learn more, check out our full review of the Wells Fargo Autograph.
Apply here: Wells Fargo Autograph Card
RELATED: Wells Fargo Rewards Program Adds JetBlue TrueBlue as 1:1 Transfer Partner
How does the Wells Fargo Trifecta work?
Wells Fargo Trifecta is simpler than Trifecta from other card issuers because you only have to choose from a set of cards. To complete the trifecta, you must have Active Cash and Attune.
The biggest decision comes down to whether you’re willing to pay the annual fee and whether you’d consider level four.
Should I choose a signature tour or a signature tour?
With Wells Fargo Trifecta, you only have to choose between two cards.
If you don’t want to pay the annual fee, autograph card is a reliable choice. Autograph covers bonus categories that Journey lacks, including gas, qualifying streaming and phone plans. Both cards earn the same amount on dining.
However, signature tour For travelers, it shines because you earn 3 points per $1 spent on general travel, 4 points per $1 spent on flights, and 5 points per $1 spent on hotels.
Plus, the $95 annual fee for Signature Tours actually drops to $45 once you factor in the $50 annual airline statement credit. According to TPG’s valuation, you’d only need to spend about $553 a year on hotels and $703 on flights to recoup the costs.
Signature Journey also offers a higher welcome bonus worth more than 10 times the annual fee.
If you can’t decide, I recommend quadruple this deck by adding two cards. With this combination, you’ll maximize your rewards earning potential across numerous reward categories.
Related: Wells Fargo Autograph vs. Autograph Journey: Should You Pay the Annual Fee to Get More Benefits?
How to maximize your earnings with this setup
To maximize your earning potential, use each card strategically. Please follow these guidelines when purchasing with Wells Fargo Trifecta:
- signature tour: For flights, hotels and restaurants
- autograph card: For travel, dining, gas, qualifying streaming and phone plans
- Attune: For entertainment, EV charging, gym membership, or other one-time purchases in the rewards category
- active cash: for all other purchases that do not fall into the bonus category
Owning a Wells Fargo Trifecta guarantees you’ll earn at least 2 points for every $1 you spend. If you choose to have all four of these cards, there’s rarely a time when you don’t earn at least 3 points per $1 spent on a purchase.
Important: Active Cash and Attune earn cash back in the form of cash rewards, while Autograph and Autograph Journey earn points. If you have an Autograph card, you can convert the cash rewards you earn with Active Cash or Attune into fully transferable points. This essentially allows you to earn at least 2 points per $1 spent on all purchases.
Those points can then be transferred to Wells Fargo’s small but growing list of travel partners for maximum redemption value. Top partners include Air France KLM Flying Blue, JetBlue TrueBlue and Virgin Atlantic Flying Club.
Application restrictions
Wells Fargo is generally relaxed about the number of cards you can have, but there are two key limits to be aware of:
- If you have opened the same card within the past 48 months, you may not be eligible for the welcome offer.
- If you have opened a Wells Fargo-branded consumer card within the past six months, you may not be eligible for another Wells Fargo-branded consumer card.
For example, Autograph Journey’s terms and conditions page states:
“If you have a Wells Fargo Autograph Journey Visa® or opened one within the past 48 months of the date of this application, you may not be eligible for the introductory annual rate, fee and/or incentive bonus offer – even if the account is closed with a $0 balance.”
This language also appears on every other card in the trifecta.
You can also find this language on all cards in Trifecta:
“If you opened a Wells Fargo-branded consumer credit card within the past 6 months, you may not be eligible for an additional Wells Fargo-branded consumer credit card.”
Wells Fargo can also be sensitive to inquiries, so going below 5/24 (meaning you’ve opened five or fewer new cards in the past 24 months) can help improve your chances of approval, although it’s not a strict rule. TPG credit card editor Olivia Mittak was previously denied a Wells Fargo credit card application because she had too many recent inquiries on her credit report.
When considering setting up a trifecta, these are the rules of application to be aware of.
Related: The Ultimate Guide to Credit Card Application Limitations
Who should consider the Wells Fargo Trifecta?
Wells Fargo Trifecta is ideal for those looking to minimize annual fees while still receiving generous daily rewards.
If you already have a full American Express, Citi, or Chase card, or are no longer eligible for the new welcome offer, adding a Wells Fargo card may be a smart way to continue earning welcome offers and diversify your rewards portfolio.
It’s also great if you don’t follow Chase’s 5/24 rule, as Wells Fargo applications are not subject to that strict requirement.
Who Should Not Consider the Wells Fargo Trifecta
You should reconsider this setting if you:
- Belonging to Chase 5/24: Prioritize applying for Chase cards because their points are more valuable and transferable to a wider range of travel partners.
- Don’t get the major welcome offers from American Express, Capital One, Citi, or Chase yet: These card issuers typically offer higher welcome bonuses, their points are more valuable, and they have more valuable transfer partners.
You’ll want to consider these factors before submitting your Wells Fargo card application.
Related: The Best Ways to Use the Chase 5/24 Slot
bottom line
For those who don’t like Chase’s 5/24 rule or are looking for a low-fee card, the Wells Fargo Trifecta (or Quadfecta iteration) is a strong option. This can be a great setup for those who don’t qualify for cards from other issuers.
But if you qualify for a Citi, Chase or American Express card, their ecosystems can still offer more valuable points and better transfer partners.
Related: Better Together: The Ultimate Guide to the Best Credit Card Combinations
