Wells Fargo Signature Card Overview
this Wells Fargo Aproumph® Card (See Rates and Fees) Offers reward points in popular expenditure categories, direct redemption of direct redemption prices, and several valuable benefits that are not common without annual fees. Card Rating*: ⭐⭐⭐
*Card ratings are based on the opinions of TPG editors and are not affected by the card issuer.
Wells Fargo signature cards are a popular choice for those who want credit cards, no annual fees, travel and shopping protection, and a quality earning structure. Since Wells Fargo formed a transfer partner, more and more eyes have been on cards, allowing cardholders to get the most value from their points.
The fact that a signature card has no annual fee means there is no fee to put it in your wallet, so you can enjoy the benefits of mobile phone protection and free credit scores without the added fees, among other perks. We recommend this card with a credit score of 670 or higher.
This is a careful observation of Wells Fargo’s signature card.
Wells Fargo Signature Pros and Disadvantages
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Wells Fargo Signature Card Welcome Offer
Earn 20,000 bonus points on purchases that open an account in the first three months Wells Fargo Signature.
According to TPG’s July 2025 valuation, Wells Fargo’s points are worth 1.6 cents per point, and this offer is worth $320 when redeeming for travel.
It is worth noting that most Wells Fargo credit card applications have the following terms:
If you have opened a Wells Fargo branded credit card in the past 6 months, you may not be eligible for a Wells Fargo branded credit card.
Before applying for a Wells Fargo card, make sure it has been at least six months since the last time I opened the card with them. Remember that Wells Fargo might consider other factors, such as how many credit accounts you have opened recently when considering the app.
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TPG Credit Card Editor Olivia Mittak has been denied using Wells Fargo because he has had too many new accounts in the past 24 months, so remember that statistic when deciding when to apply.
Related: Final Guide to Credit Card Application Restrictions
Wells Fargo Signature Card Benefits
Since it is a visa signature card, you will enjoy two built-in benefits Wells Fargo Signature.
Visa Signature Luxury Hotel Collection can offer Elitelike benefits for hotel reservations made through its plans, including $25 food and beverage credit for the property, VIP guest identity and free breakfast twice a day.
Visa Signature Concierge Service can help you make travel reservations, restaurant recommendations and tickets to your event.
Signature cards also offer a variety of protections for your card purchases. Benefits include secondary automatic rental collision losses on rents when you use your card to pay for the entire transaction, 24/7 curbside dispatch, travel and emergency service assistance, and free FICO credit score.
When you use your signature card to pay your monthly bill, you will also receive up to $600 in phone protection from damage or theft. However, there is a $25 deduction per claim, with a limit on two claims over 12 months. Please note that this protection does not cover missing or missing phones.
While you won’t use this card to earn access to the lounge or declare points, this is a reliable range for an unfamiliar card.
Related: Comparison of visa signatures and world elite Mastercard benefits
Earn points with Wells Fargo Signature Card
and Wells Fargo Signatureyou will earn at the following rates:
- 3 o’clock per dollar spent on dining (including takeout, catering and food delivery services)
- Spend 3 points per dollar on travel (air tickets, hotels, car rentals, parades, etc.)
- Each dollar spent 3 points at gas stations and electric vehicle charging stations.
- Spend 3 points per dollar on shipping, qualified streaming services and phone plans
- Spend 1 point on other purchases per dollar
In view of this, according to TPG’s July 2025 valuation, Wells Fargo’s points are worth 1.6 cents, and in these bonus categories, your return on spending is 4.8%.
It is difficult to think of a phone plan as a bonus category on your personal card. Usually, the category pops up on the business card.
Related: Best Reward Credit Cards for Each Bonus Category
Redeem points with Wells Fargo Signature Card
You have several options to redeem points on wellsfargo.com/rewards. You can redeemed a 1% value per person as a statement credit, for gift cards (in $25 increments) or booking a trip, such as flights, car rentals, or hotel accommodation.
You can also redeemed points for a qualified Wells Fargo credit card, checking account, or mortgage. In addition, you can pay points from participating merchants, including PayPal.
These redemption choices have both positive and negative.
On the plus side, you don’t have to guess what the point of view is worthwhile when using it. Using these redemption options means you always get a value of 1 point per point.
On the negative side, these are not the best redemption options, as you can get more value from the key points with Wells Fargo’s transfer partners.
Related: Wells Fargo Rewards Program: How to Earn, Redemption and Transfer Points
Transfer points with Wells Fargo Signature Card
and Wells Fargo Signatureyou can enjoy transfer partners’ access to maximize the value of points. Wells Fargo has the following transfer partners:
While this list is not as long as other credit issuers’ listings, it is still a good choice. Wells Fargo may add other partners in the future, so keep an eye on this list.
Related: Credit Card Transfer Partners: Transfer Points and Miles Guide to Airlines and Hotels
Which cards compete with Wells Fargo Signature Cards?
Cards that consider competing with this card Wells Fargo Signaturetwo types immediately come to mind: cards that earn transferable rewards and credit cards have similar income structures.
For additional options, check out our full list of the best travel cards.
Read more: Chase Sapphire Preferences with Capital One Venture Rewards
Is Wells Fargo’s signature card worth it?
this Wells Fargo Signature For those who want an unpopular card, it is best for good benefits such as cell phone protection and credit score access. This card allows you to get quality transfer partner choices, which makes it perfect for travel beginners and enthusiasts.
Bottom line
We rarely see a card without an annual fee that offers multiple protections and strong income categories.
Those looking for cards without annual fees and transfer partners to access cards may like Wells Fargo Signature. However, if you are looking for a card that offers more transfer partners, it makes more sense to go with another issuer (such as Chase or Capital One).
Apply here: Wells Fargo Signature
