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Wells Fargo
Here's how the Wells Fargo Rewards expiration policy works, what happens to your points when you close a card, and how to avoid forfeiting rewards.
Wells Fargo Rewards Points Expiration Policy
Wells Fargo Rewards do not expire as long as your card remains open. Per the Wells Fargo Rewards terms and conditions:
“Points do not expire while this Credit Card account is open.”
The good news here is that you don't have to worry about account inactivity rules. As long as your card account is open, you are safe from points forfeiture.
Related: How To Maximize The Value of Wells Fargo Go Far Rewards
However, if you close your account, you will lose all your earned and pending points on the day your credit card account is closed. Per the Wells Fargo Rewards terms and conditions:
“If You close Your Credit Card account, or if it is closed for any reason, You will forfeit Your Points and any Pending Points the day Your Credit Card account is closed”
Thankfully, Wells Fargo makes it easy to redeem your points online. So, if you are going to close your account, make sure to use them first. Either by transferring them to travel partners or redeeming them as a statement credit, so you don’t lose your points.
Track your points and miles expiration for 600+
Which Credit Cards
Currently, Wells Fargo only issues a few points-earning cards that participate in the Wells Fargo Rewards program. You can earn Wells Fargo Rewards points through the following cards:
- Wells Fargo Autograph® Card
- Wells Fargo Autograph Journey® Card
- Wells Fargo Premier Autograph
Visa
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months - that's $600 toward your next trip.
- Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- 5X points per $1 spent with hotels
- 4X points per $1 spent with airlines
- 3X points per $1 spent on other travel and restaurants
- 1X points per $1 spent on other purchases
If you hold one of the above Wells Fargo Rewards credit cards, you may be able to convert your cash rewards to Wells Fargo Rewards. That's great news for leveraging the earning power of the Wells Fargo Active Cash® Card.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $100 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. 18.49%, 24.49%, or 28.49% 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.
- Earn unlimited 2% cash rewards on purchases
Remember that some other cards were historically part of the program, although they no longer accept new applicants. They include cards from the Go Far Rewards legacy program, which have now been rebranded as Wells Fargo Rewards.
Related: Our Complete Guide to The Wells Fargo Rewards Transfer Partners
Use AwardWallet To Track Wells Fargo Rewards Expiration
Since Wells Fargo Rewards points do not expire, you can focus on building up a healthy stash. That said, you should still stay on top of your points balances, and the easiest way to do so is by using AwardWallet.
To let AwardWallet track your Wells Fargo Rewards points, you only need to link your Wells Fargo account to AwardWallet, and you're all set. You will then have a central hub for your points balances where you plan and strategize your next award redemption.
Related: How To Track Your Rewards Using AwardWallet
Don't have an AwardWallet account yet? Sign up for free and track unlimited rewards programs and travel plans.
Bottom Line
Points that do not expire are the gold standard in the points-and-miles world, sitting atop the many points-expiration policies we track. It is excellent to see that Wells Fargo Rewards do not expire. This removes all the hassle of keeping on top of your balances. Instead, you can focus your efforts on maximizing your earnings and then maximizing your redemptions.
