Wells Fargo
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
24,000 points a year at 1.00¢ = $240 = $240 a year. The 20,000-point welcome bonus adds $200 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 3× Wells Fargo Rewards | none |
| Flights, hotels and transport | 3× Wells Fargo Rewards | none |
| Groceries | 1× Wells Fargo Rewards | none |
| Everything else | 1× Wells Fargo Rewards | none |
3x on restaurants, travel, petrol, transit, streaming and phone plans.
Wells Fargo Rewards points are worth about 1.00 cents each on our published table, our own. What Wells Fargo Rewards points are worth →
20,000 Wells Fargo Rewards — about $200 — after $1,000 of spending in 3 months. The example spending above clears that.
Credits count for $0 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page.
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We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.