Wells Fargo is a significant bank card issuer that always flies underneath the radar, as many individuals deal with American Specific, Citi and Chase playing cards — nevertheless it has a worthy lineup of rewards bank cards.
And identical to the Amex Trifecta, the Citi Trifecta and the Chase Trifecta, Wells Fargo has a trifecta you may add to your pockets to maximise your rewards incomes. Even higher, this trifecta is cheaper and may be created with no annual charges. Moreover, you do not want a enterprise card on this setup.
Whereas Wells Fargo’s rewards ecosystem is smaller, with solely 9 switch companions, its playing cards can nonetheless be highly effective when used strategically. Though Wells Fargo factors are price lower than Amex, Citi and Chase factors (in keeping with TPG’s November 2025 valuations), the proper mixture can nonetheless result in spectacular returns.
In the event you’re over Chase’s 5/24 rule, not eligible for Amex or Citi welcome bonuses, or simply desire a easy, low-cost rewards technique, the Wells Fargo Trifecta (or perhaps a four-card “quadfecta”) could possibly be price including to your pockets.Here is who ought to take into account the Wells Fargo Trifecta and what it’s essential to know.
What playing cards are within the Wells Fargo Trifecta?
The Wells Fargo Trifecta consists of the next playing cards:
The data for the Wells Fargo Attune has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Wells Fargo Energetic Money Card
Annual price: $0.
Welcome provide: Earn a $200 money rewards bonus after spending $500 on purchases within the first three months from account opening.
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With the Energetic Money, cardholders earn a limiteless 2% in money rewards on purchases. Card advantages embody mobile phone safety (as much as $600 per declare, topic to a $25 deductible as much as twice per 12 months for harm, theft or unintended separation) and a secondary auto rental collision harm waiver on leases while you pay for your complete transaction along with your card.
To study extra, try our full assessment of the Wells Fargo Energetic Money.
Apply right here: Wells Fargo Energetic Money Card
Wells Fargo Attune Card
Annual price: $0.
Welcome provide: Earn a $100 money rewards bonus after spending $500 on purchases within the first three months from account opening.
The spotlight of the no-annual-fee Attune is its distinctive incomes construction. The cardboard earns a limiteless 4% in money rewards in three classes:
- Planet-friendly impactful purchases: Contains antiques outlets, bus strains, electrical car charging stations, different transportation providers, passenger railways, public transportation (together with ferries), choose secondhand shops and used merchandise
- Choose sports activities, recreation and leisure: Together with classes like amusement parks, dwell exhibits and sporting occasions, film theaters, pet outlets, sporting and leisure camps, sports activities provides, vacationer points of interest and displays, amongst different service provider varieties
- Self-care: Contains gyms, spas and salons
The Attune earns bonus factors on purchases that usually do not fall right into a bonus class. The Attune additionally has the identical mobile phone safety and secondary rental automotive safety because the Energetic Money.
To study extra, try our full assessment of the Wells Fargo Attune.
Wells Fargo Autograph Journey Card
Annual price: $95.
Welcome provide: Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening. TPG’s November 2025 valuations peg Wells Fargo factors as price 1.6 cents apiece, making this provide price $960.
The Autograph Journey is a workhorse for incomes bonus factors, as you will earn in a wide range of bonus classes:
- 5 factors per greenback spent at resorts
- 4 factors per greenback spent on airways
- 3 factors per greenback spent on different journey and restaurant purchases
- 1 level per greenback spent on different purchases
A standout good thing about this card is a $50 annual airline assertion credit score (with a $50 minimal airline buy). This credit score successfully reduces your annual price to only $45.
Since this card is extra geared towards journey, cardholders obtain a collection of protections like worldwide computerized widespread service journey accident insurance coverage, misplaced baggage reimbursement, and journey cancellation and interruption safety.
Plus, the Autograph Journey additionally presents extra strong mobile phone safety (as much as $1,000 per declare versus $600 per declare on the Energetic Money, the Autograph and the Attune; topic to a $25 deductible).
The Autograph Journey can be a Visa Signature card, so you will have entry to these advantages.
To study extra, try our full assessment of the Wells Fargo Autograph Journey.
Apply right here: Wells Fargo Autograph Journey Card
Wells Fargo Autograph Card
Annual price: $0.
Welcome provide: Earn 20,000 bonus factors after spending $1,000 or extra on purchases within the first three months from account opening. This provide is price $320 based mostly on TPG’s November 2025 valuations.
The Autograph Card, like its huge sibling the Autograph Journey, has stable incomes charges in a wide range of helpful bonus classes. You may earn:
- 3 factors per greenback spent on eating (contains takeout, catering and meals supply providers), eligible streaming providers and telephone plans
- 3 factors per greenback spent on fuel stations and electrical car charging stations, transit and journey (airfare, resorts, automotive leases, cruises and extra)
- 1 level per greenback spent on different purchases
Along with these strong incomes charges, you obtain the identical Visa Signature advantages because the Autograph Journey and the identical mobile phone safety, rental automotive protection and roadside dispatch discovered on the Energetic Money and the Attune.
To study extra, try our full assessment of the Wells Fargo Autograph.
Apply right here: Wells Fargo Autograph Card
Associated: Wells Fargo Rewards provides JetBlue TrueBlue as a 1:1 switch associate
How does a Wells Fargo Trifecta work?
The Wells Fargo Trifecta is easier than different issuers’ trifectas, as there is just one card set you need to select from. To finish the trifecta, you will need to have the Energetic Money and the Attune.
The most important determination boils down as to if you need to pay an annual price and whether or not you’d take into account a quadfecta.
Ought to I choose the Autograph or the Autograph Journey?
With the Wells Fargo Trifecta, you solely must determine between two playing cards.
In the event you want not paying an annual price, the Autograph Card is a stable choice. The Autograph covers bonus classes the Journey lacks, together with fuel, eligible streaming and telephone plans. Each playing cards earn the identical on eating.
Nevertheless, the Autograph Journey shines for vacationers because it earns 3 factors per greenback spent on basic journey, 4 factors per greenback spent on flights and 5 factors per greenback spent on resorts.
Plus, when you issue within the $50 annual airline assertion credit score, the Autograph Journey’s $95 annual price successfully drops to $45. Based mostly on TPG’s valuations, you’d solely must spend about $553 on resorts or about $703 on flights per 12 months to recoup that price.
The Autograph Journey additionally presents a better welcome bonus price over 10 occasions its annual price.
If you cannot determine, I might advocate turning this card lineup right into a quadfecta by including each playing cards. With this combo, you will maximize your rewards-earning potential throughout a large number of bonus classes.
Associated: Wells Fargo Autograph vs. Autograph Journey: Must you pay an annual price for extra advantages?
How one can maximize earnings with this setup
To maximise your incomes potential, use every card strategically. Comply with these tips when making purchases with the Wells Fargo Trifecta:
- Autograph Journey: Use for flights, resorts and eating
- Autograph Card: Use for journey, eating, fuel, eligible streaming and telephone plans
- Attune: Use for leisure, EV charging, gymnasium memberships or different one-off purchases in bonus classes
- Energetic Money: Use for all different purchases that do not fall right into a bonus class
Having a Wells Fargo Trifecta ensures you will earn a minimum of 2 factors per greenback spent on purchases. And in the event you go for a quadfecta with all 4 playing cards, there could be only a few occasions while you would not earn a minimum of 3 factors per greenback spent on purchases.
An vital word: The Energetic Money and the Attune earn money again within the type of money rewards, whereas the Autograph and the Autograph Journey earn factors. In the event you maintain an Autograph card, you may convert the money rewards earned on the Energetic Money or the Attune into absolutely transferable factors. This successfully means that you can earn a minimum of 2 factors per greenback spent on all purchases.
These factors can then be transferred to Wells Fargo’s small however rising roster of journey companions for optimum redemption worth. High companions embody Air France-KLM Flying Blue, JetBlue TrueBlue and Virgin Atlantic Flying Membership.
Utility restrictions
Wells Fargo is mostly lenient about what number of playing cards you may maintain, nevertheless it has two key restrictions to notice:
- You might not be eligible for welcome presents in the event you’ve opened the identical card inside the previous 48 months.
- Chances are you’ll not qualify for one more Wells Fargo-branded shopper card in the event you’ve opened one prior to now six months.
For instance, the phrases and situations web page of Autograph Journey states:
“You might not be eligible for introductory annual share charges, charges and/or rewards bonus presents you probably have the Wells Fargo Autograph Journey Visa® or opened one inside the final 48 months from the date of this software – even when that account is closed and has a $0 stability.”
This language can be discovered on all the opposite playing cards within the trifecta.
You additionally discover this language throughout all of the playing cards within the trifecta:
“Chances are you’ll not qualify for an extra Wells Fargo-branded shopper bank card you probably have opened a Wells Fargo-branded shopper bank card within the final 6 months.”
Wells Fargo will also be inquiry-sensitive, so being underneath 5/24 (which means you’ve gotten opened 5 or fewer new playing cards prior to now 24 months) helps enhance approval odds, although it isn’t a strict rule. TPG bank cards editor Olivia Mittak was beforehand declined for a Wells Fargo card as a result of she had too many current inquiries on her credit score report.
These software guidelines are simply one thing to be aware of when contemplating organising the trifecta.
Associated: The last word information to bank card software restrictions
Who ought to take into account a Wells Fargo Trifecta?
The Wells Fargo Trifecta is right for anybody seeking to decrease annual charges whereas nonetheless incomes sturdy on a regular basis rewards.
If you have already got a full lineup of Amex, Citi or Chase playing cards or are not eligible for brand spanking new welcome presents, including Wells Fargo playing cards is usually a sensible option to proceed incomes welcome presents and diversify your rewards portfolio.
It is also an awesome match in the event you’re over Chase’s 5/24 rule since Wells Fargo functions aren’t topic to that as a agency requirement.
Who should not take into account a Wells Fargo Trifecta
You must rethink this setup in the event you:
- Are underneath Chase 5/24: Prioritize making use of for Chase playing cards first, as their factors are extra worthwhile and transferable to a wider vary of journey companions.
- Have not but earned main welcome presents from Amex, Capital One, Citi or Chase: These issuers usually provide greater welcome bonuses, their factors are price extra they usually have extra worthwhile switch companions.
These are elements you will need to take into account earlier than you submit an software for Wells Fargo playing cards.
Associated: The perfect methods to make use of your Chase 5/24 slots
Backside line
The Wells Fargo Trifecta (or the quadfecta iteration) is a powerful different for these over Chase’s 5/24 rule or on the lookout for low-fee playing cards. It may be an awesome setup for these not eligible for different issuers’ playing cards.
However in the event you’re eligible for Citi, Chase or Amex playing cards, their ecosystems nonetheless provide extra worthwhile factors and higher switch companions.
Associated: Higher collectively: The last word information to the perfect bank card mixtures
