Wells Fargo is a significant bank card issuer that usually flies underneath the radar, as many individuals concentrate on American Specific, Citi and Chase playing cards — but it surely 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 possibly can add to your pockets to maximise your rewards incomes. Even higher, this trifecta is cheaper and will 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 value lower than Amex, Citi and Chase factors (in keeping with TPG’s November 2025 valuations), the proper mixture can nonetheless result in spectacular returns.
For those who’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 value including to your pockets.This is who ought to think about the Wells Fargo Trifecta and what it’s good to know.
What playing cards are within the Wells Fargo Trifecta?
The Wells Fargo Trifecta consists of the next playing cards:
The knowledge 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 Lively Money Card
Annual charge: $0.
Welcome supply: 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 Lively Money, cardholders earn a vast 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 yr for harm, theft or unintended separation) and a secondary auto rental collision harm waiver on leases once you pay for all the transaction along with your card.
To study extra, try our full overview of the Wells Fargo Lively Money.
Apply right here: Wells Fargo Lively Money Card
Wells Fargo Attune Card
Annual charge: $0.
Welcome supply: 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 vast 4% in money rewards in three classes:
- Planet-friendly impactful purchases: Consists of antiques retailers, bus traces, 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, stay reveals and sporting occasions, film theaters, pet retailers, sporting and leisure camps, sports activities provides, vacationer points of interest and reveals, amongst different service provider varieties
- Self-care: Consists of gyms, spas and salons
The Attune earns bonus factors on purchases that sometimes do not fall right into a bonus class. The Attune additionally has the identical mobile phone safety and secondary rental automotive safety because the Lively Money.
To study extra, try our full overview of the Wells Fargo Attune.
Wells Fargo Autograph Journey Card
Annual charge: $95.
Welcome supply: 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 value 1.6 cents apiece, making this supply value $960.
The Autograph Journey is a workhorse for incomes bonus factors, as you may earn in a wide range of bonus classes:
- 5 factors per greenback spent at accommodations
- 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 charge to simply $45.
Since this card is extra geared towards journey, cardholders obtain a set 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 affords extra strong mobile phone safety (as much as $1,000 per declare versus $600 per declare on the Lively Money, the Autograph and the Attune; topic to a $25 deductible).
The Autograph Journey can be a Visa Signature card, so you may have entry to these advantages.
To study extra, try our full overview of the Wells Fargo Autograph Journey.
Apply right here: Wells Fargo Autograph Journey Card
Wells Fargo Autograph Card
Annual charge: $0.
Welcome supply: Earn 20,000 bonus factors after spending $1,000 or extra on purchases within the first three months from account opening. This supply is value $320 primarily based on TPG’s November 2025 valuations.
The Autograph Card, like its massive sibling the Autograph Journey, has strong incomes charges in a wide range of helpful bonus classes. You will 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, accommodations, 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 Lively Money and the Attune.
To study extra, try our full overview 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 it’s important to select from. To finish the trifecta, you should have the Lively Money and the Attune.
The largest determination boils down as to whether you need to pay an annual charge and whether or not you’d think about a quadfecta.
Ought to I decide the Autograph or the Autograph Journey?
With the Wells Fargo Trifecta, you solely should determine between two playing cards.
For those who favor not paying an annual charge, the Autograph Card is a strong possibility. 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 normal journey, 4 factors per greenback spent on flights and 5 factors per greenback spent on accommodations.
Plus, when you issue within the $50 annual airline assertion credit score, the Autograph Journey’s $95 annual charge successfully drops to $45. Primarily based on TPG’s valuations, you’d solely must spend about $553 on accommodations or about $703 on flights per yr to recoup that price.
The Autograph Journey additionally affords a better welcome bonus value over 10 occasions its annual charge.
If you cannot determine, I would advocate turning this card lineup right into a quadfecta by including each playing cards. With this combo, you may maximize your rewards-earning potential throughout a large number of bonus classes.
Associated: Wells Fargo Autograph vs. Autograph Journey: Must you pay an annual charge for extra advantages?
The best way to 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, accommodations and eating
- Autograph Card: Use for journey, eating, fuel, eligible streaming and telephone plans
- Attune: Use for leisure, EV charging, health club memberships or different one-off purchases in bonus classes
- Lively Money: Use for all different purchases that do not fall right into a bonus class
Having a Wells Fargo Trifecta ensures you may earn at the least 2 factors per greenback spent on purchases. And when you go for a quadfecta with all 4 playing cards, there can be only a few occasions once you would not earn at the least 3 factors per greenback spent on purchases.
An vital be aware: The Lively Money and the Attune earn money again within the type of money rewards, whereas the Autograph and the Autograph Journey earn factors. For those who maintain an Autograph card, you possibly can convert the money rewards earned on the Lively Money or the Attune into totally transferable factors. This successfully lets you earn at the least 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. Prime companions embody Air France-KLM Flying Blue, JetBlue TrueBlue and Virgin Atlantic Flying Membership.
Utility restrictions
Wells Fargo is usually lenient about what number of playing cards you possibly can maintain, but it surely has two key restrictions to notice:
- You will not be eligible for welcome affords when you’ve opened the identical card throughout the previous 48 months.
- Chances are you’ll not qualify for an additional Wells Fargo-branded shopper card when you’ve opened one prior to now six months.
For instance, the phrases and situations web page of Autograph Journey states:
“You will not be eligible for introductory annual proportion charges, charges and/or rewards bonus affords if in case you have the Wells Fargo Autograph Journey Visa® or opened one throughout 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 if in case you have opened a Wells Fargo-branded shopper bank card within the final 6 months.”
Wells Fargo may also be inquiry-sensitive, so being underneath 5/24 (that means you’ve got opened 5 or fewer new playing cards prior to now 24 months) helps enhance approval odds, although it is not 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 latest inquiries on her credit score report.
These software guidelines are simply one thing to be conscious of when contemplating organising the trifecta.
Associated: The last word information to bank card software restrictions
Who ought to think about a Wells Fargo Trifecta?
The Wells Fargo Trifecta is good for anybody seeking to decrease annual charges whereas nonetheless incomes robust on a regular basis rewards.
If you have already got a full lineup of Amex, Citi or Chase playing cards or are now not eligible for brand spanking new welcome affords, including Wells Fargo playing cards generally is a sensible method to proceed incomes welcome affords and diversify your rewards portfolio.
It is also an incredible match when you’re over Chase’s 5/24 rule since Wells Fargo functions aren’t topic to that as a agency requirement.
Who should not think about a Wells Fargo Trifecta
You need to rethink this setup when you:
- Are underneath Chase 5/24: Prioritize making use of for Chase playing cards first, as their factors are extra beneficial and transferable to a wider vary of journey companions.
- Have not but earned main welcome affords from Amex, Capital One, Citi or Chase: These issuers sometimes supply increased welcome bonuses, their factors are value extra they usually have extra beneficial switch companions.
These are elements you may need to think about earlier than you submit an software for Wells Fargo playing cards.
Associated: The very best methods to make use of your Chase 5/24 slots
Backside line
The Wells Fargo Trifecta (or the quadfecta iteration) is a powerful various for these over Chase’s 5/24 rule or searching for low-fee playing cards. It may be an incredible setup for these not eligible for different issuers’ playing cards.
However when you’re eligible for Citi, Chase or Amex playing cards, their ecosystems nonetheless supply extra beneficial factors and higher switch companions.
Associated: Higher collectively: The last word information to the very best bank card combos
