Do Wells Fargo Rewards Expire?
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Wells Fargo Rewards is a bank loyalty program for its credit card holders that allows them to earn points (or rewards) for everyday spending and redeem them for travel, cash equivalents, gift cards, and more.
It can take months or even years to accumulate points, so it’s important to know if they expire and what happens if you close your card or change products. So let’s figure it out.
The answer to the question “Do Wells Fargo rewards expire?” is that for Wells Fargo consumer cards that allow you to earn Wells Fargo Rewards points, the reward points do not expire as long as the credit card account is open.
However, please note that some older Wells Fargo reward products and business rewards have different rules. Points on older Wells Fargo Rewards and Wells Fargo Business Rewards cards expire at the end of the 60th month (approximately five years) after they are earned.
The only exception is a state law for New York residents, effective December 10, 2023, which states that if a New York resident closes their last Wells Fargo Rewards card for any reason not related to fraud, Wells Fargo must issue them a check for an amount equivalent to their unused points.
Conclusions
If you use a new Wells Fargo consumer card, your points generally do not expire as long as the account remains open. But if you have an older card or business rewards program, the expiration period may be five years. It is safest to check the “Rewards Program Terms and Conditions” for your specific card.
