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1.5% cash back, up to 2% with qualifying Loyalty Program activity

The 2% rate requires digital statements plus qualifying payroll direct deposit or at least 10 qualifying checking transactions per month; otherwise the rate is 1.5%. Membership and approval are required. Foreign transactions cost 1%, and the APR is 11.65%–24.99% variable.

Unlimited 3X restaurants, travel, gas, transit, popular streaming services and phone plans; 1X other purchases

• Partner transfer options and redemption values can change.

Bonus categories depend on Visa merchant coding. The 20,000-point offer requires $1,000 in net purchases within 3 months; eligibility restrictions and channel-specific terms apply.

5X points on hotels; 4X on airlines; 3X on other travel and restaurants; 1X other purchases

The 60,000-point offer requires $4,000 in net purchases within 3 months; cash-like transactions, fees, interest, balance transfers, returns, and credits do not count. Hotel, airline, restaurant, and travel bonuses depend on merchant coding. Wells Fargo states bonus/intro-offer eligibility may be restricted if the applicant currently has or opened this product within the prior 48 months.

Legacy product; current rewards structure is not publicly listed by Wells Fargo.

Closed to new applications. Historical rewards, credits, fees, and benefits may differ for existing cardmembers; the current account agreement controls.

Up to 9X total at Hyatt hotels and resorts; one annual free night and 5 tier-qualifying night credits as current card benefits

Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.