Wells Fargo Promotions Overview
Wells Fargo Promotions can include special offers for checking accounts, credit cards, business banking, home lending, and other financial products. Offers and eligibility requirements can change, so verify the current terms directly with Wells Fargo before opening an account or applying.
For a broader look at the bank’s Utah presence, accounts, and services, see our Wells Fargo Bank in Utah: Review Accounts, Fees, and Services.
For a clearer explanation of the terminology used throughout this page, see UtahFi’s guide to bank bonuses, promotions, rewards, and incentives.
Quick Summary
Wells Fargo promotions currently include consumer and business checking bonuses, multiple credit card welcome offers, promotional rates, merchant deals, and relationship-based benefits. Availability and terms vary by product and customer eligibility.
| Category | Current Offers |
|---|---|
| Checking Account Bonuses | $2,000 Premier Checking bonus and $125 Clear Access Banking bonus |
| Savings Account Bonuses | No current public savings account cash bonus identified |
| Business Account Bonuses | Business checking bonus of $400, $550, or $825 based on the qualifying balance |
| Credit Card Bonuses | Multiple consumer and business welcome offers, including cash rewards, bonus points, and OneKeyCash® |
| Promotional Rates | Platinum Savings promotional APY for qualifying new customers and special financing through Wells Fargo Retail Services |
| Referral Programs | No current public consumer or business referral bonus identified |
| Member Deals and Discounts | My Wells Fargo Deals, mortgage relationship benefits, and Premier Checking relationship benefits for eligible customers |
Update frequency: UtahFi reviews and updates this page monthly to keep Wells Fargo promotions current. Wells Fargo may change, add, or discontinue offers between UtahFi updates, so availability and terms can change before the next monthly review.
Checking Account Bonuses
Current Wells Fargo promotions include two public checking bonuses for qualifying customers. Premier Checking offers a larger bonus for customers who bring substantial new qualifying deposits to Wells Fargo, while Clear Access Banking offers a smaller bonus based on qualifying account activity.
Wells Fargo Premier Checking — $2,000 Bonus
| Detail | Offer |
|---|---|
| Bonus | $2,000 |
| How to earn it | Open or upgrade to a Premier Checking account using the offer code, bring $250,000 or more in new deposits to qualifying linked accounts by day 45, and maintain at least $250,000 through day 90. |
| Monthly service fee | $35, or $0 with at least $250,000 in statement-ending qualifying linked balances. |
| Potential bonus after fees | Up to $2,000 if the monthly service fee is avoided. Otherwise, account fees can reduce the net value of the bonus. |
| Fine print | Offer is available to qualifying customers opening a new Premier Checking account or upgrading an existing consumer checking account. Customers who received a Premier Checking bonus within the past 12 months, Wells Fargo employees, and certain nonresident customers are not eligible. The offer is available only at Wells Fargo branches. |
| Expiration date | January 13, 2027 |
More official info: Wells Fargo Premier Checking $2,000 bonus offer
Wells Fargo Clear Access Banking — $125 Bonus
| Detail | Offer |
|---|---|
| Bonus | $125 |
| How to earn it | Open a new eligible Wells Fargo checking account using the offer and complete 10 or more qualifying posted transactions within 60 calendar days. Qualifying activity can include posted Zelle® transactions, mobile check deposits, Wells Fargo Bill Pay payments, and eligible debit card purchases. |
| Monthly service fee | $5, or $0 when a qualifying fee-waiver requirement is met. |
| Potential bonus after fees | Up to $125 if the monthly service fee is avoided. Account fees can reduce the net value of the bonus if a waiver requirement is not met. |
| Fine print | Offer is for new consumer checking customers only. Customers who received a Wells Fargo consumer checking bonus within the past 12 months, Wells Fargo employees, certain nonresident customers, and Wells Fargo Private Bank deposit accounts are not eligible. Teller transactions, ATM transactions, account-and-routing-number transactions, pending transactions, and certain card-funding transactions do not qualify. |
| Expiration date | January 13, 2027 |
More official info: Wells Fargo $125 checking bonus offer
Savings Account Bonuses
We did not identify a current public Wells Fargo savings account bonus available to qualifying Utah customers.
Wells Fargo may offer targeted, relationship-based, branch-only, or other nonpublic savings promotions to certain customers, but those are not included here unless they can be verified through an official source.
Business Account Bonuses
Current Wells Fargo promotions for businesses include a tiered business checking bonus worth up to $825 for qualifying new customers. The bonus amount depends on the balance deposited and maintained during the qualification period.
Wells Fargo Business Checking — Up to $825 Bonus
| Detail | Offer |
|---|---|
| Bonus | $400, $550, or $825 |
| How to earn it | Open an eligible business checking account, deposit at least $2,500 by day 30, maintain the qualifying balance through day 60, and complete 5 or more qualifying posted transactions during the 60-day qualification period. Deposit tiers are $2,500–$9,999 for $400, $10,000–$24,999 for $550, and $25,000 or more for $825. |
| Monthly service fee | Initiate Business Checking has a $15 monthly service fee, or $0 when a qualifying waiver requirement is met. Fees for other eligible business checking accounts may differ. |
| Potential bonus after fees | Up to $400, $550, or $825 if applicable monthly fees are avoided. Account fees can reduce the net value of the bonus. |
| Fine print | Offer is for new business checking customers only. Limit one business checking bonus per business and one per business owner within 24 months. Current Wells Fargo business checking owners, customers who closed one within the past 90 days, Wells Fargo employees, certain nonresident aliens, and foreign entities are not eligible. The account must remain open and unrestricted when the bonus is paid. |
| Expiration date | November 10, 2026 |
More official info: Wells Fargo business checking bonus offer
Credit Card Bonuses
Current Wells Fargo promotions include several consumer and business credit card welcome offers. New cardholders may earn cash rewards, bonus points, or OneKeyCash® after meeting the applicable spending requirement.
Consumer Credit Card Bonuses
| Credit Card | Welcome Bonus | Spending Requirement | Annual Fee |
|---|---|---|---|
| Active Cash® | $100 cash rewards | $500 in purchases within 3 months | $0 |
| Autograph® | 20,000 bonus points | $1,000 in purchases within 3 months | $0 |
| Autograph Journey℠ | 60,000 bonus points | $4,000 in purchases within 3 months | $95 |
| One Key® | $250 in OneKeyCash® | $2,000 in purchases within 3 months | $0 |
| One Key+® | $350 in OneKeyCash® | $6,000 in net purchases within 6 months | $99 |
| Choice Privileges® Mastercard® | 40,000 bonus points | $1,000 in purchases within 3 months | $0 |
| Choice Privileges® Select Mastercard® | 60,000 bonus points | $3,000 in purchases within 3 months | $95 |
Fine print: Credit approval and card-specific eligibility requirements apply. Wells Fargo states that offers may vary by marketing channel. One Key introductory-offer eligibility can also depend on whether the applicant opened a One Key, One Key+, or Hotels.com Card within the previous 48 months. No fixed public expiration dates are listed for these offers.
Business Credit Card Bonuses
| Credit Card | Welcome Bonus | Spending Requirement | Annual Fee |
|---|---|---|---|
| Signify Business Cash® | $500 cash rewards | $5,000 in business purchases within 3 months | $0 |
Fine print: The Signify Business Cash® Card is subject to credit approval and Wells Fargo business-card eligibility requirements. No fixed public expiration date is listed for the welcome offer.
Promotional Rates
Current Wells Fargo promotions include a promotional savings APY for qualifying new Platinum Savings customers and special financing through Wells Fargo Retail Services.
Wells Fargo Platinum Savings — 3.25% APY
| Detail | Offer |
|---|---|
| Promotion | 3.25% APY |
| Promotional period | Variable promotional APY. Wells Fargo may change the rate after account opening. |
| How to qualify | Open a new Platinum Savings account, deposit at least $25,000 within 30 days, and maintain a minimum daily balance of at least $25,000 thereafter to continue earning the promotional APY. |
| Potential cost | A $12 monthly service fee applies unless a qualifying fee-waiver requirement is met. |
| Fine print | Available only to new Wells Fargo savings customers who have not owned or jointly owned a Wells Fargo consumer savings account within the previous 30 days. If the balance falls below $25,000, the account earns the applicable standard or relationship rate instead. |
| Expiration date | No fixed public expiration date listed. The promotional APY is variable and subject to change. |
More official info: Wells Fargo Platinum Savings promotional rate
Wells Fargo Retail Services Special Financing
| Detail | Offer |
|---|---|
| Promotion | Special financing may include 0% APR with equal monthly payments, deferred-interest “No Interest if Paid in Full” plans, or reduced promotional APRs. |
| Promotional period | Varies by participating merchant and financing plan. |
| How to qualify | Make a qualifying purchase from a participating merchant using approved Wells Fargo Retail Services credit and meet the specific promotion requirements. |
| Potential cost | Costs depend on the financing plan and repayment timing. Deferred-interest plans can charge interest from the original purchase date if the promotional balance is not paid in full before the promotional period ends. |
| Fine print | Terms vary by merchant, including purchase requirements, minimum purchase amounts, term lengths, payment factors, and expiration dates. Paying only the minimum payment may not pay off a deferred-interest balance before the promotional period ends. |
| Expiration date | Varies by participating merchant and individual promotion. |
More official info: Wells Fargo Retail Services special financing terms
Referral Programs
We did not identify a current public Wells Fargo referral program that pays consumer or business customers a bonus for referring another person to open a qualifying account. Current public Wells Fargo promotions instead focus on direct account-opening bonuses, credit card welcome offers, and other product incentives.
Wells Fargo may still make targeted, relationship-based, employee, or nonpublic referral offers available in some situations, but those are not included unless they can be verified through an official Wells Fargo source.
Member Deals and Discounts
Current Wells Fargo promotions also include merchant cash-back offers and relationship-based customer benefits. These are not standard signup bonuses, but they can still provide meaningful value to eligible Wells Fargo customers.
| Program | Offer |
|---|---|
| My Wells Fargo Deals | Personalized merchant cash-back offers available through Wells Fargo Online® or the Wells Fargo Mobile® app. Customers generally need to activate each deal before making a qualifying purchase with an eligible Wells Fargo debit or credit card. Cash back is generally credited within 60 days after the qualifying purchase posts. |
| Mortgage Relationship Benefit | Eligible customers with qualifying Wells Fargo assets may receive a closing cost credit or mortgage interest rate discount on an eligible Wells Fargo mortgage. Wells Fargo currently advertises relationship closing cost credits starting at $250 and relationship rate discounts starting at 0.125%. |
| Premier Checking Credit Card Offers | Premier Checking customers may receive higher introductory cash rewards or bonus points on select newly opened Wells Fargo credit cards. Offers may vary by card and marketing channel. |
| Premier Checking Personal Loan Discount | Eligible Premier Checking customers may qualify for relationship interest rate discounts on select new Wells Fargo personal loans. Additional requirements, such as automatic payments, may apply. |
| Premier Checking Business Account Fee Waivers | Eligible Premier Checking customers who also own a qualifying business may have monthly service fees waived on Initiate Business Checking, Navigate Business Checking, Business Market Rate Savings, and Business Platinum Savings accounts. |
| Premier Checking Deposit Relationship Benefits | Premier customers may qualify for relationship interest rates on eligible linked savings accounts and CDs, plus fee waivers on select services such as wire transfers, cashier’s checks, money orders, and certain non-Wells Fargo ATM transactions. |
| Fine print | These benefits are generally available only to eligible Wells Fargo customers and may vary by account type, card, relationship status, asset level, or marketing channel. My Wells Fargo Deals offers must generally be activated before purchase. Mortgage relationship benefits exclude FHA and VA loans. Wells Fargo may change or discontinue these offers and benefits at any time. |
More official info: My Wells Fargo Deals information | Wells Fargo mortgage relationship benefits | Wells Fargo Premier Checking benefits
Frequently Asked Questions
Does Wells Fargo offer bonuses for new customers?
Yes. Wells Fargo promotions can include checking account bonuses, business banking offers, credit card welcome bonuses, promotional rates, and relationship-based incentives. The specific offers, requirements, and expiration dates can change over time.
Can existing Wells Fargo customers qualify for promotions?
Sometimes. Eligibility depends on the individual offer. Some Wells Fargo promotions are limited to new customers, while others may be available to existing customers opening, upgrading, or adding an eligible product. Prior-bonus restrictions and other eligibility rules may also apply.
How long does it take to receive a Wells Fargo bonus?
Timing depends on the promotion. Most offers include a qualification period followed by a separate period for Wells Fargo to verify eligibility and deposit the bonus or rewards. Review the specific offer terms for the applicable timeline.
Does Wells Fargo offer savings account bonuses?
Wells Fargo may periodically offer savings promotions, but these are not always structured as cash bonuses. Some offers may instead use promotional APYs, relationship rates, or targeted incentives. UtahFi lists promotional rates separately from savings account bonuses.
Does Wells Fargo offer business account bonuses?
Wells Fargo periodically offers bonuses for qualifying new business checking customers. Requirements can include maintaining a qualifying balance, completing eligible transactions, and keeping the account open through the applicable qualification period.
Does Wells Fargo offer credit card welcome bonuses?
Yes. Wells Fargo credit card promotions can include cash rewards, bonus points, travel rewards, or other introductory incentives. Spending requirements, annual fees, eligibility rules, and offer values vary by card.
Do Wells Fargo credit card bonuses require an annual fee?
Not always. Wells Fargo offers both no-annual-fee and annual-fee credit cards with introductory welcome offers. Compare the annual fee, spending requirement, rewards structure, and other card benefits before applying.
Does Wells Fargo have referral bonuses?
Wells Fargo may offer referral promotions from time to time, but public referral bonuses are not always available. Targeted, employee, relationship-based, or other nonpublic referral programs may also exist.
Does Wells Fargo offer customer discounts or member deals?
Yes. Eligible customers may receive personalized merchant offers through My Wells Fargo Deals, mortgage relationship benefits, and other account-based or relationship-based discounts. Availability and value can vary by customer and product.
Are Wells Fargo promotions available in Utah?
Many Wells Fargo promotions are available to qualifying Utah consumers and businesses, but availability can depend on the product, application method, customer status, and individual offer terms. Always verify Utah eligibility through the official Wells Fargo offer before applying.
Disclaimer: Promotions, bonuses, rates, eligibility requirements, and other offer terms may change or be discontinued without prior notice. UtahFi works to keep this information current but cannot guarantee that all offer details remain unchanged. Always verify the latest terms and conditions directly with the financial institution before opening an account, applying for a product, or participating in an offer.
