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Footnote 1. 2% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. “Purchases” that do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advances), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers), balance transfers, SUPERCHECKS; disputes, illegal actions and violations; off-track wagers, lottery tickets, or bets or wagers transmitted over the internet; fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for details. ←back to content

Footnote 2. To qualify for the $100 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for more information about the rewards program. ←back to content

Footnote 3. Five rewards points (1 base point plus 4 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at Hotels: with retailers whose merchant category code is classified as hotel/motel. Airlines: 4 points (1 base point plus 3 bonus points) for every $1 spent on net purchases made with retailers whose merchant category code is classified as airlines and air carriers. Restaurants: 3 points (1 base plus 2 bonus points) are earned per $1 spent on net purchases made at retailers whose merchant category code is classified as: eating places and restaurants, drinking places, fast food restaurants, and caterers. Other Travel: 3 points (1 base plus 2 bonus points) are earned per $1 spent on net purchases made at retailers whose merchant category code is classified as: timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash advances and cash equivalents of any kind do not earn points. For a detailed list of cash advance and cash equivalent exclusions and merchant examples that may not be billed under the merchant category codes listed above, refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Journey Visa® Card Addendum. ←back to content

Footnote 4. To qualify for the 60,000 bonus rewards points, a total of at least $4,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn rewards points include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Journey Visa® Card Addendum for more information about the rewards program. ←back to content

Footnote 5. Each year, you will receive a one-time $50 statement credit applied to your account when your card is used for your first airline purchase of at least $50. Airline purchases include purchases made at retailers whose merchant category code is airline and air carriers. Charter flights and private jet flights are not considered airlines or air carriers. For the first year, the credit will be available at account opening. After that, the 12-month annual airline credit period begins the first day of the month after your annual fee is assessed, then renews every 12 months after that. For example, if your annual fee is assessed on November 10th, your annual airline credit period will begin on December 1st. This credit will show within 60 days after it is earned. ←back to content

Footnote 6. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose VISA^® merchant code is classified as: Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages. Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Dining: eating places and restaurants, drinking places, fast food restaurants, and/or caterers. Phone plans: landline and cell phone providers considered telecommunication services. Popular streaming services: cable and other pay television, digital goods, books, movies, music, and continuity/subscription services, as listed at: wellsfargo.com/autographstreaming. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash advances and cash equivalents of any kind do not earn points. For a detailed list of cash advance and cash equivalent exclusions and merchant examples that may not be billed under the VISA category codes listed above refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for details. ←back to content

Footnote 7. To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn rewards points include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for more information about the rewards program. ←back to content

Footnote 8. To qualify for $250 in OneKeyCash, a total of at least $2,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The OneKeyCash earned through the introductory offer will post to your account within 60 days after it is earned. “Purchases” that do not apply to this offer and do not earn rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the One Key Terms and Conditions for details about OneKeyCash expiration and redemption. Refer to the One Key® Mastercard® Rewards Program Agreement Terms and Conditions for more information about the rewards program. ←back to content

Footnote 9. 3% (1.5% base plus 1.5% bonus) in OneKeyCash is earned per $1 spent on eligible net purchases (purchases minus returns and credits) resulting from eligible accommodation rentals, activities, car rentals, cruises, flights, hotels, and packages booked through the U.S. version of Expedia, Hotels.com, or Vrbo using your One Key Mastercard. When outside of the U.S., you will need to actively select the U.S. version of the sites. The following transactions are not eligible and may not earn bonus rewards: 1) purchases made through PayPal, 2) charges made directly by the travel supplier after the booking is made including but not limited to resort fees, incidentals, upgrades, change fees, and cancellation fees, 3) damage deposits, damage fees, and damage protection on accommodation rental bookings, 4) bookings made prior to One Key Mastercard application approval, 5) bookings that are cancelled, changed or extended directly with the travel partner rather than Expedia, Hotels.com, or Vrbo, and 6) bookings that are made without being logged into the primary cardholder’s One Key member account that is associated with the One Key Mastercard used for payment on purchases where Expedia, Hotels.com, or Vrbo is not the merchant of record. Additionally, transactions that process using information that does not match your reservation, such as hotel location or incorrect merchant category, may not be eligible for bonus rewards. Wells Fargo reserves the right to determine which transactions are eligible for bonus rewards. 3% (1.5% base plus 1.5% bonus) in OneKeyCash is earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Dining: eating places and restaurants, drinking places, fast food restaurants, and/or caterers. Other purchases: 1.5% in OneKeyCash is earned per $1 spent on other net purchases. Cash advances and cash equivalents of any kind do not earn OneKeyCash. For a detailed list of cash advance and cash equivalent exclusions, merchant examples that may not be billed under the Mastercard category codes listed above, and purchases that are not eligible for bonus rewards, refer to the One Key® Mastercard® Rewards Program Agreement Terms and Conditions. ←back to content

Footnote 10. You must be a member of One Key, have created an account on the US-version of Expedia, Hotels.com or Vrbo’s site or app (for app, the region in phone settings must be set to US when the account was created) and have an active One Key account linked to your active One Key Mastercard^® to receive One Key Silver tier. You will continue to automatically receive Silver tier as long as your One Key Mastercard^® is open. Only the primary card holder is eligible to receive automatic One Key Silver tier. No Trip Elements are awarded as part of the automatic Silver tier. Learn more about One Key Silver tier. ←back to content

Footnote 11. To qualify for Gold tier, you must make a total of at least $15,000 in net purchases (purchases minus returns/credits) on the One Key Mastercard^® in a calendar year. No Trip Elements are awarded as part of the tier qualification. It may take up to 30 days for the tier to be awarded after it is earned. Gold tier is valid for the remainder of the calendar year you qualified, the next full calendar year, and through February 28 of the following year. Cash advances and cash equivalents of any kind do not count towards tier qualification and do not earn OneKeyCash. Cash advances and cash equivalents are not considered purchases and may affect the credit line available for this offer. For a detailed list of cash advance and cash equivalent exclusions, refer to the One Key® Mastercard® Rewards Program Agreement Terms and Conditions. Learn more about One Key Gold tier. ←back to content

Footnote 12. To qualify for the 40,000 bonus points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn rewards points include: cash advances and cash equivalents of any kind (such as ATM charges, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person to person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for more information about the rewards program. ←back to content

Footnote 13. Five points (1 base point plus 4 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Three points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists providing home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash advances and cash equivalents of any kind do not earn points. For a detailed list of cash advance and cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details. ←back to content

Footnote 14. Earn 5 points (1 base plus 4 bonus points) per $1.00 spent on qualifying net purchases of Choice Privileges points made on the Card Account. Refer to the Choice Privileges® Mastercard® Credit Card Rewards Program Agreement (the “Card Rewards Program”) Terms and Conditions (“Terms”) for details. The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content

Footnote 15. To qualify for the 60,000 bonus points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn rewards points include: cash advances and cash equivalents of any kind (such as ATM charges, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person to person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Choice Privileges® Select Mastercard® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for more information about the rewards program. ←back to content

Footnote 16. Ten points (1 base point plus 9 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Five points (1 base point plus 4 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists providing home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash advances and cash equivalents of any kind do not earn points. For a detailed list of cash advance and cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges® Select Mastercard® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details. ←back to content

Footnote 17. Earn 10 points (1 base plus 9 bonus points) per $1.00 spent on qualifying net purchases of Choice Privileges points made on the Card Account. Refer to the Choice Privileges® Select Mastercard® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details. The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content

Footnote 18. To qualify for the $500 cash rewards bonus, a total of at least $5,000 in qualifying net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM charges, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances may affect the credit line available for this offer. Refer to the Summary of Wells Fargo Business Rewards® Program Terms and Conditions and Signify Business Cash® Card for more information about the rewards program. ←back to content

Footnote 19. 2% cash rewards are earned for every $1 spent in qualifying purchases, made on Business Card account(s), rounded to the nearest one cent. "Qualifying purchases" are net purchases (purchases minus returns/credits) and exclude cash advances and cash equivalents of any kind (such as ATM charges, overdraft protection advance, traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); and gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Refer to the Summary of Wells Fargo Business Rewards® Program Terms and Conditions and Signify Business Cash® Card for further details. ←back to content