Wells Fargo's Targeted Tap-to-Pay Bonus: Earn $10 for 5 Contactless Swipes

If you have a Wells Fargo credit card, check your inbox. The bank recently sent out a targeted email offer that rewards you for using tap-to-pay. The deal: make five contactless transactions and get $10 back. It's a small but easy win, especially if you already use your phone or card to tap. But there are a few things to know before you start tapping.

What Exactly Is the Deal?

Wells Fargo is running a targeted promotion for some of its credit card holders. If you received the email, you can earn $10 back after making five tap-to-pay transactions. The offer is capped at $50 in total rewards, so if you have multiple eligible cards, you might be able to earn up to that amount. The promotion runs until December 15, 2026.

There's no public link to sign up—this is strictly a targeted offer sent via email. That means you need to have received the email to participate. The subject line is unknown, so you'll want to search your inbox for anything from Wells Fargo about tap to pay or contactless payments.

Who's Eligible for This Tap-to-Pay Bonus?

The short answer: it's unclear. The offer appears to be targeted, but we don't know if it's limited to specific Wells Fargo cards like the One Key cards or if it's available across all Wells Fargo credit cards. If you have any Wells Fargo credit card, it's worth checking your email to see if you got the offer.

Even if you didn't get an email, you might still want to check your account online or call customer service to ask if there's a targeted offer on your account. Sometimes these promotions show up in your online banking portal without an email.

How to Earn the $10 (and Avoid Missing Out)

If you have the offer, the steps are simple: use your Wells Fargo card or a digital wallet linked to it to make five tap-to-pay purchases before the deadline. Each transaction should count as long as it's a contactless payment. You don't need to spend a certain amount—just tap five times.

But here's the catch: you need to actually activate the offer if required. Some targeted offers require you to click a link in the email to enroll. If you don't enroll, your taps might not count. So read the email carefully and follow any instructions.

Also, keep in mind that the $50 limit is likely per card or per account. If you have multiple eligible cards, you might be able to earn $10 on each, up to $50 total. But again, this depends on the terms of your specific offer.

• Check your email for the offer and enroll if necessary.
• Use tap to pay for five separate transactions.
• Complete all taps by 12/15/26.
• Track your progress to ensure you meet the requirement.

Our Take: Is It Worth It?

This is a small bonus, but it's essentially free money if you already use tap to pay. Five taps are easy to do—you could knock it out in a single shopping trip. The $10 statement credit is a nice little perk, especially if you're not spending extra to get it.

However, if you don't normally use contactless payments, you might need to go out of your way. Still, with a deadline of December 15, 2026, you have plenty of time to make five small purchases. Just don't let the offer expire without using it.

One thing to watch: make sure the transactions post before the deadline. Sometimes pending charges can take a day or two to finalize, so don't wait until the last minute.

Bottom Line

• Targeted offer: check your email for a Wells Fargo tap-to-pay promotion.
• Earn $10 after 5 contactless transactions, up to $50 total.
• Offer expires 12/15/26.
• No direct link; you must receive the email to participate.
• Enroll if required, and complete taps before the deadline.

Common Questions