FAQs on Wells Fargo Credit Cards
What is the best Wells Fargo card?
It all depends on your lifestyle and how you plan to use it. However, if you have moderate travel or dining expenses, the Wells Fargo Propel American Express® Card is the best Wells Fargo credit card for you. However, flat rate cash back cards like Wells Fargo Cash Wise Visa® Card are great for people who don't spend in those bonus categories.
Which is the most recommended Wells Fargo credit card?
The customer rating of Wells Fargo credit cards is constantly changing. Check the current rating of the top Wells Fargo cards by checking the list above.
What credit score do I need for a Wells Fargo Credit Card?
You'll need an excellent credit score (750+) to qualify for the Visa Signature and Rewards cards. A minimum good credit (700-749) is required for the Cash Wise Visa, Platinum, and Propel American Express cards. If you have bad credit (640), you'll likely qualify for the Cash Back College Card.
How do I know if I got approved for a Wells Fargo credit card?
You can check your Wells Fargo credit card application status online or by calling 1-800-967-9521. If you're already a Wells Fargo customer, all you need is your username and password. It should only take a few minutes to check your status and find out whether your application is approved, denied or still pending.
How do I get a Wells Fargo credit limit increase?
You can get a Wells Fargo credit limit increase by calling customer service at 1-800-642-4720. There is no option to request a Wells Fargo credit limit increase online. It’s best to not make a request until you’ve had your card for at least 6 months, and only if you’ve paid your bill on time every month.
Who does Wells Fargo use for credit score?
Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Your state may factor into which credit bureau Wells Fargo uses when it pulls your credit report. Wells Fargo doesn't publicly disclose if it uses one of the three credit bureaus more than the others.
What is the annual fee for Wells Fargo credit cards?
Each Wells Fargo credit card has its own terms, but most of them do not charge an annual fee. Those that do charge an annual fee include the Wells Fargo Propel 365 American Express Card, the Wells Fargo Secured Credit Card, and the Wells Fargo Business Secured Credit Card.
What is the APR on a Wells Fargo credit cards?
The APR on a Wells Fargo credit card will vary based on the card you choose, your creditworthiness, and the U.S. Prime Rate. Most cards have APR rates that range from around 15% for the top-qualified applicants to around 25% for those who are least-qualified. You can look up the card you are most interested in to find the range of rates, and you'll need to apply to find out which rate you will get.
How do Wells Fargo rewards work?
Wells Fargo rewards vary depending on the card. However, they fall into two categories, cash back and general rewards. Cashback cards have rewards rate that range from 1% to 1.5% on all purchases. Certain cards earn up to 5 percent on bonus categories like dining, gas and groceries.
Rewards and cashback cards are all part of Wells Fargo's Go Far program. These cards earn one point per net dollar on all purchases and up to five points on bonus categories. If you shop at Well Fargo's retail partners through its Earn More Mall program, you can earn up to 10 points per dollar. Go Far Rewards points can be redeemed in a variety of ways, including credit toward Wells Fargo loans, travel, gift cards, and merchandise.
How much money are Wells Fargo reward points worth?
Wells Fargo rewards points have a value of 1 cent per point. For example, a $50 gift card costs 5,000 points. Cash back rewards are interchangeable with points. What's more, cardholders with cash back rewards cards are automatically assigned a Go Far Rewards account. With Go Far Rewards, you can purchase rewards points with cash at a one-point-to-1-cent ratio.
Do Wells Fargo rewards expire?
There is no limit to the amount of rewards points you can with Wells Fargo, but they do expire three (business cards) to five years (personal cards) after you earn them depending on the type of card.
What are the best Wells Fargo credit card deals?
Wells Fargo's credit card lineup provides three major deals: generous rewards, cashback signup bonus, and low intro APR. However, Wells Fargo also offers perks that few other issuers include, such as the ability to redeem credit card rewards directly from an ATM and complimentary cellphone protection with certain credit cards.Note that the rewards, bonuses, and perks available can change at any time. Check our list of best Wells Fargo cards above for the latest deals available.
Which Wells Fargo credit card is easiest to get?
The easiest credit card to get is, by far, the Wells Fargo Secured Card. Even if you have bad credit you can qualify. However, you do need to make a refundable security deposit to get one.