Wells Fargo Rewards Visa Card Review

Wells Fargo Rewards Visa Card is a cashback credit card issued by Wells Fargo Bank. 

Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.

If you're wondering whether Wells Fargo Rewards Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Wells Fargo Rewards Visa Card

Pros	Cons
0% introductory APR for purchases and balance transfers 5 years to use points before they expire. No annual fee.	Low points rewards after introductory period.

Is there a Wells Fargo Rewards Visa Card cash back or rewards program?

Wells Fargo Rewards Visa Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

This card features rewards for purchases in the following categories:

• Drug Stores
• Every Purchase
• Gas
• Groceries

Wells Fargo Rewards Visa Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus Spend Requirement	$0

What are the Wells Fargo Rewards Visa Card benefits?

Wells Fargo Rewards Visa Card provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Fraud Liability
• Travel Accident Insurance
• Cellular Telephone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Wells Fargo Rewards Visa Card?

Wells Fargo Rewards Visa Card has a variable purchase APR that ranges from 18.74% up to 27.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 27.74%.

It also has a variable cash advance APR that ranges from 26.24% up to 28.24%.

What are the Wells Fargo Rewards Visa Card fees?

No Annual Fee. Wells Fargo Rewards Visa Card does not charge an annual fee.

3% Foreign transaction fees. Wells Fargo Rewards Visa Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

The following fees apply to Wells Fargo Rewards Visa Card:

Wells Fargo Rewards Visa Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Balance Transfer Fee	5%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	up to $37
Late Payment Fee	up to $37

Does Wells Fargo Rewards Visa Card report your account activity to credit bureaus?

Wells Fargo Rewards Visa Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Wells Fargo Rewards Visa Card

• Visit the Wells Fargo Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.