Wells Fargo Rewards Visa Card
in Personal Credit Cards from Wells Fargo Bank
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| Balance Transfer APR (Variable APR) | 18.24% - 27.24% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 18.74% - 27.74% |
Wells Fargo Rewards Visa Card Review
Wells Fargo Rewards Visa Card is a cashback credit card issued by Wells Fargo Bank. 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.
- Generous reward rate. You will get a a rewards rate of up to 5x.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 27.74%.
- No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Wells Fargo Rewards Visa Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Gas rewards.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
| The Good | The Bad |
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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. With Wells Fargo Rewards Visa Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 5% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
Does Wells Fargo Rewards Visa Card have a signup bonus?
Wells Fargo Rewards Visa Card doesn't offer a cash signup bonus.Does Wells Fargo Rewards Visa Card offer an annual loyalty bonus?
Wells Fargo Rewards Visa Card doesn't offer a cash loyalty bonus.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
- Zero 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?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Wells Fargo Rewards Visa Card has higher than average purchase APRs.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 18.24% up to 27.24%. It also has a variable cash advance APR that ranges from 26.24% up to 28.24%.
Does Wells Fargo Rewards Visa Card have an introductory APR offer on balance transfers??
Yes, Wells Fargo Rewards Visa Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.
| Description | |
|---|---|
| Balance Transfer APR | 18.24% - 27.24% |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period (months) | 15 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
Does Wells Fargo Rewards Visa Card have an introductory APR offer on new purchases??
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.
What are the Wells Fargo Rewards Visa Card fees?
The following fees apply to Wells Fargo Rewards Visa Card:
| Fees | Amount |
|---|---|
| Annual Fee | up to $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $37 |
| Late Payment Fee | up to $37 |
Does Wells Fargo Rewards Visa Card have a foreign transaction fee?
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.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 on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for Wells Fargo Rewards Visa Card
- Visit the Wells Fargo Rewards Visa Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- 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.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
420 Montgomery Street
San Francisco, CA 94104 - Visit Site
Other Services by Wells Fargo Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Every Purchase (Points) | 1 point for each $1 spent on other net purchases with your car |
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