SuperMoney
  Wells Fargo Rewards Visa Card

Wells Fargo Rewards Visa Card

in Personal Credit Cards from Wells Fargo Bank

Unaffiliated

Wells Fargo Rewards Visa Card

Unaffiliated

in Personal Credit Cards from Wells Fargo Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Wells Fargo Rewards Visa Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 12.49% - 25.49%
Balance Transfer APR  (Variable APR) 12.49% - 25.49%
Credit Score Range 640 - 850
Annual Fee $0

Wells Fargo Rewards Visa Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get 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.
  • Competitive APRs. Wells Fargo Rewards Visa Card has a variable purchase APR that ranges from 12.49% up to 25.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback 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 3% on balance transfers, if you transfer the balance within 120 days of opening the account. For example, a balance of $1,000 could cost $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. Up to 5x points on eligible gas purchases.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Wells Fargo Rewards Visa Card
The Good The Bad
  • 15 months 0% introductory APR for purchases and balance transfers
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on their purchases.
  • Wells Fargo Rewards Visa Card reports to multiple credit bureaus.
  • Low points rewards after introductory period
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee, if you transfer the balance within 120 days of opening the account. After the introductory period, the fee is 5% of the balance transferred or $5, whichever is greater.
Wells Fargo Rewards Visa Card FAQ

Does Wells Fargo Rewards Visa Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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.

Wells Fargo Rewards Visa Card Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit N/A

Does Wells Fargo Rewards Visa Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Wells Fargo Rewards Visa Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Wells Fargo Rewards Visa Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 12.49% up to 25.49%. The card has a variable balance transfer APR that ranges from 12.49% up to 25.49%. It also has a variable cash advance APR that ranges from 23.99% up to 25.99%.

Does Wells Fargo Rewards Visa Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.

Wells Fargo Rewards Visa Card Balance Transfers
Description
Balance Transfer Fee Intro Period 120 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 12.49% - 25.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Wells Fargo Rewards Visa Card have an intro APR offer on new purchases?

Wells Fargo Rewards Visa Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the fees for Wells Fargo Rewards Visa Card?

The following fees apply:

Wells Fargo Rewards Visa Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

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 foreign transaction fees.

What is the customer service phone number for Wells Fargo Rewards Visa Card?

The Wells Fargo Rewards Visa Card customer service number is (800) 877-4833.

What is the support contact email for Wells Fargo Rewards Visa Card?

The support contact email for Wells Fargo Rewards Visa Card is corporateresponsibility@wellsfargo.com.

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

Yes, 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 may help improve your credit.

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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Wells Fargo Bank

Icon for Personal Credit Cards
View all personal credit cards offered by Wells Fargo Bank

Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Categories
  • Points on Travel
  • Points on Airfare
  • Points on Car Rentals
  • Points on Retail
  • Up to 5x Points on Drug Store Purchases up to $12500
  • Up to 5x Points on Gas up to $12500
  • Up to 5x Points on Groceries up to $12500
  • Points on Hotels
  • 1x Point on Every Purchase
  • Points on Entertainment
  • Points on Online
  • Points on Select Merchants
Cash Advance APR (Variable APR) 23.99% - 25.99%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 12.49% - 25.49%
Balance Transfer Fee % After Intro Period Up to 5%
Balance Transfer Fee Intro Period 120 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 12.49% - 25.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Zero Percent
Card Network Visa

Be the first to rate

 

Would you recommend Wells Fargo Rewards Visa Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards

Wells Fargo Bank Personal Credit Cards

Loading...