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  Wells Fargo Visa Signature Card

Wells Fargo Visa Signature Card

in Personal Credit Cards from Wells Fargo Bank

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Wells Fargo Visa Signature Card

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in Personal Credit Cards from Wells Fargo Bank

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Balance Transfer APR  (Variable APR) 14.24% - 27.24%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.24% - 27.24%

Wells Fargo Visa Signature Card Review

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

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of 5 points per dollar spent.
  • 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 Visa Signature Card has a variable purchase APR that ranges from 14.24% up to 27.24%.
  • No annual fee. This is a great option 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 Visa Signature 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, access to a concierge, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Wells Fargo Visa Signature Card Pros and Cons:

The Good The Bad
  • 5 full years to use the points you earn
  • No annual fee
  • 50% more value when redeemed for airfare. Combined with the introductory offer of 5 x rewards for the first 6 months, this is where cardholders can really rake in benefits.
  • Points can be gifted to others, or pooled to reach a mutual goal.
  • 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.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Wells Fargo Visa Signature Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Unlike many cards with travel benefits, this one comes with a foreign transaction fee.
  • Low points rewards after introductory offer.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.

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

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

Wells Fargo Visa Signature Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Wells Fargo Visa Signature Card have a signup bonus?

Wells Fargo Visa Signature Card doesn't offer a cash signup bonus.

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

Wells Fargo Visa Signature Card doesn't offer a cash loyalty bonus.

What are the Wells Fargo Visa Signature Card benefits?

Wells Fargo Visa Signature Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Wells Fargo Visa Signature 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 Visa Signature Card has lower than average purchase APRs.

Wells Fargo Visa Signature Card has a variable purchase APR that ranges from 14.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 27.24%. It also has a variable cash advance APR that ranges from 25.74% up to 27.74%.

Does Wells Fargo Visa Signature Card have an introductory APR offer on balance transfers?

Yes, Wells Fargo Visa Signature Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Wells Fargo Visa Signature Card Balance Transfers
Description
Balance Transfer APR 14.24% - 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 Visa Signature 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.

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

What are the fees for Wells Fargo Visa Signature Card?

The following fees apply to Wells Fargo Visa Signature Card:

Wells Fargo Visa Signature Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $37
Late Payment Fee up to $37

Does Wells Fargo Visa Signature Card have a foreign transaction fee?

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

Wells Fargo Visa Signature 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 Visa Signature Card

  • Visit the Wells Fargo Visa Signature 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.

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...

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

Gas (Points) 5
Every Purchase (Points) 1x rewards point for each $1 spent on other purchases with your card
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 (%) 5%
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
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 700 - 850
Card Type
  • Balance Transfer
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Travel
  • Zero Percent
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Free FICO Score  
Bonus Rewards 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months
Rewards Categories
  • Airfare
  • Drug Store Purchases
  • Every Purchase
  • Gas
  • Groceries
  • Retail
  • Travel
Rewards Type Points
Cash Advance APR (Variable APR) 25.74% - 27.74%
Purchase APR (Variable APR) 14.24% - 27.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 14.24% - 27.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Wells Fargo Visa Signature Card Community Reviews

 

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