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  Wells Fargo Visa Signature Card

Wells Fargo Visa Signature Card

in Personal Credit Cards from Wells Fargo Bank

Unaffiliated

Wells Fargo Visa Signature Card

Unaffiliated

in Personal Credit Cards from Wells Fargo Bank

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

Wells Fargo Visa Signature Card Review

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

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of Wells Fargo Visa Signature Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Free access to your credit score.
  • Price Protection.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • Trip Cancellation Insurance.
  • Earn rewards on every purchase.
  • Wells Fargo Visa Signature Card reports to multiple credit bureaus.
  • 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.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Unlike many cards with travel benefits, this one comes with a foreign transaction fee.
  • Low points rewards after introductory offer.
  • 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?

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

    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 Balance Transfers
    Description
    Balance Transfer APR 14.24% - 27.24%
    Introductory Rate 0%
    Intro APR period (months) 15
    Wells Fargo Visa Signature Card Rates & Terms
    Description
    Balance Computation N/A
    Purchase APR 14.24% - 27.24%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 25.74% - 27.74%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 15

    What are the Wells Fargo Visa Signature Card fees?

    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%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    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

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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
    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Late Fee Amount Up to $37
    Minimum Interest Charge $1
    Returned Payment Fee Up to $37
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Balance Transfer
    • Bonus Offers
    • Cashback
    • Gas
    • Rewards
    • Travel
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    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
    Emergency Support  
    Extended Warranty  
    Fraud Liability  
    Free FICO Score  
    Lost Luggage Insurance  
    Travel Insurance  
    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
    Cash Advance APR (Variable APR) 25.74% - 27.74%
    Purchase APR (Variable APR) 14.24% - 27.24%
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 14.24% - 27.24%
    Intro APR period 15
    Introductory Rate 0%

    Wells Fargo Visa Signature Card Community Reviews

     

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