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Wells Fargo Credit Cards

With its origins dating back to the Gold Rush, Wells Fargo has been a staple of American banking for over 160 years. Its credit card range is concise yet versatile, offering products with rewards programs and other benefits to customers across the credit spectrum. Compare Wells Fargo credit card offers below.


June 21, 2019

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  9.24% to 14.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR  9.24% to 14.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • No annual fee
  • • Up to 200 additional cards at no extra cost
  • • Earn 1.5% cash back on every $1 spent
  • • Earn 1 point on every $1 spent
  • • Receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing pe
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 9.24% to 14.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 9.24% to 14.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Varies based on your specific offer
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $75
     Return Payment Penalty Fee: $29
     Over Limit Penalty Fee: Up to $75
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

June 21, 2019

Wells
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Mastercard
  • Annual Fee  $25 per card
  • Regular Purchase APR  17.15% variable based on the Prime Rate
  • Balance Transfer APR  17.15% variable based on the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • Perfect for companies with little or no credit history
  • • No foreign transaction fees
  • • Up to 10 employee cards
  • • Earn 1 point on every $1 spent
  • • Receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 17.15% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 17.15% variable based on the Prime Rate
     Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: $25 per card
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $50
     Return Payment Penalty Fee: $29
     Over Limit Penalty Fee: None
     Minimum Deposit Required: $500
     Credit Needed: Poor , No Credit Required

June 20, 2019

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.14% to 23.24% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 9 months from account opening date
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No annual fee
  • • No foreign transaction fees
  • • Earn 1.5% cash back on every $1 spent
  • • Choice of cash back or rewards points
Rates & Fees
     Intro Purchase APR: 0% for 9 months from account opening date
     Regular Purchase APR: 13.14% to 23.24% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for the first 9 months from account opening date
     Balance Transfer APR: N/A
     Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $50
     Return Payment Penalty Fee: $29
     Over Limit Penalty Fee: $39
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 29, 2018

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  13.14% to 23.15% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 6 months.
  • Balance Transfer APR  13.14% to 23.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Poor , No Credit Required


Best Benefits
  • • 0.00% introductory APR for 6 months on purchases and balance transfers
  • • 3% cash rewards on gas, grocery, and drugstore purchases for the first 6 months, 1% cash rewards on virtually all other purchases
  • • Build credit history while you’re in college
  • • Access your FICO® Credit Score, credit education and tools with Wells Fargo Online®
Rates & Fees
     Intro Purchase APR: 0% for 6 months.
     Regular Purchase APR: 13.14% to 23.15% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% APR for 6 months on balance transfers made within 120 days from account opening
     Balance Transfer APR: 13.14% to 23.15% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Poor , No Credit Required

August 29, 2018

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  18.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 15 months
  • Balance Transfer APR  18.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on the Prime Rate
  • Credit Needed  Excellent


Best Benefits
  • • 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases
  • • 0% introductory APR for 15 month on purchases and balance transfers
  • • Flexibility to use points toward travel, gift cards, merchandise, cash redemption, and more
  • • Account protection features such as Zero Liability for promptly reported unauthorized transactions, rapid alerts , cell phone protection
Rates & Fees
     Intro Purchase APR: 0% for 15 months
     Regular Purchase APR: 18.49% to 27.49% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 120 days from account opening
     Balance Transfer APR: 18.49% to 27.49% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% to 27.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent

August 29, 2018

Wells
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Processing Network
Visa
  • Annual Fee  $25
  • Regular Purchase APR  20.99% variable based on the Prime Rate
  • Balance Transfer APR  20.99% variable based on the Prime Rate
  • Cash Advance APR  25.99% variable based on the Prime Rate
  • Credit Needed  Poor


Best Benefits
  • • Card activity is shared with major credit bureaus to help build credit history
  • • Your security deposit is equal to your credit line – if you deposit $300, your credit line is $300
  • • Available to both U.S. citizens, permanent residents, and nonresident aliens
  • • Sort your monthly expenses against your budget with free access to budgeting and tracking tools: My Spending Report and Budget Watch through My Money Map
Rates & Fees
     Intro Purchase APR: N/A
     Regular Purchase APR: 20.99% variable based on the Prime Rate
     Intro Balance Transfer APR: N/A
     Balance Transfer APR: 20.99% variable based on the Prime Rate
     Balance Transfer Transaction Fee: Up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: None
     Annual Fee: $25
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: $300
     Credit Needed: Poor

August 29, 2018

Wells
Learn More
Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  14.49% to 27.49% variable based on the Prime Rate
  • Intro Purchase APR  0% for 15 months
  • Balance Transfer APR  14.49% to 27.49% variable based on the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • 0.00% Introductory APR for 15 months on purchases and balance transfer
  • • 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases
  • • 50% more value when redeemed for airfare (for instance, 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption)
  • • Free access to your FICO® Credit Score with Wells Fargo Online®
Rates & Fees
     Intro Purchase APR: 0% for 15 months
     Regular Purchase APR: 14.49% to 27.49% variable based on the Prime Rate
     Intro Balance Transfer APR: 0% for 15 months on transfers made within 120 days from account opening
     Balance Transfer APR: 14.49% to 27.49% variable based on the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% to 27.99% variable based on the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 15, 2018

Wells
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Processing Network
American Express
Terms & Conditions, Terms Apply
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months from account opening
  • Balance Transfer APR  15.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • Earn 3X points on dining, travel, gas stations, and streaming services
  • • Earn 1 rewards point per U.S. dollar spent on other purchases
  • • Rewards points earning is unlimited and points do not expire as long as your account remains open
  • • Enjoy cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo credit card
  • • Receive complimentary discounts or food and beverage items at participating restaurants
Rates & Fees
     Intro Purchase APR: 0% for 12 months from account opening
     Regular Purchase APR: 15.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on qualifying transfers made within 120 days from account opening
     Balance Transfer APR: 15.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each transfer, with a minimum of $5
     Cash Advance APR: 25.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: None
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

August 15, 2018

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  15.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 12 months
  • Balance Transfer APR  15.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • • 1.5% cash rewards on everyday purchases
  • • 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) du
Rates & Fees
     Intro Purchase APR: 0% for 12 months
     Regular Purchase APR: 15.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 12 months on transfers made within 120 days from account opening
     Balance Transfer APR: 15.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 12 months. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: None
     Annual Fee: None
     Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: None
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

July 30, 2018

Wells
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Processing Network
Visa
  • Annual Fee  None
  • Regular Purchase APR  17.49% to 26.99% variable based on creditworthiness and the Prime Rate
  • Intro Purchase APR  0% for 18 months from account opening date
  • Balance Transfer APR  17.49% to 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR  25.99% to 27.99% variable based on creditworthiness and the Prime Rate
  • Credit Needed  Excellent , Good


Best Benefits
  • • No interest paid with 0% APR for the first 18 months of account opening
  • • Zero Liability protection ensures that cardholders are not held responsible for unauthorized transactions when promptly reported
  • • Comprehensive travel protection includes accident insurance, cell phone protection, and auto rental collision damage waiver
  • • Ideal for paying down balances and large purchases that need to be paid over time
  • • Free access to FICO® Credit Score
Rates & Fees
     Intro Purchase APR: 0% for 18 months from account opening date
     Regular Purchase APR: 17.49% to 26.99% variable based on creditworthiness and the Prime Rate
     Intro Balance Transfer APR: 0% for 18 months on transfers made within 120 days from account opening date
     Balance Transfer APR: 17.49% to 26.99% variable based on creditworthiness and the Prime Rate
     Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the balance transfer amount, whichever is greater, for 18 months. After that, up to 5% for each balance transfer, with a minimum of $5
     Cash Advance APR: 25.99% to 27.99% variable based on creditworthiness and the Prime Rate
     Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
     Penalty APR: N/A
     Annual Fee: None
     Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
     Late Payment Penalty Fee: Up to $37
     Return Payment Penalty Fee: Up to $37
     Over Limit Penalty Fee: N/A
     Minimum Deposit Required: N/A
     Credit Needed: Excellent , Good

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