Wells Fargo Rewards® Card review

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Advertiser Disclosure

Interest Rate: Purchases
18.49% ‐ 27.49% (Variable) (0% for the first 15 months)
Balance Transfer
18.49% ‐ 27.49% (Variable) (0% for the first 15 months)
Rewards
1 - 5 points
Signup Bonus
20000 points (after spending $1,000)


7.8/10
Informr score
The Wells Fargo Rewards® Card currently has an Informr score of 7.8 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Wells Fargo Rewards® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Finder

The Wells Fargo Rewards Card is a gas-and-groceries rewards card that comes with no annual fee and flexible redemption for cash or airline miles. 

- Finder team, Finder
Bankrate

The Wells Fargo Rewards Card isn’t a bad choice for a new credit card, it just may not be your best one. It comes with a just-OK introductory 15-month 0% APR on purchases and balance transfers. The card also gives wide latitude in how you can redeem your points, from travel, gift card or cash.

- Robin Saks Frankel, Bankrate
HighYa

This card is best for someone who is looking for a good cash-back offer and doesn’t plan on using the card longer than one year.

- J.R. Duren, HighYa
CreditShout

There may be better travel rewards cards out there. But, overall, this card offers a solid welcome offer, a decent rewards program, and a perk that no one else seems to have -- cell phone accident protection.

- Dan Rafter, CreditShout
Money Crashers

The Wells Fargo Rewards Visa® Card is useful for regular flyers who have (or don’t mind opening) Wells Fargo deposit accounts, spend heavily in categories favored by the sign-up bonus, and plan to finance large purchases or transfer balances. 

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 18.49% ‐ 27.49% (Variable) (0% for the first 15 months)

 This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.49% ‐ 27.49% (Variable) (0% for the first 15 months)

 This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99% ‐ 27.99% (Variable)

 This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5


5% after 12 months

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus 20000 points after spending $1,000
  • On purchases within the first 3 months.
  • Online Only Promotion
Rewards
All Purchases 1 point per $1 spent
Restaurants No
Gas 5 points per $1 spent

On purchases within the first 6 months, then 1 point.

Groceries 5 points per $1 spent

On purchases within the first 6 months, then 1 point.

Hotels No
Travel No
Pharmacy 5 points per $1 spent

On purchases within the first 6 months, then 1 point.

Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits
  • Cell phone protection
  • Roadside dispatch
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Finder

A no-frills rewards card

from Finder

The Wells Fargo Rewards Card is a gas-and-groceries rewards card that comes with no annual fee and flexible redemption for cash or airline miles. 

Read full review

The Wells Fargo Rewards Card is a gas-and-groceries rewards card that comes with no annual fee and flexible redemption for cash or airline miles. 

Read full review

Less

Bankrate

The intro rewards are nice, but you'll probably score better ongoing rewards elsewhere

from Bankrate

The Wells Fargo Rewards Card isn’t a bad choice for a new credit card, it just may not be your best one. It comes with a just-OK introductory 15-month 0% APR on purchases and balance transfers. The card also gives wide latitude in how you can redeem your points, from travel, gift card or cash.

Read full review

The Wells Fargo Rewards Card isn’t a bad choice for a new credit card, it just may not be your best one. It comes with a just-OK introductory 15-month 0% APR on purchases and balance transfers. The card also gives wide latitude in how you can redeem your points, from travel, gift card or cash.

Read full review

Less

HighYa

An average credit card with good introductory rewards

from HighYa

This card is best for someone who is looking for a good cash-back offer and doesn’t plan on using the card longer than one year.

Read full review

This card is best for someone who is looking for a good cash-back offer and doesn’t plan on using the card longer than one year.

Read full review

Less

CreditShout

Offers an adequate rewards program with no annual fee

from CreditShout

There may be better travel rewards cards out there. But, overall, this card offers a solid welcome offer, a decent rewards program, and a perk that no one else seems to have -- cell phone accident protection.

Read full review

There may be better travel rewards cards out there. But, overall, this card offers a solid welcome offer, a decent rewards program, and a perk that no one else seems to have -- cell phone accident protection.

Read full review

Less

Money Crashers

A solid card for regular flyers with Wells Fargo accounts

from Money Crashers

The Wells Fargo Rewards Visa® Card is useful for regular flyers who have (or don’t mind opening) Wells Fargo deposit accounts, spend heavily in categories favored by the sign-up bonus, and plan to finance large purchases or transfer balances. 

Read full review

The Wells Fargo Rewards Visa® Card is useful for regular flyers who have (or don’t mind opening) Wells Fargo deposit accounts, spend heavily in categories favored by the sign-up bonus, and plan to finance large purchases or transfer balances. 

Read full review

Less

User Reviews


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