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Wells Fargo Visa Signature® Card review

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Advertiser Disclosure

Interest Rate: Purchases
12.49% ‐ 25.49% (Variable) (0% for the first 15 months)
Balance Transfer
12.49% ‐ 25.49% (Variable) (0% for the first 15 months)
1 point
Signup Bonus

Informr score
The Wells Fargo Visa Signature® Card currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Wells Fargo Visa Signature® Card is typically available to those with excellent 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...


The Wells Fargo Visa Signature Card offers valuable 5x points rewards for six months. With the 50% boost you’ll get by redeeming points for airfare, you can earn up to $937 toward future flights in that time. Still, beyond ongoing Visa Signature benefits, you’ll earn just 1 point per dollar with thi...

- Ryan Haar, NextAdvisor

The Wells Fargo Visa Signature® Card has a welcome bonus with a twist: Earn 5 rewards points per dollar on up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months (1 point per dollar thereafter). Points are worth 1 cent each for cash back, travel, gift cards and merchandi...

- Lee Huffman, Robin Saks Frankel, Forbes

The Wells Fargo Visa Signature card offers solid bonus-category rewards. And it stands apart for travelers by providing a 50% boost to the value of each point that’s redeemed for airfare. Frequent fliers looking to increase the redemption value they receive for flights through the GoFarRewards progr...

- Mitchell Strohm, Investopedia
The Points Guy

The Wells Fargo Visa Signature card is a simple travel rewards card with serious potential. You start off with a generous initial rewards offer and 15 months of interest-free financing. But to get really good long-term value from this card, you’ll need to use it for airfare redemptions to get 1.5 or...

- Jason Steele, The Points Guy

If you put a lot of miles on your car or regularly face steep grocery bills, the Wells Fargo Visa Signature card could be a worthwhile addition to your wallet, especially for the first six months. After that, the card’s bonus point categories go away, leaving you with just 1 percent rewards on gener...

- Kelli Bamforth,


Interest Rates
Regular APR Interest Rate 12.49% ‐ 25.49% (Variable) (0% for the first 15 months)

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

Balance Transfer Interest Rate 12.49% ‐ 25.49% (Variable) (0% for the first 15 months)

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

Cash Advance Interest Rate 23.99% ‐ 25.99% (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


Sign up bonus

Earn 5 points per $1 spent on gas, grocery, and drugstores for the first 6 months

All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

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): no blackout dates, no advance booking, and no minimum stay requirements

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Trip cancellation protection
  • Lost Luggage reimbursement
  • Cell Phone Protection
  • Overdraft Protection

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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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