Wells Fargo Credit Card
Wells Fargo Credit Card is with zero annual fee, attractive rewards, welcome bonus, benefits and perks. Credit card limit may range from $ 1,000 to $20,000. These credit cards are powered by Visa, you can use anywhere Visa is accepted. You can withdraw at ATM by using these cards and daily limit of cash advance is usually $300. Wells Fargo requires proof of income, excellent credits score and social security number to apply for card. Wells Fargo is old financial institution of USA. Wells Fargo issue many types of card, we will discuss all one by one.
Wells Fargo Active Cash Card has zero annual fees. You can avail products with defer payment of fifteen months with zero mark up. User will earn 2% unlimited reward at every kind of purchase. This card have handsome welcome bonus, just spend $1,000 during first 90 days of card membership and get $200 as a welcome bonus. Card holder also enjoy 0$ balance transfer fee but this transfer should be made with 120 days of card membership.
All Wells Fargo Credit Card
Wells Fargo Active Cash Card

Earn 2% Unlimited Cash Back Reward with this amazing credit card
- Welcome Bonus Get $200 cash reward after spending $500 during first 3 months.
- Annual Fee $0
- APR 19.24% to 29.24% Variable.
- Intro APR 0% Intro APR for 12 months at qualifying purchases and balance transfer.
- Balance Transfer Fee Intro Fee is 3% within 120 days after that 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee 3%
Wells Fargo Autograph Journey Card

Earn 5X at hotel, 4X at airlines & restaurants, 1X at all other purchases
- Welcome Bonus Get 60,000 bonus points after spending $4,000 during 3 months.
- Annual Fee $95
- APR 20.24% to 29.24% Variable.
- Intro APR Not available.
- Balance Transfer Fee Intro Fee is 3% within 120 days after that 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee None
- %50 annual Statement Credit.
Wells Fargo Autograph Card

Earn 3X at restaurants, gas stations, transits, 1X at all other purchases
- Welcome Bonus Get 20,000 bonus points after spending $1,000 during first 3 months.
- Annual Fee $0
- APR 19.24% to 29.24% Variable.
- Intro APR Not available.
- Balance Transfer Fee Intro Fee is 3% within 120 days after that 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee None
- Late Payment penalty is $40
Wells Fargo Reflect Card

This card does not have attractive cash back or bonus rewards
- Welcome Bonus This card does not have attractive welcome bonus.
- Annual Fee $0
- APR 17.24% to 28.99% Variable.
- Intro APR 0% Intro APR for 21 months at qualifying purchases and balance transfer.
- Balance Transfer Fee Balance Transfer Fee is 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee 3%
Wells Fargo Attune Card

4% unlimited cash at Gym, saloon, spas, sports, recreation, 1% at all other
- Welcome Bonus Get $100 cash back after $500 purchases during first 3 months.
- Annual Fee $0
- APR 19.24% to 29.24% Variable.
- Intro APR Not available.
- Balance Transfer Fee Intro Fee is 3% within 120 days after that 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee 3%
- 4% cash back at electric vehicle charging
Wells Fargo Bilt Master Card

Earn 2X at travel purchases, 3X at dining and 1% at other purchases
- Welcome Bonus Get 1% at rent payment up to 100,000 points each year.
- Annual Fee $0
- APR 20.49% to 28.49% Variable.
- Intro APR Not available.
- Balance Transfer Fee Balance Transfer Fee is 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee None
- Late Payment penalty is $40
Wells Fargo One Key Card

3% at Expedia, Hotels.com, Vrbo, gas stations, groceries, 1.5% all other
- Welcome Bonus Get $400 in One Key Cash after spending $1,000 for 3 months.
- Annual Fee $0
- APR 19.24% to 29.24% Variable.
- Intro APR No offer.
- Balance Transfer Fee 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee None
- After spending $15,000 each year, you will get 15% more at 10,000 hotels worldwide.
Wells Fargo One Key+ Card

3% at Expedia, Hotels.com, Vrbo, gas stations, groceries, 2% all other
- Welcome Bonus Get $600 in One Key Cash after spending $3,000 for 3 months.
- Annual Fee $0
- APR 19.24% to 29.24% Variable.
- Intro APR Not available.
- Balance Transfer Fee 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee None
- After spending $30,000 each year, you will get 20% more at 10,000 hotels worldwide.
Wells Fargo Choice Privileges Master Card

5X at Choice hotels, 3X at gas stations, groceries, 1% at other purchases
- Welcome Bonus Get 40,000 Bonus points after spending $1,000 in first 3 months.
- Annual Fee $0
- APR 19.99% to 29.24% Variable.
- Intro APR Not available.
- Balance Transfer Fee 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee None
- Get 3% rewards at home improvement, stores and phone plan services.
Well Fargo Choice Privileges Select Master Card

5X points at gas stations, groceries, 1X at all other purchases.
- Welcome Bonus 10X Points at participating Choice Hotel properties, Plus on Choice Privilege Point purchases.
- Annual Fee $95
- APR 19.99% to 29.24% Variable.
- Intro APR No offer.
- Balance Transfer Fee 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee None
Wells Fargo Signify Business Cash Card

Get 2% unlimited cash back reward. No limit of category or amount.
- Welcome Bonus Get $500 cash back rewards after spending $5,000 during first 3 months of account opening.
- Annual Fee $0
- APR 17.49% to 25.49% Variable.
- Intro APR 0% Intro APR for 12 months,
- Balance Transfer Fee 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee 3%
Why Choose a Wells Fargo Credit Card?
Wells Fargo credit cards offer several advantages, making them a popular choice for consumers. Here’s why you might want to consider a Wells Fargo credit card:
Wide Range of Card Options
Wells Fargo offers different types of credit cards, including:
Cashback cards – Ideal for those who want rewards on everyday purchases.
Travel rewards cards – Perfect for frequent travelers looking for points and perks.
Balance transfer cards – Designed for those who want to consolidate debt with a low-interest rate.
Competitive Rewards Programs
Many Wells Fargo credit cards come with cashback or rewards points that can be redeemed for travel, gift cards, or statement credits.
Strong Security Features
Wells Fargo provides security features such as zero-liability protection, fraud monitoring, and contactless payment options to ensure safe transactions.
Top Wells Fargo Credit Cards
If you’re considering a Wells Fargo credit card, here are some of the top options available:
Wells Fargo Active Cash® Card
Key Features
Unlimited 2% cashback on all purchases.
$200 welcome bonus after spending $500 in the first three months.
0% intro APR for 15 months on purchases and balance transfers.
Wells Fargo Autograph℠ Card
Key Features
3X points on dining, travel, gas stations, transit, streaming services, and phone plans.
1X points on all other purchases.
No annual fee and 0% APR for the first 12 months.
Wells Fargo Reflect® Card
Key Features
0% intro APR for up to 21 months (the longest offer from Wells Fargo).
Best for balance transfers and reducing interest payments.
No annual fee.
How to Apply for a Wells Fargo Credit Card
Applying for a Wells Fargo credit card is simple. Follow these steps:
Check Your Eligibility
Before applying, ensure you meet the minimum requirements:
Good to excellent credit score (typically 670+).
A steady source of income.
U.S. residency and age of 18 or above.
Gather Required Documents
You’ll need:
Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
Proof of income (pay stubs, tax returns).
A valid U.S. address.
Submit an Online Application
Visit the Wells Fargo website and choose the card you want. Fill in your details and submit the application. You’ll usually get an instant decision or be notified within a few days.
Additional Benefits:
With this card you got following additional benefits.
- Cell Phone Protection
For getting cell phone protection you have to pay $25 and protection up to $600.
- Zero Liability Protection
With this facility, when you have reported fraud. You will not be liable for any unauthorized transaction.
- Mobile App
You will also get mobile app with this card.
- Security Feature
This card has two steps verification at sign up.
- Credit Score Close Up
You can track your FICO score in shape of monthly updates. This facility is helpful for improving your score.
- Redeem earned Rewards
You can redeem your earned rewards for purchases and also at PayPal.
- Redeem Rewards at ATM
You have facility to redeem rewards at ATM for cash withdrawal.
- Redeem Rewards for gift Card
Earned rewards can be redeemed for buying gift cards.
- Visa Signature Privileges
With this card you can enjoy Visa Signature Privileges such as Concierge Services and luxury hotel collections.
Rewards:
You can earn 2% unlimited rewards at every purchase.
Welcome Bonus:
For getting welcome bonus, just spend $1,000 during first
90 days of card membership and earn $200..
Annual Fee:
This card has no annual fee.
Intro APR:
This card have 0% for 15 month..
Regular APR:
Regular APR at this card is 19.25% to 29.50% that is
variable.
Balance Transfer Fee:
Balance transfer fee at this card is 0.00% but this
transfer should be 120 days of card membership.
Foreign Transaction Fee:
Foreign Transaction Fee at this card is at 3%.
Credit Needed:
To get this card you have need good or excellent credit
score history. Credit score of 700 or plus is needed.
Wells Fargo Business Platinum Credit Card:
Wells Fargo Business Platinum Credit Card offer 1.5% unlimited cash back reward at qualifying purchases. In simple words you will earn 1 reward point for every dollar spent. But for earning rewards condition is that you have to spend $1,000 each month. You can earn welcome bonus of worth $300 in shape of cash back after spending $3,000 during first 3 months of card membership. Card holder can enjoy products at deferred payment for nine months with zero mark up. This business card is best for your business also for your employees. Your 99 employees can avail free card facility.
Additional Benefits:
With this card you got following additional benefits.
1. Zero Liability Protection
2. Fraud Monitoring
3. Transaction Alerts
4. Auto Rental Insurance
5. Travel Accident Insurance
6. Overdraft Protection
7. Chip Embedded Technology
8. Online banking
For reporting purpose following features are available.
1. Analyze spending
2. Track spending at merchants
3. Identify cost savings
Print reports
Rewards:
You can earn 1.5% unlimited cash back rewards at qualifying purchases.
Welcome Bonus:
For getting welcome bonus, just spend $3,000 during first 3 months to get $300 or 30,000 bonus points.
Annual Fee:
This card has no annual fee.
Intro APR:
This card has 0% for 09 month.
Regular APR:
Regular APR at this card is 19.25% to 29.50% that is variable.
Balance Transfer Fee:
Balance transfer facility is not available with this card.
Foreign Transaction Fee:
Foreign Transaction Fee at this card is at 0%.
Credit Needed:
To get this card you have need good or excellent credit score history. Credit score of 700 or plus is needed.
Wells Fargo Business Elite Signature Card
Wells Fargo Business Elite Signature Card is specially designed for emerging business. With this card business owners can get $1,000 cash bonus or 100,000 bonus points with spending $10,000 during first three months of card membership. This card has opportunity to earn 1.5% cash back at qualifying purchases. This card comes with zero annual fees at first year, afterward $125 will be charged. But this cost will be offset with its benefits. With this card you can get 200 free cards for your employees.
Additional Benefits:
With this card you got below mention additional benefits.
1. Travel Protection (You will get up to $250,000)
2. Travel Accidental Insurance (You will get up to $2,500 per ticket)
3. Trip Cancellation (You will get up to $300 per ticket)
4. Trip Delay Reimbursement (You will get up to $300 per ticket)
5. Lost Luggage Coverage (You will get up to $3,000 per trip)
6. Auto Rental Insurance
7. Travel and Emergency Assistance Service
8. Purchase Protection
9. Chip Enabled Technology Card
10. Transaction Alerts
11. Fraud Monitoring
12. Visa Purchase Security
13. Visa Extended Warranty Protection
14. Billing options
15. Cash Management Tools
Reporting Tools
Rewards:
You can earn 1.5% unlimited rewards at qualifying purchases.
Welcome Bonus:
For getting welcome bonus, just spend $10,000 during first 90 days of card membership and earn $1,000 cash back bonus or 100,000 bonus points.
Annual Fee:
This card has no annual fee for first year, after that $125 will be charged each year.
Intro APR:
This card does not offer Intro APR, because it is especially for businesses.
Regular APR:
Regular APR at this card is 19.25% to 29.50% that is variable.
Balance Transfer Fee:
Balance transfer facility is not available with this card.
Foreign Transaction Fee:
Foreign Transaction Fee at this card is at 0%.
Credit Needed:
To get this card you have need good or excellent credit score history. Credit score of 700 or plus is needed.
Wells Fargo Autograph Card
Wells Fargo Autograph Card is most famous card of the market. A card with handsome rewards, sign up bonus, $0 annual fee, outstanding benefits & perks. Card holder can earn 3X points at restaurants, travel gas stations, transits and cell phone purchases. Beauty of this card it does not have any annual fee or foreign transaction fee. You can get 20,000 bonus points as welcome bonus after spending just $1,000 during first ninety days.
Additional Benefits:
With this card you got below mention additional benefits.
1. Cell Pone Protection (You have to pay one time $25 to get up to $600 in case of damage or theft).
2. Auto rental collision damage waiver
3. Travel & emergency service assistance
4. Emergency cash disbursement
5. Card replacement
6. Concierge Services
7. My Wells Fargo Deal
8. Zero liability protection
9. Luxury hotel collection
You can redeem rewards for;
· Travel
· Gift cards
· Purchases
· PayPal
Rewards:
You can earn 1.5% unlimited rewards at qualifying purchases.
Welcome Bonus:
For getting welcome bonus, just spend $1,000 during first 90 days of card membership and earn 20,000 bonus points that have worth of $200.
Annual Fee:
This card has no annual fee.
Intro APR:
This card offer 0% for 12 months.
Regular APR:
Regular APR at this card is 19.25% to 29.50% that is variable.
Balance Transfer Fee:
Balance transfer facility is not available with this card.
Foreign Transaction Fee:
Foreign Transaction Fee at this card is at 0%.
Credit Needed:
To get this card you have need good or excellent credit score history. Credit score of 700 or plus is needed.
Frequently Asked Questions:
Can Wells Fargo Credit Card be used anywhere?
Wells Fargo Credit Card is full fledging credit card that is powered by Visa network. You can use it anywhere Visa is accepted. This card can be used for ATM withdrawals and for the foreign transactions and acceptable at all online retailers.
Can Wells Fargo credit card be used internationally?
Wells Fargo Credit Card is full fledging credit card that is powered by Visa. You can use it anywhere Visa is accepted. You can it for foreign transactions. Foreign Transaction Fee is zero or 3% depends upon your card type.
Is it difficult to get a Wells Fargo Credit Card?
Yes, to apply for this card you have need of excellent credit score history. Maintaining a excellent credit score history is usually difficult step and require some techniques.
Why is Wells Fargo famous?
Wells Fargo is oldest financial institution of USA. It has huge assets, reputation and large number of loyal customers. Now it is adding more benefits and features to its products according to current requirement. This thing is making it un-beatable.
What is unethical about Wells Fargo?
It is a market about the Wells Fargo that it has more than 3.5 Million fraudulent accounts that are damaging market and customers. However you are 100% secure with Wells Fargo.
What is Wells Fargo ATM withdrawal limit?
With Wells Fargo, you can get daily ATM withdrawal limit of $300 but it depend upon many factors. However every card has a limit for ATM and is usable where Visa is accepted.
Does Wells Fargo require proof of income?
Yes, Wells Fargo has strict criteria for credit cards. It requires and also verifies your source of income before entertaining the request of credit card. Further it also requires excellent credit score history.
Can a non-citizen open a Wells Fargo account?
No, Social Security Number is mandatory requirement to apply for the card. So a non-citizen cannot apply this card.
What is credit card limit of Wells Fargo?
Wells Fargo credit card limit is between $1,000 to 20,000,
depends upon your credit score, your past payment behavior and number of
available credit cards.
What credit score do I need for a Wells Fargo credit card?
Most Wells Fargo cards require a good to excellent credit score (670+).
How long does it take to get approved?
Many applications receive instant decisions, but some may take a few days.
Can I increase my credit limit?
Yes, Wells Fargo allows credit limit increases based on payment history and income.
Does Wells Fargo have a secured credit card?
Yes, Wells Fargo offers secured credit cards for those looking to build or rebuild credit.
Are Wells Fargo credit cards good for travel?
Yes, cards like the Wells Fargo Autograph℠ Card offer no foreign transaction fees and travel rewards.