Wells Fargo comes to be known as a “banker’s bank” that would survive the Great Depression 10 years later. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. Caroline Lupini is the Credit Card and Travel Analyst for Forbes Advisor. Merchant services. Home. We're sorry, but some features of our site require JavaScript. However, you do get quite a few travel benefits and consumer protections as a cardholder, including trip cancellation coverage, lost luggage reimbursement, travel accident insurance, secondary auto rental coverage, cell phone protection, extended warranties and more.

If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following.

If you have a joint Account, a notice to one of you will serve as a notice to both of you.

If you spend a lot on business purchases each month and you want to get something in return, consider the Wells Fargo Business Elite Signature Card. } else { Products and services require credit approval.

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This information may have changed after that date. View the complete Go Far® Rewards Program Terms and Conditions. We previously sent you an email providing details on what next steps you need to take before you are able to log in to your account. The initial bonus offer of One-time $1,000 cash back bonus or 100,000 bonus points, and you get the chance to earn ongoing rewards for each dollar you spend. If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status. Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. All rights reserved. Here, we look at the cards we offer on our site, the bank’s storied history, and its rewards and benefits: With the iconic six-horse stagecoach as its logo, Wells Fargo’s history is perhaps the best known of the United States’ “Big Four” banks.

You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers – even if that account is closed and has a $0 balance.

You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement. All Rights Reserved, Option to transfer points to other Wells Fargo cards, 3x points reward rate on several spending categories, Low 1x points reward rate on non-bonus categories, No bonus points reward rate for groceries, Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value, $0 annual fee and no foreign currency conversion fee, Earn 3X points on eating out and ordering in, Earn 3X points on flights, hotels, homestays and car rentals, Earn 3X points on gas stations, rideshares and transit, Earn 3X points on popular streaming services, Low spending requirement for welcome bonus, 0% introductory APR on purchases and balance transfers, Cash back rewards redeemed in $25 increments, Earn a $150 cash rewards bonus after spending $500 in the first 3 months, Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening, Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card, 0% introductory APR for 15 months on purchases and balance transfers, Cash rewards do not expire as long as the account is open, Account protections such as 24/7 Fraud Monitoring, Alerts & Zero Liability protection for promptly reported unauthorized transactions, Points worth 50% more if redeemed for airfare, Transfer or pool points across Wells Fargo accounts, Potentially high APR, depending on your credit, 5 points on up to $12,500 spent on gas, grocery, and drugstore purchases for 6 months (1X thereafter), 1 point for each $1 spent on other purchases with your card, Enjoy 5 full years to use the points you earn, 50% more value when redeemed for airfare: no blackout dates, no advance booking, and no minimum stay requirements, Travel Features: Enjoy hotel benefits through the Visa Signature Luxury Hotel Collection, Take advantage of our complimentary 24/7 concierge service, Travel Protections: Trip cancellation protection and lost luggage reimbursement, Travel accident insurance, Emergency card replacement and cash disbursement, Auto rental collision coverage, 24/7 travel and emergency assistance, Roadside dispatch, High to very high APR, depending on your credit, Earn 5 points on up to $12,500 spent on gas, grocery, and drugstore purchases for 6 months, Share rewards with others: Gift or pool points with other Go Far® Rewards customers, or redeem points for a gift card to donate to select charities and organizations, Enjoy these Visa benefits with your Card: Auto rental collision damage waiver, Emergency card replacement, Roadside dispatch, Travel accident insurance, Travel and emergency assistance services, Cell phone protection, Plus take advantage of: Zero Liability protection, Overdraft Protection, Card and Account Activity Alerts, and Chip technology, 0% introductory APR on balance transfers and purchases for 18 months, 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 16.49%-24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee, Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa card, Easy access to your FICO® Credit Score with Wells Fargo Online®, Zero Liability protection for promptly reported unauthorized transactions, Convenient tools to help create a budget and manage your spending with My Money Map, Select “”Apply Now”” to learn more about the product features, terms, and conditions, 3% cash back in select categories for 6 months, Free credit education resources and tools, Extra bonus cash rewards earning potential and deals at your favorite stores when you shop our Earn More Mall® feature, Redeem cash rewards automatically into your Wells Fargo savings account, as a credit to a qualifying Wells Fargo credit product, request a paper check or redeem in $20 increments at a Wells Fargo ATM, Flexibility to use cash rewards toward travel, gift cards, merchandise, cash redemption options, and more, Access your FICO® Credit Score, credit education, and tools with Wells Fargo Online®, Build credit history while you’re in college, Choose to earn cash back or rewards points, No annual fee plus up to 99 free employee cards, $24 fee for each airline ticket redemption, Choose your rewards: Cash Back or Rewards Points, Cash Back option: Earn 1.5% cash back on every $1 spent, Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period, Zero Liability Program: You’ll be fully reimbursed for unauthorized purchases or ATM transactions that are made with your Business Platinum Credit Card and reported promptly, $0 annual card fee, plus up to 99 employee cards (no additional fee), Enables small business owners to build credit, Potential to upgrade to an unsecured card, Better rewards available with other unsecured business credit cards, Robust control of employee spending by category, amount and time, Only available to businesses with annual sales above $1 million, Minimum annual spend requirement of $25,000, Get a one-time $1,000 cash back bonus or 100,000 bonus points when you enroll in the Business Elite Card Rewards Program and spend $15,000 in the first three months of account open date.
Best of all, there’s $0 annual fee and no fee for additional cards. This card can help you build credit while you’re in college, and you get the chance to earn rewards along the way. Check the data at the top of this page and the bank's website for the most current information. T-Mobile For Business BrandVoice | Paid Program, Mitsubishi Heavy Industries BrandVoice | Paid Program, Second Stimulus Check Calculator (HEROES), Forbes Analytics Plus With Teradata | Paid Program, Under 30 Detroit Hackathon: Accelerating Change, credit card geared toward college students, Wells Fargo Business Secured Credit Card Review, Best Credit Cards for Car Rental Insurance, How To Redeem Ultimate Rewards Points For Groceries, The 4 Best Apps To Track Credit Card Rewards, © 2020 Forbes Media LLC. to maintain accurate information. Note: Click here to sign on to your Wells Fargo account(s). NMLSR ID 399801, 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 - enjoy 5 years to use the points you earn, Our lowest possible intro APR for 15 months from account opening on balance transfers and purchases. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology.
Unlike the other two Wells Fargo cards, the Propel charges no foreign transaction fee, making it the clear choice for travel abroad. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. Call your cellular provider (or sign on to their website) and request to set up automatic payments. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.

The biggest downsides of this card are the fact there’s no initial bonus you can earn and that the bonus categories end after the first six months, after which all purchases will only earn 1 point per dollar spent. The Wells Fargo Platinum Card doesn’t offer any rewards, but you will get access to one of the longest 0% APR offers available today. The Over-the-Seas campaign highlights the company’s international efforts. This benefit does not cover cell phones that are lost (i.e. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. Keep an eye on your inbox—we’ll be sending over your first message soon. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus rewards points. See the Visa Guide to Benefits (PDF) to learn more.

The "Margin" for purchases and balance transfers will be 9.24 to 22.24 percentage points, based on your creditworthiness. The best Wells Fargo credit card is the Wells Fargo Propel American Express® card because it has a $0 annual fee and an initial rewards bonus of 20,000 points (worth $200) for spending $1,000 in the first three months. From business credit cards to business real estate and healthcare practices financing, these services are expansive.

Credit card subject to credit qualification. } The Wells Fargo Home Projects credit card is designed exclusively for home improvement businesses.

The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,000.00. Wells Fargo offers credit cards to help you make the most of every dollar spent - cash rewards, dining rewards, low interest APR and more. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online banking and ATM access may be delayed and you may be denied access to your account. We review the information provided on your application and other information about your creditworthiness. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. Wells Fargo Propel American Express® card.

Rewards: Earn 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months; also earn 1% cash back on other purchases. Upon submitting the online application, you will receive the status of your application on the confirmation page and we will send you a confirmation email. Click HERE to pay your Wells Fargo Financial credit card accounts ONLINE.Please note: When registering for online payments, you will need to assign a unique user name and password. Wells Fargo credit cards also tend to come with more benefits than some of their competitors, and this includes perks such as cell phone protection, travel accident insurance and secondary rental car coverage. To qualify for the $150 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. 10. With that in mind, make time to compare all the top rewards credit cards on the market today in terms of their earning rates, bonus offers and cardholder perks. 23.99% to 25.99%, based on your creditworthiness. This user name and password must be different from your account access login. You’ll get 50% more value when you use your points for flights, meaning that 30,000 points are worth $450 in airfare vs. only $300 if redeemed for cash back.

What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.