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Wells Fargo Home Rebate Visa Signature® Card Account Agreement

Explore features and benefits

 

Important Terms of Your Credit Card Account

Pricing Addendum for Wells Fargo Home Rebate Visa Signature® Card

As of August 24, 2019

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

Prime Rate + 8.90% to Prime Rate + 22.74%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowest APR disclosed in the range above. The APR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.

Annual Percentage Rate (APR) for Balance Transfers 

Prime Rate + 8.90% to Prime Rate + 22.74%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowest APR disclosed in the range above. The APR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.

APR for Cash Advances and Overdraft Protection Advances

Prime Rate + 20.74% to Prime Rate + 22.74%, based on your creditworthiness.

This APR will vary with the market based on the U.S. Prime Rate. You may not qualify for the lowest APR disclosed in the range above. The APR applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

None

Transaction Fees

 

  • Balance Transfers

Up to 5% for each balance transfer, with a minimum of $5

  • Cash Advances

Either $10 or 5% of the amount of each advance, whichever is greater.

  • Overdraft Protection Advances

$12.50 if the total of overdraft protection advances for the day is $50 or less;
$20 if the total of overdraft protection advances for the day is greater than $50.

  • Foreign Currency Conversion 

3% of each transaction converted to U.S. dollars.

Penalty Fees

 

  • Late payment

Up to $37

  • Returned Check or Returned Payment

Up to $37
 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See the Consumer Credit Card Customer Agreement and Disclosure Statement for more details.

How We Calculate Your Late Payment and Returned Check or Returned Payment Fees: The fee will be the lesser of the Minimum Payment or $27. For any subsequent event within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment or $37.

How We Will Calculate Your Variable APRs:
Unless an introductory or promotional APR is in effect, we will add a "Margin" to the U.S. Prime Rate to determine your variable APR. For each billing period, we will use the U.S. Prime Rate or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. It may also increase or decrease the Minimum Payment due. See the Consumer Credit Card Customer Agreement and Disclosure Statement for more details. 

Variable Interest Rate Calculation

Prime Rate effective as of 11/14/2019

4.75%

Margin added to the Prime Rate to determine your APR for purchases

8.90% - 22.74%

APR for purchases

13.65% - 27.49%

Margin added to the Prime Rate to determine your APR for cash advances and overdraft protection advances

20.74% - 22.74%

APR for cash advances and overdraft protection advances

25.49% - 27.49%

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