Credit Card Categories

Wells Fargo Cash Wise Visa® Card

  • NEW: Promotion
    $200 cash rewards bonus if you spend $1,000 (net purchases) in first 3 months

  • Unlimited 1.5% cash rewards on net purchases

Wells Fargo Visa Signature® Card

  • 5x points on gas, grocery, and drugstore net purchases for 6 months on up to $12,500 spent and 1x points on other net purchases - enjoy 5 years to use the points you earn
  • 50% extra value when redeemed for airfare (for instance, 30,000 points is a $450 value toward airfare redemption or a $300 value toward cash redemption)

Wells Fargo Rewards® Card

  • 5x points on gas, grocery, and drugstore net purchases for 6 months on up to $12,500 spent and 1x points on other net purchases - enjoy 5 years to use the points you earn

  • Lowest intro APR on balance transfers and purchases

Wells Fargo Platinum Card

  • Online Only Promotion:
    Lowest Intro APR for 15 months
    on purchases and balance transfers.

Wells Fargo Cash Back CollegeSM Card

  • Build credit history while you’re in college
  • 3% cash rewards on gas, grocery, drugstore for first 6 months, 1% cash rewards on virtually all other net purchases
  • Existing Wells Fargo relationship needed to apply online

Wells Fargo Secured Credit Card

  • Establish credit history with responsible use
  • Get started, if approved, with as little as a $300 security deposit
  • Existing Wells Fargo checking or savings account is needed to apply online

Annual Percentage Rate (APR)

The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.

Annual Fee

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

*The category “All Cards” is meant to assist with online credit card browsing purposes only and may not include all credit card products offered by Wells Fargo.

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

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.

Wells Fargo Secured Credit Card is available to citizens, permanent resident aliens, and nonresident aliens of the U.S.

All other credit cards available only to citizens and permanent resident aliens of the U.S.

To qualify for the $200 cash rewards bonus, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 1-2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Cash Wise Visa Platinum® Card for details.

1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the Credit Card account. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa® Card for further details.

Five rewards points (1 base plus 4 bonus) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first six months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations. The maximum amount of bonus points you can earn under this promotion is 50,000 (which is $12,500 in net purchases), regardless of how much you purchase or how many transactions you make during the promotional period. Purchases not processed using these merchant codes for Visa will not qualify for bonus rewards points. 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. You may not earn bonus rewards points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. One rewards point will be earned per dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Visa Signature® Card for details.

Flights must be redeemed through Go Far®Rewards. For airline ticket redemptions, the number of points required to be redeemed is equivalent to the ticket costs divided by 0.015, rounded up to the nearest whole point. Points comparison is based on Go Far Rewards cash redemption options, where the number of points required to redeem is equivalent to the ticket cost divided by 0.01. Cash redemption options must be redeemed in $25 increments (currently 2,500 points). Effective July 1, 2016, Go Far Rewards no longer assesses a $24 per airline ticket processing fee. Certain restrictions and limitations apply. Refer to the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum to the Wells Fargo Rewards Program Terms and Conditions for the Wells Fargo Visa Signature Card for further details.

You must be an account holder of a Wells Fargo consumer credit product with a FICO® Score on record.

Important: There are many factors that Wells Fargo looks at to determine your credit options, therefore a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a better loan rate, approval of a loan or an automatic upgrade on a credit card.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Your mobile carrier's rates may apply.

Five rewards points (1 base plus 4 bonus) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first six months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations. The maximum amount of bonus points you can earn under this promotion is 50,000 (which is $12,500 in net purchases), regardless of how much you purchase or how many transactions you make during the promotional period. Purchases not processed using these merchant codes for Visa will not qualify for bonus rewards points. 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. You may not earn bonus rewards points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. One rewards point will be earned per dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and Addendum to the Wells Fargo Rewards® Program Terms and Conditions for the Wells Fargo Rewards® Card for details.

Your mobile carrier’s message and data rates may apply.

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with a maximum benefit limit of $600 per claim and $1,200 per 12 month period. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance. For complete coverage benefits and exclusions regarding this protection call 1-866-804-4770, 24 hours a day, seven days a week or go to www.wellsfargo.com/cellphone or view the full Terms & Conditions now.

Note: Call your cellular provider (or log on to their website) and request to set up automatic payments. 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.

Protection is subject to a $25 deductible per claim and maximum benefit limit of $600 per occurrence. Protection covers eligible cellular telephones billed to your covered Wells Fargo Consumer Credit Card, subject to a maximum of two claims per twelve-month period, for each Wells Fargo Consumer Credit Card account number.  You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25 deductible.  Protection covers the primary line and up to the first three additional lines listed on your provider’s monthly statement. Cellular telephones that are stolen or damaged are protected. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, or from the card that is linked to a Line of Credit. Coverage does not apply for electronic failure or cell phones that are received as part of a pre-paid plan. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner’s or automobile insurance policies, or through a plan provided through the seller of the telephone. Read all the coverage benefits and exclusions for this protection by going to wellsfargo.com/cellphone or call 1-800-642-4720, 24 hours a day, seven days a week.

3% cash rewards (1% base plus 2% bonus) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first 6 months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores and gas. Purchases not processed using these merchant codes for Visa will not qualify for bonus cash rewards. 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 cash rewards. You may not earn bonus cash rewards for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. A 1% cash reward will be earned per dollar spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and pre-paid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Wells Fargo Cash Rewards Program Terms and Conditions and Addendum to the Wells Fargo Rewards Program Terms and Conditions for the Wells Fargo Cash Back College Card for details.

If your application is approved, in addition to the terms and conditions of the credit card, you must also make a one-time security deposit of $300-$10,000 to a Wells Fargo deposit account called a "Secured Card Collateral Account." If you do not have the full security deposit amount, but you do have at least $300 in your funding account, you agree that Wells Fargo can immediately transfer $300 to your Secured Card Collateral Account. Your security deposit determines the limit that you may charge up to, and is held as a deposit in the Collateral Account. The Secured Card Collateral Account will be opened in your name and is a non-interest bearing account, therefore no interest will be paid to you on the Collateral Account. You still need to make monthly payments toward any balance you accrue, as with any other credit card. Review the Wells Fargo Secured Card Terms and Conditions for details. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Eligibility to upgrade to an unsecured credit card is subject to credit qualification and is restricted to U.S. citizens and permanent resident aliens with a valid Social Security Number or Individual Taxpayer Identification Number.