Compare Balance Transfer Credit Cards | Wells Fargo

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Wells Fargo Platinum Card

  • Lowest Possible Intro APR for 18 months from account opening on purchases and balance transfers

Wells Fargo Cash Wise Visa® Card

  • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Unlimited 1.5% cash rewards on purchases
  • Our lowest possible intro APR on purchases and balance transfers for 15 months from account opening

Wells Fargo Rewards ® Card

  • 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

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.

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

To qualify for the 20,000 bonus rewards points, 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. These bonus rewards points 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 affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, wire transfers, 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 rewards points. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® Card for details.

Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant code for American Express is classified as: Travel: airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages. Gas: gas stations and automated fuel dispensers (gas purchases at warehouse and membership clubs, grocery stores, car washes, auto repair stores, and superstores that sell gasoline may not be coded as gas stations or automated fuel dispensers). Dining: eating places and restaurants, drinking places, or fast food restaurants (caterers, bakeries, grocery stores, and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants). Additionally, 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases for eligible online streaming services. If your streaming service subscription is bundled with another product, membership, or service or billed by a third party (such as a digital platform, a cable, telecommunications, internet provider, online retailer, or in-vehicle streaming service), your purchase may not be eligible for bonus rewards points. The current list of eligible streaming services and additional details of what services and fees are included/excluded for bonusing are available at wellsfargo.com/propelstreaming. Purchases not processed using the codes for American Express mentioned above will not qualify for bonus 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 points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. One rewards point will be earned per $1 spent on other net purchases. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and prepaid gift cards, wire transfers, 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 Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® Card for details.

Some promotional rewards bonus offers may include a limit on the amount of bonus points that can be earned. Specific promotional terms and conditions will be disclosed at the time of the promotion.

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. 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 is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. Each approved claim has a benefit limit of $600. 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. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp.

Note:
Call your cellular provider (or sign 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.

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. These 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 affect 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 Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa® 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 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 Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa® Card for further details.

5 rewards points (1 base point plus 4 bonus point (s)) 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 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 mentioned above 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 Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® 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. The 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). Certain restrictions and limitations apply. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Visa Signature® Card.

You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. Other consumer accounts may also be eligible. Contact Wells Fargo for details.

Please note that the score provided under this service is for educational purposes only and may not be the score used by Wells Fargo to make credit decisions. We may use other FICO® Score versions and other information when you apply for credit. 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 specific 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.

5 rewards points (1 base point plus 4 bonus point (s)) 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 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 mentioned above 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 Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® Rewards Program Terms and Conditions for the Wells Fargo Rewards® Card for details.

Sign up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

To qualify for the introductory bonus of one (1) reward night valued at $125 (the "reward night"), a total of at least $1,000 in net purchases (purchases minus returns and credits) must post to your account within 90 days from the date the account is opened. The reward night will show as redeemable at Hotels.com® 1 – 2 billing periods after it is earned. You must have an open and active Hotels.com Rewards membership to receive this reward night. This offer is limited to one reward night in total. Hotels.com may charge a redemption fee for each reward night redeemed. This fee will not be charged for Hotels.com® Rewards Visa® Credit Card cardholders if your card account is open at the time of redemption. If you choose a room, apartment, or other equivalent accommodation that costs more than $125, you pay the difference and you are responsible for taxes, fees, and other charges. If you choose a room, apartment, or other equivalent accommodation that costs less than $125, the redemption value of the reward night is limited to the cost of the accommodation before taxes, fees, and other charges. There will be no remaining redemption value associated with this reward night and there will be no cash refund for any residual amounts. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, 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 are not considered purchases and do not earn credit towards this reward. Refer to the Hotels.com Rewards Visa Credit Card Rewards Program Agreement Terms and Conditions for additional details about the Program.

When you book and stay 10 nights at a Hotels.com Rewards® eligible property, you will earn one (1) reward night at a Hotels.com Rewards eligible pre-pay property. The maximum value of the reward night is the average daily rate of your 10 stamps collected, excluding taxes and applicable fees. The value of your reward night does not count towards any taxes or fees. You may pay the difference if you choose a room that costs more than the value of your reward night. Package bookings and bookings made using a coupon do not qualify. Although a $5 redemption fee applies to certain bookings, that fee is waived for Hotels.com® Rewards Visa® Credit Cardholders. Refer to the Hotels.com® Rewards Terms & Conditions for complete details.

Hotels.com® Rewards Visa® Credit Card cardholders will earn one stamp in the Hotels.com Rewards program for every $500 spent in net purchases (purchases minus returns and credits) using your Hotels.com Rewards Visa Credit Card. You must have an open and active Hotels.com Rewards membership to earn stamps with your Hotels.com Rewards Visa Credit Card. Hotels.com may charge a redemption fee for each reward night redeemed. This fee will not be charged for Hotels.com Rewards Visa Credit Card cardholders if your card account is open at the time of redemption. ATM transactions, cash advances of any kind, balance transfers, 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 are not considered purchases and do not earn stamps. If your Hotels.com Rewards membership is closed for any reason and you retain your Hotels.com Rewards Visa credit card, you will no longer earn stamps. Refer to the Hotels.com Rewards Visa Credit Card Rewards Program Agreement Terms and Conditions for additional details.

Cellular Telephone Protection can reimburse the eligible Hotels.com® Rewards Visa® 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 Hotels.com Rewards Visa 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 Hotels.com Rewards Visa Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Hotels.com Rewards Visa 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, go to www.wellsfargo.com/ctp.

Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for the Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Hotels.com Rewards Visa Credit Card to get up to $600 protection.

To qualify for the Wells Fargo Cash Back CollegeSM Card, students must be the age of majority or emancipation in the state of residence; and meet other credit qualifications. Applicants must be able to demonstrate the ability to individually repay their debt. Students with an established credit history may also consider the potential advantages of applying for other Wells Fargo Credit Card products.

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 stations. The maximum amount of bonus cash rewards you can earn under this promotion is $50 (which is $2,500 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 mentioned above 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 $1 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 cash rewards. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum to the Go Far® Rewards Program Terms and Conditions for the Wells Fargo Cash Back CollegeSM Card for details.

Cash redemption options by phone or online are redeemable in $25 increments only. Cash redemptions via a withdrawal from a Wells Fargo ATM or a rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20 increments only. You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo ATM.