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Wells Fargo Home Rebate Visa® card

Pay down your mortgage principal faster with rebates from the Wells Fargo Home Rebate Visa® card

Turn everyday purchases into rebates that can help reduce your qualifying mortgage principal with the Wells Fargo Home Rebate Visa® card — exclusively for Wells Fargo Home Mortgage® customers.
  • Earn a 5% rebate on gas, grocery, and drugstore net purchases for the first 6 months. Earn 1% for every $1 spent on virtually all other net purchases everyday.
  • Take advantage of our lowest introductory interest rate on balance transfers and purchases. See the full terms and conditions.
  • Enjoy $0 annual fee.

Annual Percentage Rate (APR) on purchases

0% introductory APR for 15 months on purchases, then 12.40% – 26.24% variable APR. (These APRs do not apply to cash advances.) See the full terms and conditions.

Annual Percentage Rate (APR) on balance transfers

0% introductory APR for 15 months on balance transfers, then 12.40% – 26.24% variable APR. Balance transfer fees apply. When you apply for this card, simply fill in the balance transfer information on the application. See the full terms and condition.

Annual Fee


Read the Wells Fargo Home Rebate Visa® card Agreement.

Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances).

We make it easy to earn automatic rebates

  • Earn a 5% rebate on gas, groceries, and drugstore net purchases for 6 months and a 1% rebate on virtually all other net purchases everyday.
  • Track your rebates on your monthly statement.
  • Your Wells Fargo home mortgage loan principal is automatically credited every time you earn a $25 rebate, or if you prefer, you can request your rebate as a paper check.
  • You can even elect to redeem your rebates for travel, and more; sign on a to see all the options.
  • There is no limit on the rebates you can earn.

Zero Liability Protection

All Wells Fargo Credit Cards automatically protect you from liability for unauthorized transactions when you report them promptly.

Overdraft Protection

You may link your credit card to your checking account to help avoid overdrafts.

Rapid Alerts

For Visa® customers. Get fast text and email alerts for monitoring spending, tracking purchases, and receiving notifications of irregular or suspicious activity.

Chip Technology

A Wells Fargo credit card with chip technology offers broader acceptance internationally and better protection against counterfeit fraud wherever this technology is the standard.

Verified by Visa®

Protect your Wells Fargo Visa card with a unique password for online shopping.

Visa benefits:

  • Warranty Manager with Extended Protection
  • Roadside Dispatch
  • Travel Accident Insurance
  • Travel and Emergency Assistance Services

Earn additional rebates by visiting the Earn More Mail® site and shop more than 3,000 online and in-store retail merchants.

Download the Visa Guide to Benefits (PDF)* to learn more about restrictions and limitations.

Wells Fargo Home Rebate Card questions

What can I do if my home loan is not eligible for the Wells Fargo Home Rebate Card?

If you start the application process for the Wells Fargo Home Rebate Card and learn that your mortgage is not eligible, we encourage you to learn more about our other credit cards with valuable rewards - such as the Wells Fargo Cash Back Card.

Only Wells Fargo home mortgage products are eligible to be tied to the Wells Fargo Home Rebate Card.  The following Wells Fargo home mortgage loans are not eligible for the Wells Fargo Home Rebate Card: reverse mortgages and loans that are in process or not yet fully funded.

How do I find my rebate balance for my Wells Fargo Home Rebate Card?

There are many ways to find your current rebate balance:

  • Sign on to Wells Fargo Online® or Wells Fargo Mobile Banking. Select your credit card account to review your rebate summary, or sign on to
  • Check your most recent statement. You will find your rebate balance in the Program Summary section of your statement.
  • View your rebate balance at any Wells Fargo ATM.
  • Call customer service at 1-800-642-4720 any time.

What should I expect after I apply online?

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.

If we are able to provide you an approval, the confirmation page and email will also display your credit limit.

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.

How do I use my credit card for Overdraft Protection?

You must have a Wells Fargo checking account and a Wells Fargo Credit Card to use this optional service.

If you don't have a Wells Fargo Credit Card:

If you already have a Wells Fargo Credit Card, but you do not have a Wells Fargo checking account:

  • Apply for a checking account and select the Overdraft Protection box on the application. Subject to credit qualification.
  • If you already have a Wells Fargo checking account, call 1-800-642-4720 to enroll.

See all credit card FAQs and learn more about chip cards.

Get more than you expect with the
Wells Fargo Home Rebate Visa® card

Apply Now

You can also call 1-800-932-6736 or apply in person at a Wells Fargo location near you.

Explore rich rewards with Visa Signature®

Enjoy earning rebates toward your mortgage principal and exclusive privileges like access to popular events, shopping offers and more with the Wells Fargo Home Rebate Visa Signature® Card.

Learn More

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.

Annual Percentage Rate (APR)

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

Cash Advance

You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.

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.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.

Credit Limit

Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. If you exceed this amount, an Over-the-Credit-Limit-Fee may be imposed.