Wells Fargo Rewards® Card

Issued by Wells Fargo
  • Annual Fee: $0
  • Regular APR: 12.15% to 25.99%
  • Intro APR: 0% intro APR for 6 months
  • Balance Transfer: Yes
  • Balance Transfer Fee: $5 or 3% for 1st 6 months; then 5% or $5, whichever is greater.
  • Reward: Points
Editor Reviews
Rates and Fees

The Wells Fargo Rewards® Card allows the everyday consumer to earn points on virtually all purchases and the chance to redeem for rewards perfect for every lifestyle. What's more, new members are greeted with an introductory APR on purchases and balance transfers.

0% introductory APR: New cardmembers enjoy no interest on purchases and balance transfers for their first six months. A variable APR based on creditworthiness will apply afterward.

1 point per $1: Earn a full point for every $1 spent on net purchases. These points apply to all transactions with the Wells Fargo Rewards® Card, excluding returns and credits.

Earn more points: Shop online through Wells Fargo's own Earn More Mall® to receive bonus points and discounts. Choose from over 700 merchants at the Earn More Mall® and increase your point earnings to up to 16 bonus points. Another 'bonus': free shipping on gift cards!

Travel rewards: Enhanced travel options let you redeem online for hotels, car rentals, and exciting activities.

When you choose to redeem for air travel, you'll find few restrictions and instead enjoy no advance booking, no minimum stays, no blackout dates, and no limit on the number of points you can redeem - simply travel where you want, when you want.

Visa benefits: Wells Fargo Rewards® Card members enjoy the perks of being Visa cardholders as well. Visa benefits cover a host of travel services, including an auto rental collision damage waiver, roadside dispatch program, worldwide travel accident insurance, and more.

No annual fee: Members can truly enjoy their rewards because there is never an annual fee to worry about.

The Wells Fargo Rewards® Card gives the average shopper a chance to reward themselves through both the extensive rewards collection and the six-month introductory rates. With no annual fee, the Wells Fargo Rewards® Card exemplifies what a simple yet efficient rewards card should be.

* * Please Read Terms and Conditions

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Additional Information

Most Attractive Features: 0% intro APR offer, no annual fee, rewards program
Least Attractive Features: Rewards points expire after a time and have a set limit to annual earnings potential
* Click apply to view rates, fees, rewards, limitations and other important information

Rates and Fees

Introductory Rate Offer: 0% intro APR for 6 months
Intro Applied To: Purchases and balance transfers
Regular APR for Purchases: 12.15% to 25.99%
APR for Cash Advances: 23.99% to 25.99%
Annual Fee: $0
Annual Fee Details: There is no annual fee for this card.
Grace Period: Your due date is at least 25 days after the close of each billing period.
Late Payment Fee: Up to $35
Over Limit Fee: $12.50 if overdraft protection advances is less than $50; $20 if greater than $50.
Cash Advance Fee: $10 or 5% for some transactions, $20 or 5% on other transactions.
Balance Transfer Fee: $5 or 3% for 1st 6 months; then 5% or $5, whichever is greater.

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Rewards - Points

Points per Dollar: 1 point per dollar spent
Additional Points: Earn up to 16 bonus points per $1 spent at Earn More Mall
Point Details: Earn 1 point per $1 spent on net purchases, and up to 16 points per $1 spent at Earn More Mall
Expiration: Points will expire on the 60th monthly billing statement beginning with the first billing statement in which the points were eligible for redemption.
Yearly Limit: 120,000 per year

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