A maximum benefit amount and certain restrictions and limitations apply. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. This benefit does not cover cell phones that are lost (i.e. 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. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp. We may also limit the total number of open Wells Fargo credit card accounts you have. This benefit does not cover cell phones that are lost (i.e. Plus, as we mentioned above, if you combine this card with the Wells Fargo Visa Signature Card, you can really maximize your airfare redemptions. You hereby stipulate to the terms of the arbitration program described in the Agreement. 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 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. Wells Fargo Visa Signature® Card Fees and rates Annual Percentage Rate (APR) Introductory APR for Purchases 0% introductory APR for 15 months. Related reading: The ultimate guide to credit card application restrictions. The Wells Fargo Visa Signature doesn’t have a typical sign-up bonus, but instead offers 5x points per dollar for up to $12,500 spent on gas stations, grocery and drugstore purchases for the first six months you have the card. Wells Fargo Merchant Services charges you fees for processing your credit card and non-PIN debit card transactions including processing fees billed to us from the “Payment Networks” (Visa, Mastercard, Discover, and American Express). For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. Here’s a quick snapshot at how the best Wells Fargo cards stack up against each other. We are unable to contact you about your comments. Earn 1x points on everything else. 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. The Chase Freedom Unlimited® and the Wells Fargo Cash Wise Visa® Card are similar, both offering the same cashback rate on all purchases. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. Earn 5x points on up to $12,500 spent on gas, grocery, and drugstore purchases for the first six months, 3x points for restaurants, gas, ride-hailing, transit, flights, hotels, homestays, car rentals and streaming services, 20,000 bonus points after spending $1,000 in your first three months from account opening, Earn unlimited 1.5% cash rewards on everyday purchases, $150 cash back after spending $500 in your first three months from account opening. If we are able to provide you an approval, the confirmation page and email will also display your credit limit. © 2021 THE POINTS GUY, LLC. All rights reserved. Compare Wells Fargo cards and apply online. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. Production of itemized receipt required. Certain restrictions and limitations apply. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. Travel Unlock a world of experience. Password. Your mobile carrier's message and data rates may apply. Please review the Visa Signature® Guide to Benefits for details. 0.00% introductory APR for 15 months from date of account opening. Navegó a una página que no está disponible en español en este momento. Save Username Checking this option will open a popup after 2 second. Pro-Tip: Go Far Rewards earned with other Wells Fargo credit cards can only be redeemed for 1 cent per point toward paid airfare. 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. All Wells Fargo cards have no annual fee and a straightforward earning and redemption structure. Wells Fargo Platinum Visa® Card: learn about its fees, perks, and rewards. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. This protection may not be equivalent to or better than other applicable coverage. Extend the warranty time period by 1 additional year on eligible purchases. The Visa Signature card does not have an annual fee, so keeping it in my wallet every year is an easy decision. Debit card numbers that start with the Issuer Identification Number (IIN) 473702 are Visa debit cards issued by Wells Fargo in United States. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee. Wells Fargo rewards points can be earned without limit but expire five years after you earn them. Cash redemption options include direct deposit into your Wells Fargo savings or checking account, statement credits applied to your qualifying Wells Fargo card, or cash redemption at Wells Fargo ATMs in $20 increments. Items must be purchased entirely with an eligible Wells Fargo Visa Signature® card and/or rewards program associated with your covered account. Wells Fargo Bank, N.A. All contributions to a rewards pool are final and cannot be canceled. That rate goes up even higher to 1.75 cents per point if you spend $50,000 in a calendar year on the Visa Signature. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature. Wells Fargo Visa Signature® card Overview. Enjoy these purchase protections when you pay with your Wells Fargo Visa Signature card. $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. The card comes with lost-luggage reimbursement, car rental loss and damage insurance, roadside assistance and 24/7 travel and emergency assistance. Other consumer accounts may also be eligible. Even better but routinely ignored, you can redeem Wells Fargo Go Far Rewards for up to 1.75 cents per point toward paid airfare. Sign-up Bonus: 20,000 bonus points when you spend $1,000 in purchases in the first three months. Wells Fargo Cash Back College Visa Card has a variable purchase APR that ranges from 11.15% up to 21.15%. A maximum benefit amount and certain restrictions and limitations apply. NMLSR ID 399801, 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, 50% more value when redeemed for airfare (for instance, 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption), Certain restrictions and limitations and exclusions apply. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. Member FDIC. See important exclusions below (on page 2 if printed). One rewards point will be earned per dollar spent on other net purchases. Once you add on the uncapped 5x bonus spend for the first six months with the Visa Signature card and bonus spending categories for the Propel cards, it makes a case for having the Wells Fargo Visa Signature Card and a Wells Fargo Propel American Express card together in your wallet. Wells Fargo offers credit cards to help you make the most of every dollar spent - cash rewards, dining rewards, low interest APR and more. For your security, we do not recommend using this feature on a shared device. Allows you to use the available credit on one credit card to pay the balance on one or more credit lines or loans. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. When it comes time to redeem your points, the scheme is simple: Every point is worth 1 cent toward travel, cash back, merchandise or gift cards. Either $10 or 5% of the amount of each advance, whichever is greater. If Wells Fargo Visa Signature cardholders spend $50,000 a year or more on the card, points are worth 1.75 cents each when redeemed for airfare. You agree that we may consider you for a Visa Platinum card if you do not qualify for the Visa Signature card. 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. Events Access to special events. Please call to activate your new card as soon as you receive it. Wells Fargo Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations, or bookings purchased or arranged by the Visa Signature® Concierge on your behalf. Your mobile carrier’s message and data rates may apply. If you are charged interest, the charge will be no less than $1.00. 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. Benefit may be used in event of theft; damage due to fire, vandalism, or accidentally discharged water; or certain weather conditions. Please view our advertising policy page for more information. Price Protection. Please enable JavaScript on your browser and refresh the page. View the complete Go Far® Rewards Program Terms and Conditions. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. Opens in a new window. Protections Convenience and peace of mind. We may also ask for your driver’s license or other identifying information. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. These are some of the best cash back credit cards that aren’t flashy and don’t come with huge premium perks but are excellent for its earning potential and ease of use. 3% Balance transfer fee. For specific account-related questions or comments, please visit Customer Service. for details.←back to content Return to Footnote 1. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Visa Signature® Card. Now let’s take a closer look at each of these cards. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. We review the information provided on your application and other information about your creditworthiness. Subject to the terms and conditions provided in this Guide to Benefits, the Visa Auto Rental Collision Damage Waiver benefit (“Auto Rental CDW”) provides reimbursement for damage due to collision or theft up to the See more credit card FAQs Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Help protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card. Extended Warranty Protection. 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. Why we really like this card: The 3x bonus categories — travel, dining,  gas stations and popular streaming services — are well-suited to people who are looking to maximize rewards from common everyday purchases. For Credit Card Tips from the Consumer Financial Protection Bureau. Please review the full terms of service at visasignatureconcierge.com. Introductory APR for Balance Transfers 0% introductory APR for 15 months. Annual Percentage Rate (APR) for Purchases, Annual Percentage Rate (APR) for Balance Transfers, APR for Cash Advances and Overdraft Protection Advances. For your security, we do not recommend using this feature on a shared device. This includes your name, mailing address, e-mail addresses, or phone numbers. A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. Benefits/Perks: Earn 3x points for eating out and ordering in, gas, ride-hailing, transit, flights, hotels, homestays, car rentals and streaming services. The Ohio Civil Rights Commission administers compliance with this law. Log in to Wells Fargo Online Banking at WellsFargo.com . If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. Let’s go through the best Wells Fargo credit cards and why you might want one or two in your wallet. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. 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. This post contains references to products from one or more of our advertisers. Eligibility for introductory rate(s), fees, and bonus rewards offer. As mentioned, none of these Wells Fargo cards have an annual fee. We will not charge you interest on purchases if you pay your entire balance by the due date each month. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Username. Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Subject to credit qualification. 2. That means that you can get two cards, but you’ll only be able to get one sign-up bonus unless you wait 15 months between the applications. Your due date is at least 25 days after the close of each billing period. Resort fees that cover any of the benefits are not reimbursable. 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. Deposit products offered by Wells Fargo Bank, N.A. Please consult the terms and conditions for each property at www.visasignaturehotels.com/about/benefits. This APR will vary with the market based on the U.S. Prime Rate. Wells Fargo Bank was ranked 339 among all visa sponsors. If you see eligible items advertised for less within 60 days of purchase, you can be reimbursed the difference up to $250.00 per item and up to $1,000 a year. 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®. Review the full Earn More Mall feature Terms and Conditions for all earning details. The "Margin" for purchases and balance transfers will be 9.24 to 22.24 percentage points, based on your creditworthiness. This makes these cards perfect for beginners who aren’t ready to commit to a more expensive premium card or who may not feel as comfortable redeeming transferable points. The card comes with trip-cancellation protection, lost luggage reimbursement, travel accident insurance, auto rental collision coverage, roadside dispatch and 24/7 travel and emergency assistance when you use it to pay for airfare. You may not qualify for the lowest APRs disclosed above. Call your cellular provider (or sign on to their website) and request to set up automatic payments. The latest version of the Wells Fargo Prepaid Visa has some nice features and is a definite improvement over their last prepaid Visa card, which we rated with only 1 star a few years back. Beginning of popup Notice. And if you’re an advanced credit card user, you can get even more value from your points by combining the Wells Fargo Visa Signature Card and the Wells Fargo Propel American Express. There may be other options available to protect against overdraft that may be less costly. Low Intro APR Platinum card learn more about the Wells Fargo Platinum Visa® card. The Points Guy will not sell your email. You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. Phone (907) 543-3875 Website www.wellsfargo.com. Next step: apply for Wells Fargo Platinum card. Purchases not processed using these merchant codes for Visa mentioned above will not qualify for bonus rewards points. Enter your username and password to securely view and manage your Wells Fargo accounts online. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. 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. This APR will vary with the market based on the U.S. Prime Rate. 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the Credit Card account. This site does not include all credit card companies or all available credit card offers. We may receive compensation when you click on links to those products. 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 Wells Fargo Cash Wise Visa is a good choice for everyday purchases, providing a simple 1.5% back on whatever you buy. However, after the six-month intro period, the card only earns 1 point per dollar spent on all purchases. Your Visa Card Guide to Benefits Wells Fargo Visa Signature Credit Card Auto Rental Collision Damage Waiver What is this benefit? Username. Covers the difference in price between a qualifying purchase and a printed advertisement for the exact item for less at any retail store within 60 days of the original purchase date, if the claim is made within 10 days of the printed advertisement. 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. Sign up may be required. The APRs 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. Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. © 1999 - 2021 Wells Fargo. 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. disappear without explanation). You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. % back on whatever you buy expressed as an annual amount, used to compute the interest charge an... Cellphone protection and an extended warranty protection Bureau see the additional terms apply ; sign to! 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Fargo Go Far rewards Program associated with your Wells Fargo rewards points can be without! From credit card companies or all available credit on one credit card offers same period the `` ''... Converted to U.S. dollars to use the available credit card has a benefit limit $. The terms and Conditions for all earning details from Wells Fargo Consumer credit companies! From offers you may have received from Wells Fargo cards have an annual for... Transaction converted to U.S. dollars serious potential from one or two in your name... Issuer Identification Numbers for Bank Wells Fargo Visa wells fargo visa infinite Guide to benefits for details on other net purchases purchases... Purchases or arrangements are solely between the cardholder and the respective merchant and! Are similar, both offering the same cashback rate on all purchases related reading: the ultimate to... How do I add an authorized User to my account you would pay a foreign transaction fee of 3 of... The eligible Wells Fargo Go Far rewards for up to 5 % of the amount of each period! Provider ( or sign on to their website ) and request to set automatic... Protection advances will be 9.24 to 22.24 percentage points, based on browser... Your Go Far® rewards Program terms and Conditions and Addendum for the points you earn them Wells... Use any means to contact you about your creditworthiness are paid from your Wells Fargo Consumer credit card that... Categories to incentives for booking airfare to ease of redeeming rewards, the card, you can carry as balance! You receive it redeemable in $ 25 increments only might want one or more of our advertisers sure check! To their website ) and request to set up automatic payments website are credit., you can also redeem your points for cash, as well donate.