Applying for a Wells Fargo credit card gives you access to cash rewards, points, and other financial tools.
Each card has unique perks, so choose one that fits your lifestyle. This guide explains the types of cards, rewards, application steps, and key contact information.
Types of Wells Fargo Credit Cards
Wells Fargo offers a wide range of credit cards, each tailored to different spending habits. Whether you’re looking for travel points, cashback, or a balance transfer solution, there’s a card designed for you.
The cards also vary in rewards structure and bonus offers. Here’s what you need to know about their most popular cards.
Wells Fargo Autograph JourneySM Card
This card is ideal for travelers who spend frequently on hotels and airlines. You earn 5X points on hotels, 4X points on airlines, and 3X points on travel and restaurants.
All other purchases earn 1X point. New users can get 60,000 bonus points after spending $4,000 in 3 months.
There is a $50 annual statement credit with a $50 airline purchase. This card includes Visa Signature benefits.
Wells Fargo Autograph® Card
This is a solid no-annual-fee card for everyday spending. You earn 3X points on restaurants, travel, gas stations, transit, streaming, and phone plans.
All other purchases earn 1X point. You can get 20,000 bonus points after spending $1,000 in 3 months.
Intro APR is 0% for 12 months, then ranges from 19.24% to 29.24%. This card supports online rewards redemption and digital wallet use.
Wells Fargo Active Cash® Card
The Active Cash Card offers unlimited 2% cash rewards on every purchase. You receive a $200 cash rewards bonus when you spend $500 in 3 months.
There is no annual fee. It includes a 0% intro APR for 12 months on purchases and balance transfers.
After the promo period, the APR ranges from 19.24% to 29.24%. It’s a straightforward card for users who want flat rewards.
Application Process
Applying for a Wells Fargo credit card is simple and quick. You can apply online or by visiting a local Wells Fargo branch.
Most applications receive an instant decision. Be sure to prepare all your personal and financial information before applying.
Eligibility and Requirements
To qualify, you must be at least 18 years old and have a valid Social Security Number. You should have a U.S. address and a steady source of income.
A good credit score (670+) will improve your approval chances. The application asks for employment details and monthly housing costs. Your credit history and debt-to-income ratio are also reviewed.
Steps to Apply Online
The online application process is quick if you have all your details ready. Follow the instructions closely to ensure a smooth approval.
- Visit the official Wells Fargo credit card page.
- Choose the card you want and click “Apply Now.”
- Fill in your name, address, income, and other financial information.
- Review your application carefully before submitting.
- If approved, your card will be mailed within 5 to 7 business days.
- You may be asked for additional documents if your application needs further review.
Interest Rates and Fees
Each Wells Fargo credit card has specific terms related to interest and fees. It’s important to read these carefully so you understand the long-term costs.
The cards also offer introductory APR deals, which are useful if you plan to make large purchases or balance transfers.
Typical APR Ranges
Most cards offer 0% intro APR on purchases and qualifying balance transfers for 12 months. After that, APR rates are variable and based on your credit.
Typical APRs range from 19.24% to 29.24%. The Wells Fargo Reflect® Card offers 0% intro APR for 21 months, one of the longest in the market.
You must make on-time payments to maintain the intro rate. Variable APRs apply after the promotional period ends.
Fees to Consider
Most Wells Fargo cards do not charge an annual fee. Late payments can incur a fee of up to $40. Balance transfers cost 3% if completed in 120 days, or 5% afterward.
Foreign transaction fees may apply to certain cards. Always check the full fee schedule during the application. Paying your balance in full each month helps avoid interest charges.
Bonus Offers and Rewards
Wells Fargo credit cards provide generous rewards for spending. Some focus on travel perks while others give cash rewards. Choose a card based on how you spend and what you value most.
Bonus Incentives
- Autograph JourneySM Card: 60,000 bonus points after $4,000 spend
- Autograph® Card: 20,000 bonus points after $1,000 spend
- Active Cash® Card: $200 bonus after $500 spend
- AttuneSM Card: $100 bonus after $500 spend
These bonuses are issued after qualifying purchases in the first 3 months. They are credited to your account and can be redeemed for cash, travel, or gift cards. Terms apply for each offer.
Redemption Options
You can redeem points or cash rewards through the Wells Fargo Rewards portal. Options include statement credits, travel bookings, or merchandise.
Rewards don’t expire as long as your account is active. Some cards allow Pay with Rewards during online checkout.
Others let you transfer points to select partners. Make sure to review redemption values for each option.
Security and Benefits
Wells Fargo cards come with useful features that enhance your financial protection. You also get digital access to manage your account. These benefits add value beyond rewards.
Security Features
Cards include Zero Liability Protection for unauthorized purchases. You can lock or unlock your card instantly via the app.
All cards use EMV chip technology and are mobile wallet compatible. Alerts notify you of suspicious activity.
Customer service is available 24/7 for fraud concerns. ID theft protection tools are also included.
Extra Perks
Most cards include cell phone protection if you pay your bill with the card. Travel and emergency assistance are available for Visa Signature cards.
Access to special entertainment offers and ticket presales may be included. Some cards provide extended warranty and purchase protection.
You can also track your FICO credit score monthly. These features vary by card type.
Contact Information
If you need help during or after the application, use these support channels. They are available every day, including weekends and holidays.
- General Account Management: 1-800-642-4720
- International Collect Calls: 1-925-825-7600
- Application Status: 1-800-967-9521
- Rewards Redemption Help: 1-877-517-1358
Disclaimer: Wells Fargo card information is based on publicly available details at the time of writing. Terms, offers, and approval conditions may change without notice.
Make Your Move Today
Wells Fargo gives you multiple credit card options with flexible features and strong rewards.
Depending on your needs, choosing a Wells Fargo Credit Card allows you to earn points for travel or get cashback on everyday purchases.
Applying online is fast and simple if your details are ready. Compare each Wells Fargo Credit Card, understand the terms, and choose the one that works best for you.
