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Wells Fargo Visa Signature® Card review

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A no-annual-fee credit card with 50% extra value when you redeem your points for airfare.

30-seconds take

  • Get this card if you want a rewards card with a long intro APR period on purchases and balance transfers.
  • Pick something else if you want to earn a higher rewards rate.
  • Apply with a good to an excellent credit score of 670 or higher.

Up to 5x

Points

$0

Annual fee

0%

Intro Purchase APR

for the first 15 months (then 14.49% to 27.49% variable)

0%

Intro Balance Transfer

for the first 15 months (then 14.49% to 27.49% variable)

Details

Product NameWells Fargo Visa Signature® Card
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 15 months (then 14.49% to 27.49% variable)
Balance transfer APR0% intro for the first 15 months (then 14.49% to 27.49% variable)
Cash advance rate26.24% to 28.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $37
Returned payment feeUp to $37

The basics

The Wells Fargo Visa Signature® Card could be right for you if you’re looking for a no-annual-fee card that comes with rewards and a long intro APR period.

However, this isn’t the best card to use abroad as it comes with foreign transaction fees.

Another cashback category card

Blue Cash Preferred® Card from American Express

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • NEW 6% cash back on select U.S. streaming subscriptions.
  • NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees
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See Rates & Fees
Promoted

The perks

  • Earn points.
    Earn 5x points on grocery, gas and drugstore purchases on up to $12,500 for the first six months. After that, and on all other purchases, you’ll get 1x points.
  • Extra value for your points.
    You’ll get 50% more value for your points when you redeem them for airfare. For example, 30,000 points is a $450 value toward airfare redemption or a $300 value toward cash redemption.
  • Intro APR period.
    The 0% intro APR period on purchases and balance transfers is valid for the first 15 months. After that, a variable APR of 14.49% to 27.49% applies.

You’ll also like…

  • No annual fee.
    You’ll pay no annual fee to own the card.
  • Travel benefits.
    This includes travel and roadside assistance, roadside dispatch, trip cancellation protection, lost luggage reimbursement, auto rental collision coverage, travel accident insurance, and emergency card replacement and cash disbursement.
  • Security.
    This chip-enabled card comes with rapid alerts, purchase security, price protection, cellphone protection, and extended warranty protection. The Zero Liability program protects you from unauthorized transactions.

Case study: Aliyyah’s experience

profile pic

Aliyyah Camp
Publisher

This was my very first credit card — I got it while I was in college. It was simple for me to get because I already I had a checking and savings account with Wells Fargo. I received an offer from them, verified my information and was approved.

My initial credit limit was $3,000, which was a great starting point for me. Over the years, my limit has increased — sometimes automatically based on good payment history, and sometimes by my request.

I’ve since graduated to other Wells Fargo cards that offer better rewards, but I keep my Visa Signature card open to maintain the length of my credit history.

What to watch out for

  • Foreign transaction fees.
    You’ll pay 3% of each transaction when you use this card outside of the US.
  • Different Visa credit cards.
    Depending on your credit score and other factors, you may not get the Visa Signature version of the card. Instead, Wells Fargo may issue a Visa Platinum card.

Compare rewards credit cards

Updated September 15th, 2019
Name Product Welcome offer Rewards Annual fee Filter values
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees

Compare up to 4 providers

What to know before you apply

You may apply for the card if you’re at least 18 years of age and a citizen or resident of the US.

Also, you’ll need to provide your:

  • Full name and contact details
  • Date of birth and Social Security number
  • Monthly payments toward rent or mortgage
  • Gross annual income from all sources

What credit score do I need?

Applying with a credit score of 670 or higher increases the probability of your application’s approval.

What do customers say about the Wells Fargo Visa Signature® Card?

Customers love the bonus points they earn during the first six months. However, some customers don’t like the fact that they didn’t receive a Visa Signature card. Instead, they got a Visa Platinum card.

The Better Business Bureau is yet to rate or accredit Wells Fargo.

How to apply for the Wells Fargo Visa Signature® Card?

  1. On the Wells Fargo Visa Signature® Card website, click Apply Now.
  2. If you’re an existing Wells Fargo customer, provide your login details. If not, click Continue.
  3. Complete the application form.
  4. Check if the information you’ve entered and click Submit.

I got the card. Now what?

  • Download the Wells Fargo Mobile app. Use the app to make money transfers, to pay your bills, to track your investments and more.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Customer service. If you have questions, call 800-642-4720 or contact Wells Fargo via Facebook @wellsfargo or connect on Twitter @WellsFargo.

Bottom line

This card comes with short-term and long-term benefits, and you get to make the most of it in the first six months. With no annual fees and an intro APR period for the first year you’ll save money.

However, if you think there could be a better card for you, check out other credit cards to compare your options.

Frequently asked questions.

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