Wells Fargo Visa Signature Card review | finder.com

Wells Fargo Visa Signature® Card review

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Wells Fargo Visa Signature® Card

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.
Product NameWells Fargo Visa Signature® Card
Card TypeVisa
Annual Fee$0
Purchase APR14.74% to 27.74% variable
Intro Purchase APR0% for the first 15 months (then 14.74% to 27.74% variable)
Balance Transfer APR14.74% to 27.74% variable
Intro Balance Transfer APR 0% for the first 15 months (then 14.74% to 27.74% variable)
Cash Advance Rate26.24% to 28.24% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $37
Minimum Age18 years of age
Rewards5x 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.
Base Rewards1x points
Rewards Points Expiry5 years

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.

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 14.74% to 27.74% 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.

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 top rewards credit cards

Updated April 25th, 2019
Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
$150 cash back after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$150 statement credit after spending $1,000 in the first 3 months
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. 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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