Is the Wells Fargo Visa Signature Card worth it? I August 2018
wells fargo visa signature credit card

Review: Wells Fargo Visa Signature® Card – August 2018

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Earn 20,000 bonus points and get 50% extra value when you redeem your points for airline rewards.

  • Get this card if … you want a rewards card with no annual fee.
  • Good to excellent credit score of 690 to 850 recommended.

The basics

The Visa Signature Card from Wells Fargo deserves your attention if you’re looking for a no-annual-fee card that comes with rewards. You’ll get a signup bonus of 20,000 points if you spend $1,000 on purchases in the first three months. You’ll earn 5x points across multiple categories for the first six months, and 1x points on all purchases thereafter.

You can redeem your points for travel, cash back, gift cards, merchandise and more. You’ll certainly save money with the card’s 0% intro APR offer for purchases and balance transfers for the first year. If you’re looking to use this card overseas, you may want to look elsewhere — there’s a 3% fee for foreign transactions.

The nuts and bolts

Product nameVisa Signature Card
Issuing BankWells Fargo
Recommended credit score range690–850 (good to excellent)
Annual fee$0
Signup bonus20,000 bonus points if you spend $1,000 on purchases in the first 3 months
Purchase APR13.15%–26.99% variable
Intro Purchase APR0% for 12 months, 13.15%–26.99% variable thereafter
Intro balance transfer APR0% for 12 months, 13.15%–26.99% variable thereafter
Balance transfer fee
  • $5 or 3% of the transferred amount, whichever is greater, for the first 12 months
  • $5 or up to 5% of the transferred amount, whichever is greater, thereafter
Foreign transaction fee3% of each transaction in US dollars
Cash advance rate24.99%–26.99% variable
Cash advance fee$10 or 5% of the transaction, whichever is greater
Penalty APRN/A
Late payment feeUp to $37
Returned payment feeUp to $37
Overlimit fee$12.50 if the total overdraft protection advance for the day is $50 or less; $20 if the total overdraft protection advance for the day exceeds $50.
Maximum credit limitNone
Minimum interest charge$1.00

The perks

                              • Signup bonus. Spend $1,000 in the first three months from account opening and earn 20,000 bonus points.
                              • Earn points. Earn 5x points on grocery, gas and drugstore purchases for the first six months. All other purchases come with 1x points. You’ll earn points faster when you shop at the Wells Fargo Earn More Mall.
                              • Extra value for your points. You’ll get 50% more value for your points when you redeem them for airline rewards. For example,

Megan Horner

As the assistant publisher of credit cards at finder.com, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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