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Wells Fargo Rewards® Card review

Pay no annual fees, get bonus points and save more with 0% APR for 15 months.’s rating: 4.1 / 5


  • Get this card if… you want a rewards card with no annual fees and an intro 0% APR.
  • Good to excellent credit score of 670 to 850 recommended.

Up to 5x



Annual fee


Intro purchase APR

for the first 15 months (then 12.49% to 25.49% variable)


Intro balance transfer

for the first 15 months (then 12.49% to 25.49% variable)


Annual fee$0
Welcome offer5x points on gas, groceries, and drugstores for the first 6 months on up to $12,500, then 1x points after that and on all other purchases
Rewards5x points on gas, groceries, and drugstores for the first 6 months on up to $12,500, then 1x points after that and on all other purchases
Purchase APR0% intro for the first 15 months (then 12.49% to 25.49% variable)
Balance transfer APR0% intro for the first 15 months (then 12.49% to 25.49% variable)
Minimum Credit Score670

Review by

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker,, American Banker and featured on news broadcasts across the country.

Expert review

The Wells Fargo Rewards® Card is a gas-and-groceries rewards card that comes with no annual fee and flexible redemption for cash or airline miles. For the first six months, you’ll earn a generous 5x points on gas, groceries and drugstore purchases.

A 0% APR on purchases and balance transfers for 15 months will save you even more. And because it’s a Visa, you’ll get network benefits that range from roadside dispatch to travel accident insurance, adding to the card’s appeal.

Review SiteStar ratingReview count
Wallet Hub3.7/5429 reviews

How to apply for the card

  1. On the Wells Fargo Rewards® Card website, click Apply Now.
  2. Complete the application by entering your personal, employment and financial information.
  3. Review your information for accuracy, and click Submit.

How long will it take to be approved?

Wells Fargo processes its applications online, which means that you can typically learn your application’s conditional approval soon after submitting it.

The perks

  • Bonus points. Redeem bonus points when you spend in the first three months.
  • Points rewards. Earn 5x points on purchases made at gas stations, grocery stores and drugstores for the first six months and 1x points on all other purchases. Earn points more quickly when you shop at the Wells Fargo Earn More Mall.
  • Reward options. Use your points toward air travel without worrying about advance booking or minimum stays. Other options include merchandise, gift cards, car rentals, hotels, cruises and more. For cash rewards, get a check or a transfer directly into a qualifying Wells Fargo account.
  • 0% intro APR. Pay no interest on purchases and balance transfers for the first year.
  • Cell phone protection. Use your card to pay your cell bill, and get up to $600 in Wells Fargo cell phone protection if your phone is broken or stolen.

You’ll also like …

  • No annual fees. Pay no fees to enjoy your rewards card as long as you’d like.
  • Protection and security. Take advantage of a zero-liability program, emergency card replacement, travel and emergency assistance services, an auto rental collision damage waiver, roadside dispatch and travel accident insurance that comes with Visa.

What to watch out for

  • End of intro APR. Save yourself any financial hassle by paying off your balances before the intro APR expires. After the intro, your APR will jump to a variable 12.49% to 25.49% variable.
  • Foreign transaction fee. Each time you use this card outside the States, you’ll pay of your transaction in US dollars.
  • Expiration of points. Your points will remain valid for five years from the time you earned them.
  • Other fees and penalties. When the intro APR expires, your balance transfer fee can increase from $5 or 3% of the transfer, whichever is greater, to $5 or 5% of your transfer after the first 120 days from account opening. Late and returned payments come with penalties of up to $37. You’ll also pay fees for cash advances and overdraft protection advances.

Compare rewards credit cards

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American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after spending $2,000 in the first 6 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 other purchases (redeem as statement credit)
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What to know before you apply

Apply for the Wells Fargo Rewards® Card if you’re:

  • At least 18 years old.
  • A resident of the US.

Information you’ll need

To apply for this card, you’ll need to provide your:

  • Full name, personal contact information and Social Security number.
  • Housing status and monthly rent or mortgage payments.
  • Employment status and gross annual income from all sources.

What credit score do I need?

People with credit scores of 670 or higher have a better chance of approval for this card.

I got the card. Now what?

  • Make timely payments. Register your account online with Wells Fargo to monitor your spending and make payments.
  • Avoid interest. Make use of the 25-day grace period after each billing cycle to avoid paying interest on purchases.
  • Avoid unnecessary fees. Late and bounced payments come with stiff fees, among other potential penalties.
  • Customer service. Call 800-869-3557 for support or connect with the bank on Facebook @wellsfargo or Twitter @WellsFargo.

Bottom line

This is a no-frills rewards card that’s on par with many others out there. It offers a 0% intro APR on purchases and transfers that just might be what you need to make your decision.

But if you’re a big spender or travel internationally often, you might want to consider other cards offering rewards that could benefit your specific lifestyle or habits.

Our guide to the best 0% APR cards

Common questions about Wells Fargo Rewards® Card

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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Learn the details of our methodology and scoring.

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