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Wells Fargo Rewards® Card review

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Pay no annual fees, get bonus points and save more with 0% APR for 15 months.

  • 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 17.99% to 26.99% variable)


Intro Balance Transfer

for the first 15 months (then 17.99% to 26.99% variable)


Product NameWells Fargo Rewards® Card
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 15 months (then 17.99% to 26.99% variable)
Balance transfer APR0% intro for the first 15 months (then 17.99% to 26.99% variable)
Balance transfer fee$5 or 5% of the transaction, whichever is greater
Balance transfer fee descriptionIntro fee of $5 or 3%, whichever is greater, for 120 days from account opening, then $5 or 5%
Cash advance rate25.49% to 27.49% 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
Additional cardholder fee$0

Expert review

Megan Horner

Review by

Megan Horner is the credit cards publisher at finder.com. 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. Previously, she edited and published educational articles on credit cards as an assigning editor at Credit Karma.

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

Another card with cashback categories

Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
Read less
Read more
See Rates & Fees

The perks

    • 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 17.99% to 26.99% 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

    Updated November 21st, 2019
    Name Product Welcome offer Rewards Annual fee Filter values
    30,000 points after spending $2,000 in the first 3 months
    3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
    Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
    $150 after spending $1,000 in the first 3 months
    2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
    Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
    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
    Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
    $150 after spending $1,000 in the first 3 months
    1.5% cash back on all purchases
    Unlimited 1.5% cash back. Rates & 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
    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

    Compare up to 4 providers

    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.

    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.

    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 0% APR credit cards

    Common questions about Wells Fargo Rewards® Card

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