Wells Fargo Credit Card Review

(July 2024)

Wells Fargo Credit Card Review

In This Article

Our Verdict

Want a credit card that’s super convenient and packed with awesome benefits? Look no further! Introducing the Wells Fargo Credit Card – your new best friend for all your financial needs. With this card in your pocket, you can enjoy easy shopping, online payments, and secure transactions.

Get ready for a fantastic experience that offers great flexibility and convenience in managing your money. Whether you love to travel, enjoy shopping smartly, or want to improve your credit, take advantage of this credit card that offers competitive interest rates, generous rewards, and top-notch security features.

Bear in mind that the financial institution is a large, multinational bank with its headquarters in San Francisco and it’s operational in 37 states including, Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas (including El Paso), Utah, Virginia, Washington, and Wisconsin.

For assistance, contact
Corporate Address
Address: Wells Fargo 420 Montgomery Street, San Francisco, CA 94104.
Phone number: 90051-5493
Website: www.wellsfargo.com


  • Gives access to emergency funds or unexpected expenses.
  • Offers 0% intro APR on purchases and balance transfers.
  • Offers cell phone protection, which can help you pay for repairs or replacements if your phone is lost or damaged.
  • Includes extra benefits like travel insurance, purchase protection, extended warranty, and roadside assistance.
  • Provides a diverse selection of credit card choices tailored to meet the individual requirements of customers.


  • Offers limited redemption options.
  • Charges high balance transfer fees.
  • Has a reputation for poor customer service and unethical practices.
  • Gives limited rewards compared to other credit cards.

Who Wells Fargo Credit Card Is Best For

Who Wells Fargo Credit Card Is Best For

Think of Wells Fargo if you:

  • Need to pay off debt or finance a large purchase.
  • Travel frequently and spend a lot on restaurants, gas stations, transit, streaming services, and phone plans.
  • Want to earn rewards on your regular purchases.
  • Are an existing customer of Wells Fargo bank.

Who Wells Fargo Credit Card Isn’t Right For

Wells Fargo Credit Card may not be right for you if you:

  • Value customer service.
  • Want to earn more rewards and perks.
  • Have a bad or fair credit score.
  • Need a credit card with minimal fees.

What Wells Fargo Credit Card Offers

Wells Fargo Active Cash® Card

If you want to earn cash-back rewards on your everyday purchases, consider this card which often comes with an introductory bonus especially if you’re a new cardholder.

Wells Fargo Reflect® Card

Understand that this card typically offers an introductory 0% APR for a certain period on purchases and balance transfers, making it suitable for you if you are looking to manage debt or make large purchases without accruing interest.

Wells Fargo Propel® Card

Check out this card which allows you to earn rewards in multiple categories, such as travel, dining, gas stations, and more. It may also offer points or cashback on eligible purchases.

Wells Fargo World Elite® Card

If you’re looking for a premium credit card that offers a variety of benefits, Wells Fargo World Elite ® Card is a great option for you.

Wells Fargo Credit Card Details

Wells Fargo Active Cash® Card

With this card, you can accumulate boundless 2% cash back on all your purchases, without the need to monitor specific categories or remember any complex regulations. Additionally, if you make $500 worth of purchases within the initial 3 months, you receive a $200 cash rewards bonus. The card doesn’t come with an annual fee, and it offers a 0% introductory APR for 15 months on both purchases and qualifying balance transfers.

Wells Fargo Autograph℠ Card

This card allows you to earn three times the points on dining, travel, gas stations, public transportation, popular streaming services, and phone plans. For all other purchases, you earn one point per dollar. Moreover, if you spend $1,000 on purchases in the first three months, you have the chance to receive a bonus of 20,000 points. Remember, the card has no annual fee and provides a 0% introductory APR for 12 months on purchases.

Wells Fargo World Elite® Card

Take advantage of this card’s benefits. Earn triple points on travel, dining, gas stations, and commuting expenses. While there’s a $95 yearly fee, you can get a generous 50,000 points welcome bonus if you spend $4,000 in the initial three months of opening the account.

Wells Fargo Reflect® Card

Check out this amazing card. It gives you the lowest intro APR for 21 months on both purchases and qualifying balance transfers. That means you can save big on interest and pay off your debt faster, which is awesome, right? And here’s another fantastic benefit: no annual fee! You don’t have to worry about paying extra just to keep the card.

Wells Fargo Propel® Card

Take a look at some benefits that this awesome card gives you – like 3x points on travel, dining, gas stations, and streaming services. Sweet deal, right? Now, keep in mind, there’s a $95 annual fee, but don’t fret! You can access a welcome bonus of 20,000 points once you spend $3,000 in the first 3 months from the time you open the account.

Where Wells Fargo Credit Card Stands Out

Customer Service Concerns

Consider what customers are saying about Wells Fargo’s customer service. Some complain about having a tough time getting their issues resolved, dealing with super long wait times, and talking to representatives who aren’t all that helpful. Keep that in mind if you’re thinking about going with them

High Fees

Keep in mind that some Wells Fargo credit cards have high fees, like annual fees and foreign transaction fees. Do you know that these fees can pile up and affect how much your card is really worth? Yes! This impact the overall value of the card especially if you travel a lot or don’t use the card too often.

Limited Rewards Program.

Although Wells Fargo provides rewards for select credit cards, some customers observe that their rewards program is not as competitive as those rewards from other major issuers. This may be due to limited choices for redeeming rewards and lower rates of rewards, which could be less appealing to you if you are seeking more substantial rewards.

Credit Card Approval Criteria

Wells Fargo has the reputation of having relatively strict credit card approval criteria, which can make it challenging for some applicants with average or limited credit histories to qualify for certain cards.

Low credit limits

Understand that Wells Fargo credit cards come with comparatively lower credit limits compared to other card issuers. This can impact both your credit utilization ratio and your capacity to make significant transactions.

How to Qualify for Wells Fargo Credit Card

Credit Score

Wells Fargo offers a range of credit cards catering to different credit profiles. Generally, a higher credit score increases your chances of approval for their premium rewards cards. To qualify for their top-tier cards, you need a good to excellent credit score (typically 670 or higher). However, they may have cards available for individuals with fair or limited credit as well.

Income and Debt-to-Income Ratio

Bear in mind that Wells Fargo considers your income and debt-to-income ratio to assess your ability to handle new credit. A higher income and lower debt relative to your income can enhance your eligibility.

Credit History

A positive credit history, including a demonstrated record of on-time payments and responsible credit use, can improve your chances of approval.

Residency Status

Don’t forget that you must be a U.S. citizen, or permanent resident, or have a valid Social Security Number to apply for most Wells Fargo credit cards.


Remember that you need to be at least 18 years old to apply for a credit card in the United States.

How to Apply for Wells Fargo Credit Card

Explore Credit Card Options

Begin by researching Wells Fargo credit cards. You can visit their official website or contact their customer service to learn about the various credit card options available. Each card comes with its own unique features, benefits, and rewards programs. Take your time to find the card that best suits your preferences and needs.

Check Eligibility Requirements

After identifying a Wells Fargo credit card that interests you, carefully review the eligibility requirements. These criteria typically encompass factors like your credit score, income level, and other financial information. Make sure you meet these requirements before moving forward with the application process.

Gather Necessary Documents

Before applying for a credit card, collect all the required documents that you may need during the application process. These documents might include identification papers, proof of income, and other relevant financial information.

Choose Application Method

Wells Fargo offers multiple ways to apply for a credit card. The most common and convenient method is to apply online through their website. However, if you prefer a face-to-face approach, you can visit a Wells Fargo branch and apply in person. Pick the option that best suits your preferences.

Complete the Application

Fill out the credit card application form with accurate and up-to-date information. Provide details about your personal information, contact details, employment status, and financial particulars as required. Take your time to review all the information provided before submitting the application.

Alternatives to Wells Fargo Credit Card

Citi® Double Cash Card

Check out Citi Double Cash Card, a cashback credit card that allows you to earn cash back twice: 1% when you make purchases and an additional 1% as you pay them off. This card is a great option for you especially if you prefer straightforward rewards.

Chase Sapphire Preferred® Card

Explore this popular travel rewards credit card that offers generous sign-up bonuses, points on travel and dining, and various travel benefits. It’s an excellent option for you if you want to maximize your rewards on travel-related expenses.

American Express® Platinum Card

Take advantage of this premium travel rewards card from American Express that offers a wide range of benefits, including airport lounge access, travel credits, hotel perks, and rewards points for travel-related expenses.

Customer Reviews

Wells Fargo credit card receives a rating of 1.3 out of 5-star rating on Trustpilot from a total of 1006 customer reviews. Some of the factors that affect the ratings are the rewards, fees, customer service, fraud protection, and balance transfer options.

Pro Tips

  • Understand Your Card Benefits: Familiarize yourself with the features and benefits of your specific Wells Fargo credit card. These may include cash-back rewards, travel perks, purchase protections, and more. Knowing what your card offers can help you maximize its use.
  • Pay on Time: Pay your credit card bill on time every month to avoid late fees and maintain a positive credit history. Setting up automatic payments or using reminders can help you stay on track.
  • Avoid Carrying High Balances: Aim to pay off your credit card balance in full each month to avoid accumulating high-interest charges. If you can’t pay the full balance, at least make more than the minimum payment to reduce interest costs.
  • Monitor Your Account: Regularly check your credit card transactions and statements to identify any unauthorized charges or errors. This can help you detect potential fraud early and ensure accurate record-keeping.
  • Utilize Online Tools: Wells Fargo provides online tools and mobile apps that can help you track your spending, set budget alerts, and manage your credit card account efficiently.
  • Keep Credit Utilization Low: Try to keep your credit utilization ratio (credit card balance divided by credit limit) below 30%. This can positively impact your credit score.


Remember that Wells Fargo Credit Card offers various advantages such as cash-back rewards, travel privileges, and attractive introductory APRs. It ensures security through its online platform and is widely accepted, providing you with ease and adaptability for your regular transactions. However, be careful of potential charges and interest rates in order to make the most of the card’s perks.

Become a

S'witty Kiwi Credit Insider!

Get the latest credit tips and hacks in your inbox!