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Wells Fargo® Rewards® Credit Card

wells fargo rewards card
Required Credit Score:
Excellent
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Wells Fargo® Rewards® Credit Card’s Rewards

Bonus
None
Base Earn
1 points / $1
Max Earn
5 points / $1
Earn / Redeem Limit
No
  • Earn more from your purchases by earning 5 rewards points for every $1 spent on gas, grocery, and drugstore net purchases (purchases minus returns/credits) for 6 months
  • Earn 1 rewards point for every $1 spent on all other net purchases with your credit card.
  • Choose from over a thousand redemption options such as: Travel with no blackout dates, Cash rewards, gift cards, and brand-name merchandise, Charitable donations and eco-friendly options and VIP experiences and unique online auctions.
  • Turn everyday purchases into extraordinary rewards when you shop and earn rewards points with the Wells Fargo Rewards Card. You can also earn bonus points at over 3,000 online and in-store retail merchant locations.
  • Redeem for airfare and travel anywhere, anytime. Enjoy fewer air restrictions with no advance booking, no minimum stays, no required Saturday night stays, and no limits on the number of points you can use. The enhanced travel options allow you to redeem points online for hotels, car rentals, and activities.

Wells Fargo® Rewards® Credit Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 15 months
Intro Rate on Transfers
0% for 15 months
Regular Rate
12.15% - 25.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    3%

Wells Fargo® Rewards® Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE
    RATE
    23.99% - 25.99% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes, chip-and-PIN
  • Zero Liability Program: automatically protects you from liability for unauthorized transactions when you report them promptly
  • Visa benefits: Auto rental collision damage waiver, Emergency card replacement, Roadside dispatch, Travel accident insurance and Travel and emergency assistance services.
  • Verified by Visa: Protect your Wells Fargo Visa card with a unique password for online shopping.
  • Overdraft protection: You may link your credit card to your checking account to help avoid overdrafts
  • If you meet the qualifications for a Wells Fargo® Visa Signature® Card, you agree that the Bank may consider you for an upgrade from the Rewards card to a Visa Signature card. Please note, if you qualify, there is only one exclusive card design available at the issuance of the card
Apply Now
at Wells Fargo’s
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Wells Fargo® Rewards® Credit Card Reviews

 
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3.8
Overall Rating: 3.8 / 5
Total Ratings: 281
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Apr 17, 2015
Photo of Joshua L.
4
By:
Apr 17, 2015
I like how Wells Fargo Rewards card offers significantly more reward options than other rewards cards. Also, the amount of points you receive per dollar spent is quite a bit better than others I have used such as Capitol One Rewards program. The two downfalls of this card are the high interest rate and high fees for cash advances, although these pretty much line up with the rest of the credit cards I've used so its mostly the norm. Also, its nice how you have 0% interest rate for 15months.
Apr 10, 2015
Photo of Robin C.
5
By:
Apr 10, 2015
My husband and I got this card to help build our credit. So far we are very pleased. We received and incentive of 0% interest for the first 12 months which is amazing. Wells Fargo customer service for this card is also out of this world. I had a little mishap with a charge and the representative was very understanding and polite while helping us. The company reports monthly to your credit report and already our scores have jumped a great bit which was the whole purpose of getting the card. I would recommend anyone to give this company a chance.
Mar 31, 2015
Photo of Cason K.
4
By:
Mar 31, 2015
The Wells Fargo card is a solid credit card. It offers the industry standard of 1 point/$1. And on particular categories, it offers you 5 points/$1. Unfortunately, this bonus only lasts for 6 months as to where other cards offer this for the life of the card. However, those other cards charge big yearly fees as to where this card has none. Also, you get all the benefits of having a Visa which is accepted almost everywhere. Charging foreign transaction fees is also a pain, but again, it's a zero annual fee card so you lose a few of the perks. All in all, a solid choice for those who more
Mar 16, 2015
Photo of Rhonda W.
5
By:
Mar 16, 2015
The Wells Fargo Rewards card seems to be right on board with other competitive rewards card programs. The rewards seem straightforward, spend up to five dollars to receive one point, with no limits on points you can ear. There is no activation fee, and the variable finance rate, starting at around 12% but no greater than about 26% is the norm. Linking your rewards card to your checking account is an excellent advantage.
Feb 27, 2015
Photo of Jordy A.
3
By:
Feb 27, 2015
The Wells Fargo Rewards Credit Card seems about equal with other rewards cards that I've possessed, like American Express Blue Sky and Amazon Chase Rewards. All seem to have a base earn rate of around 1%, with opportunities to go higher based on where you spend money and other perks. Redeeming for airfare is a helpful option that I used often with Blue Sky, and it makes me more inclined to get and use this card. The late fee seems a bit high, but I have little sympathy for people who actually pay a late fee or ever need to know what the interest rate is. Responsible users will not more
Feb 12, 2015
Photo of Stephen D.
4
By:
Feb 12, 2015
The Wells Fargo Rewards Credit Card has definitely ended up being worth it. The five times bonus points on everyday purchases really caught my eye, but I was unsure. It turned out that almost all of my purchases fall in to that category, so the reward points rack up quickly compared to other reward cards I have used in the past. I just wish it lasted longer than just the first six months.
Be careful if you tend to carry a balance though. The interest rate is not super high, but it is definitely higher than what I have on my other cards. If you tend to pay off your balance more
Feb 5, 2015
Photo of Mary L.
4
By:
Feb 5, 2015
I love the Wells Fargo Rewards card. The 0 interest rate for 15 months is awesome. You can get your balance paid quicker without the interest piling up and also transfer your other credit cards to this card and get them paid off quickly with 0% for 15 months. I love the feature of getting 5 points on all gas, groceries and drug store purchases as well. The no over the limit fee so you can have fun buying and not worry about your limit is great! The 1 points for every $1 spent is also a nice feature. I have this on a City Card and those rewards add more
Jan 22, 2015
Photo of Samantha A.
4
By:
Jan 22, 2015
The Wells Fargo Rewards Credit Card is my favorite, and I use it EXCLUSIVELY for groceries and gas. Sometimes for other things but only if I don't have cash on me. You get 5x the rewards on groceries and gas (and drugstores, but I don't purchase at those often). I pay it off every month, so its definitely worth it to me. If I used it for all my purchases I wouldn't be able to pay it off every month, so that's why it's strictly for groceries and gas. I lost it once and Customer Service was super nice about replacing it. I used to use Bank of America and more
Jan 15, 2015
Photo of Carrillo P.
5
By:
Jan 15, 2015
Use this card instead of your debit card and always pay off the balance to reap the rewards. Only credit card I use and own, so far so good.
Jan 6, 2015
Photo of Suzanne S.
3
By:
Jan 6, 2015
The interest rate is a bit high. I have this card and a Discover card. I tend to use the Discover card more because of the low interest rate I was given. But I do use this card once a month because of the reward points. They are pretty nice when I need to make a huge grocery shop. I also use it when I go close shopping, need more school supplies, and books. Not all places accept my Discover card so I use this card as a back up. Customer service is pretty nice. I have had to call them a few times when my card was not working. more
Nov 26, 2014
Photo of Alexandria N.
4
By:
Nov 26, 2014
I like how this card offers rewards that can be used anywhere. It's cool how they give you bonus points when you buy groceries or gas because a lot of your money will go towards those necessities. The card also has good benefits and no annual fee, but the interest rate seems a bit bad.
Nov 13, 2014
Photo of Jodie C.
4
By:
Nov 13, 2014
This is a good card and Wells Fargo customer service is always a bonus. The point system of rewards is a little difficult to understand at first, but works out to be favorable. Their interest rates and fees are about equal to the card that I normally use, but it's not a great idea to use this card for cash advances because that's where the rates go up substantially. A card like this is handy for people like me who travel on a regular basis because there are definite rewards for booking airfare and rental cars.
Nov 10, 2014
Photo of Collin V.
3
By:
Nov 10, 2014
The rewards program on the Wells Fargo Rewards card leaves much to be desired - they offer an ambiguous points based system, which I find difficult to translate into tangible value. I much prefer a simple cash back rewards program. In my case, with the Capitol One Quicksilver, I get 1.5% cash back on all purchases, including my rent and utilities. This discount adds up quickly each month, and I know exactly what I'm getting. The one advantage this card has is that there is no annual fee.
Sep 15, 2014
Photo of Matt M.
5
By:
Sep 15, 2014
This is an excellent credit card for everyday usage. I like to use this card instead of my debit for all of the extra protection it offers from fraud, as well as the bonus points to use towards cash back or other incentives. My other card is an AMEX Blue and this Wells Fargo Rewards cards beats it easily! The card provides 0% apr for the first year, which is another added bonus. The best part about the card is it provides 5 points for every $1 you spend on gas, grocery, and drugstore shopping trips for the first 6 months. I give the card 5 stars for an everyday more
Sep 10, 2014
Photo of Brian I.
5
By:
Sep 10, 2014
This is my go to card when I fill up my car, because there rewards points for it is generously high ( 5 points per $ spent), not bad, especially since I gas almost every week. Their interest rates and fees are up to par with most of the other credit cards around. What I won't do with this card is make cash advances on it, since the rates are high. What I especially love about this card is, its the only one I have that has a built in gold chip on it, which gives me the extra security I need, and want in a credit card. I'm planning more
Sep 3, 2014
Photo of Anna B.
5
By:
Sep 3, 2014
This is a very good credit card, though not the one I use for daily purchases, because the rate is variable and I prefer the fixed rate (and 3x rewards, since I frequently shop Amazon) that I get with my Amazon Rewards card. I keep this as an occasional use card, and as overdraft protection for my Wells Fargo checking account (and it helps me get free checking which is something to look into if you also have other Wells Fargo products, which is a tidy reward in it's own right). The rewards are OK and they do sometimes have promos for extra rewards. The major selling point that keeps more
Aug 11, 2014
Photo of Derek J.
4
By:
Aug 11, 2014
This is a good card. I have always had success with Wells Fargo customer service. I have a different Wells Fargo credit card linked to my account in order to avoid overdraft fees. It works out quite nicely when things like that happen. The rewards are similar to my Capital One venture card. The interest rate is pretty standard. Also the introductory rate is great. You can even transfer balances for 12 months for 0%, obviously at times this would come in very handy. I would definitely recommend this card to friends and family and would even consider it for personal use.
Jul 24, 2014
Photo of Wayne P.
5
By:
Jul 24, 2014
We've had this card for 14+ years, I just found a car rental for about half of what the big travel sites were running, I didn't have enough points to get it free and clear, but was able to use my points and cover the rest with $. So it really worked well. I ordered plane tickets for my parents awhile back and the Wells Fargo Rewards website had tickets on Southwest Airlines lower than Southwest.com. Every time we have looked to go to a different card, the Wells Fargo Signature still wins out. We pay the balance every month so I haven't had any dealings with the interest rate. more
Jun 9, 2014
Photo of Barbara F.
4
By:
Jun 9, 2014
Compared to my Capital One platinum card, this seems to be a great card with lot's of benefits. The interest rate can be a bit high but I think the rewards make up for that. I like the fact that you can link the card to a checking account to avoid overdraft fees. Roadside dispatch and emergency assistance services can come in real handy! This card is way better than the one I have now!
May 27, 2014
Photo of Gershom R.
4
By:
May 27, 2014
The Wells Fargo Rewards Credit Card has various options that make it highly consumer favored. The Intro Rates provided for the card aren’t matched by many card of its caliber, as it covers both purchases AND transfers. The cash advance fee is smaller than the card that I use, which makes it useful to get cash in a pinch, without being put back too much. The cash back program goes up to 5% for gas and grocery shopping, a 2% increase from their college credit card. However, the regular rate appears to have the possibility of reaching high numbers, up to 25.99%, which is very high.
May 9, 2014
Photo of Alex J.
4
By:
May 9, 2014
The rewards and incentives for this card seem like a very good deal. I typically do not leave a balance on my card so the interest rate is not an issue for me. If you take advantage of all of the rewards, you can really save a lot of money.
Apr 17, 2014
Photo of Andy G.
4
By:
Apr 17, 2014
I like that this card offers 5 points for every dollar spent on gas. That's extremely high and considering that I spend $50+ per tank fill, this can really add up to some serious rewards. I use the Chase Signature credit card and American Express Premium rewards as my primary cards and while they don't quite stack up on the gas front, my American Express card offers fantastic rewards overall which I think outshine this card. The Chase card however doesn't stack up with the offerings of the Wells Fargo card.
Apr 9, 2014
Photo of Amanda T.
4
By:
Apr 9, 2014
Although the interest on the card is a bit high for me, I can say my experience with this card has been fine. I get around $25/3 months in rewards for groceries and gas, which is great because I just put it back into the credit card. They do offer more points per dollar for certain items, but those items have to be bought through their online rewards store (things like flowers for delivery for mom). I'm giving the card 4 stars because I've had it for 6 years now, have received a credit limit boost each review period, have never made a late payment on it, and still am more
Mar 31, 2014
Photo of John H.
5
By:
Mar 31, 2014
The Wells Fargo Rewards credit card seems like a cool credit card to have. You get reward points (with each point being $1) for buying everyday items and you can use those points to make other purchases like travel. I think the interest rate is pretty decent as well.
Mar 26, 2014
Photo of Gary C.
5
By:
Mar 26, 2014
I am loving this card! Having a long relationship with Wells Fargo as my bank, it's a company I can trust. This card has been great for gaining rewards for trips I have planned. The amount of gas and groceries I buy per year adds up to free trips with this card. Having no yearly fee and 0% interest for the entire first year has been a god send. I would definitely recommend this card, awesome company, great rewards and low interest rates.
Mar 17, 2014
Photo of Reg K.
4
By:
Mar 17, 2014
The Wells Fargo Rewards Card has different opportunities to receive bonus points than the other cards I have. I haven't seen any others that give you five points for groceries and gas. It would be nice if they offered an initial bonus, but the bonus points should add up fast.
Mar 14, 2014
Photo of Sherri L.
3
By:
Mar 14, 2014
The thing that I like about the Wells Fargo Rewards Credit Card is that you can earn points on money spent. And the cash advance fee is very low at 5% compared to my Capital one card that is at 24.99%. I also like that you can link your credit card to your checking account to help avoid any overdraft fees. All in all I think this a great card and think it should definitely be considered if you're looking for a new card.
Mar 5, 2014
Photo of Allie B.
4
By:
Mar 5, 2014
The Wells Fargo Rewards card is a great and convenient card to have and offers great rewards for money spent. However, the regular rate can be eye-wateringly high and cause you trouble if you aren't careful, so only choose this card over a card like Capital One Venture Rewards if you are careful about money.
Feb 24, 2014
Photo of Number T.
4
By:
Feb 24, 2014
The Wells Fargo Rewards card offers some great perks. In this era of tight money even a small amount of cash back on purchases is a big bonus. Also great is the fact that you can use the rewards in so many different ways. When it is time for a new credit card I will certainly consider this one.
Feb 3, 2014
Photo of Marina M.
5
By:
Feb 3, 2014
I like Wells Fargo, and I think this is a great card to have. I like how you can earn points for money spent. I would recommend applying for this card, if you are looking for a new credit card to have.
Feb 2, 2014
Photo of Tommy D.
3
By:
Feb 2, 2014
I think it is a great card, one of the best things about the card would be all the rewards you would get just for charging what you normally would. The only downside would be I don't have perfect credit so would never qualify.
Jan 27, 2014
Photo of James L.
4
By:
Jan 27, 2014
I like the Wells Fargo Visa Signature card for it gives me reward points for every $ that I spend with it. In the past I have purchased items such as an Apple iPOD Video with the points, as well as having redeemed the points for cash back checks in the amount of $100 each. It is accepted internationally and is a great card to have! They also have a "Rewards" web site where you can redeem your points, and they have a very large selection of items to choose from. And that includes gift cards from many of the bigger retailers out there.
Dec 17, 2013
Photo of Jeff G.
4
By:
Dec 17, 2013
The Wells Fargo Rewards Credit Card, compared to some of my other credit cards seems to be a good deal. I really like the fact that I can get up to 5 points for every dollar I spend on gas and groceries. That is a large percentage of what I use a credit card for and this will really rack up in the first 6 months. Some of my other cards still have blackout dates for travel redemption, and this card does not have any blackout dates. This is a major plus for me. Otherwise it seems to stack up pretty closely with my other credit cards.
Dec 13, 2013
Photo of Lux V.
4
By:
Dec 13, 2013
I've been comparing this card to my Amex blue cash preferred card. First off is the interest rates. With my Amex card there is only a maximum potential of a 22% rate. For the Wells Fargo card it goes up to 26%. It's unlikely that would be my or your rate, but it's something to keep in mind.

Next is rewards. With my Amex card it is strictly cash back and I can earn up to 6% back when I use it at the grocery store, 3% for gas and 1% for everything else. the Wells Fargo card works on a point system, but I feel they win in this category more
Dec 6, 2013
Photo of Chelsea M.
4
By:
Dec 6, 2013
The Wells Fargo Rewards Credit Card, in my opinion, is an amazing card to have. Other credit cards do not have a rewards system as good as this one. In comparison to the Bank of America Credit Card, the benefits are so much better. A lot of other banks hit you with fees that you didn't even know you would ultimately have to pay for. With the Wells Fargo Credit Card any fees they might hit you with they make sure you know ahead of time.
Dec 4, 2013
Photo of Scott M.
3
By:
Dec 4, 2013
I've been comparing several different cards, and I've found that the Wells Fargo Rewards Credit Card is a good overall choice. I like the introductory APR, and when used responsibly this card can offer great membership benefits. Visa is universally accepted, and the point rewards are better than a lot of cards I've reviewed. I personally like AE cards better, but this card offers a better standard interest rate after the introductory period ends. One thing I always look for are annual fees. They really eat up my rewards because I don't typically use credit cards on a daily basis. I think there are better choices for myself, and my more
Nov 26, 2013
Photo of Jay F.
3
By:
Nov 26, 2013
The Wells Fargo Rewards Card has fair rates, especially for those who qualify, with a floor of 12%. Still, if you aren't as fortunate as some you could be looking at a rate as high as 26% which is quite high and would send me looking elsewhere for a credit card. The real meat and potatoes of this card is the reward system and since I don't have a card with a great rewards plan I wanted to look further into this card. The first 6 months you can really stack up points earning 5 for every $1 spent at select stores. After that you drop to a 1 for more
Nov 22, 2013
Photo of Jane L.
4
By:
Nov 22, 2013
The Wells Fargo Rewards Credit Card is an okay rewards card when compared to other options on the market. The 6 month intro rate of 5 points back per dollar is a nice perk, but obviously not permanent. The 12 month 0% interest rate is probably one of the biggest advantages to this card right now. And then the regular rate of 12.15% - 25.99% is really decent compared to other cards. The redeem limit is not capped, which is also a plus! However, there are other rewards cards that might offer more bang for you buck long-term. The American Express Blue Cash card offers 5% on grocery, gas, and more
Nov 19, 2013
Photo of Jester C.
3
By:
Nov 19, 2013
Many of the prevailing features of the Wells Fargo Rewards Credit Card are strikingly similar to most of the rewards program credit cards currently being offered. Standard rewards rate is 1 point for every dollar spent with a max earnings level of 5 points for each dollar. Nothing to get overly excited about as this is a pretty standard rewards level. The Wells Fargo Rewards Credit Card has an average appeal when it comes to balance transfer perks, with 12 months interest free, but also with a 3% transfer charge per balance. The standard interest rate after the introductory period of 12 months for all purchases has as vast a more
Nov 11, 2013
Photo of Quinn C.
4
By:
Nov 11, 2013
Looking at the Wells Fargo rewards credit card makes me wish that I would have gotten this card instead of the one I have currently! With up to 5 points earned per dollar when you use the card at specific locations, those points will add up quickly. On top of that you get 1 point for every dollar earned everywhere else you use the card. Not to mention the huge selection of point redemption options. The possible low interest rate of 12% just makes this card even more appealing, as well as the 0% interest rate for 12 months. I also really like the 25 day grace period for late payments.
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Aug 6, 2014
Photo of Makaley L.
By:
Aug 6, 2014
Does one get money back at the end of the year or does one have to use points on purchases?
Aug 7, 2014
Photo of Card H.
Aug 7, 2014
It’s better if you call customer service at 1-877-517-1358. Most likely you will get an answer to your question.
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Last updated on: Apr 17th, 2015 at 9:19 EDT