![]() ![]() Wells Fargo is one of the oldest banking organizations in the U.S., formed in 1852 as an express and banking company in California by the same founders as American Express-Henry Wells and William Fargo-to take advantage of the booming gold rush that began in 1848. Keep in mind that you may not eligible for a new card bonus or 0% APR offer if you opened a Wells Fargo credit card in the last 15 months and received a bonus or APR offer on that card. If the system is unable to approve you, you should receive a letter requesting more information or explaining the bank's decision within seven to 10 business days. Is any portion of your income non-taxable?Īfter submitting an application, most people receive an immediate decision.To apply for a Wells Fargo consumer credit card, you'll need to provide the following information: However, college students can start to build credit with the student credit card. Wells Fargo does not offer cards targeted to consumers with no credit history or poor credit (below 670 FICO). It does not offer a secured credit card for consumers, but it does have a business secured credit card. Wells Fargo offers credit cards for consumers and small business owners with good (670 FICO) credit and above. Standard APRs are as low as 11.15% and as high as 24.99%, depending on your personal information and which card you apply for. Most cards have a range of interest rates that are based on your creditworthiness. Interest rates for Wells Fargo credit cards are variable based on the Prime Rate. Additionally, you may be charged up to $40 for a late or returned payment. However, most charge a foreign transaction fee of 3% on international purchases. Here are a few of the benefits that you may be offered on your credit card:Ĭurrently, consumer credit cards from Wells Fargo do not charge an annual fee. Promotions with 0% APR give customers extra time to pay off purchases or balances transferred from another credit card.Ĭredit cards from Wells Fargo offer numerous benefits depending upon the card that you select. Many of its cards earn cash back or flexible points that allow customers to use their rewards in many ways. Wells Fargo offers several credit cards for consumers and small businesses that earn rewards and offer attractive benefits and 0% APR promotions. Cash back is earned as a percentage back on purchases, both as cash back and with enhanced earnings for certain purchase categories during introductory periods with its college student rewards card. Wells Fargo rewards points are earned at various levels based on the particular card. How the Wells Fargo Rewards Program Works While Wells Fargo does offer a secured credit card for small businesses, it does not currently offer a secured credit card for consumers. Its credit cards generally fall within these categories: Wells Fargo's cards include points and cash back rewards and secured card options for consumers and small businesses, along with a card for college students. It does not currently offer any cards on the Discover or American Express networks. Wells Fargo primarily issues Visa cards, along with a Mastercard option for its business secured card. Earn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months. ![]() Take advantage of 2% cash rewards for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. Read the full Wells Fargo Business Platinum Credit Card Review. You can add up to 99 employee cards at no charge to earn rewards on their spending. Unlimited 1.5% or 1 point per $1 plus 1,000 bonus points each month you spend $1,000Įarn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months.Ģ% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account.Įditorial Picks for the Best Wells Fargo Credit Cards Wells Fargo Business Platinum Credit Cardīusiness owners can choose between unlimited 1.5% cash back or 1 point for every $1 spent and a bonus when you spend at least $1,000 each month. $300 or 30,000 points after $3,000 within 3 months 0% APR on purchases and balance transfers for 9 months Wells Fargo Business Platinum Credit Card ![]()
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