Wells Fargo Credit Cards


Updated: August 9, 2018


wells fargo online banking login

There are plenty of credit cards that Wells Fargo offers, and you can be sure that you will be able to pick up something suitable exactly for you. What makes the entire process completely comfortable is the fact that you can apply for a Wells Fargo card online, without even stepping out of your home. Our article will also demonstrate how to do it, as well as how to access your credit card online.

Best Credit Cards from Wells Fargo

Wells Fargo offers quite a worthwhile selection of credit cards to its customers. And while some of its cards tend to require a high credit score (but also provide numerous perks), there are also certain options for people with bad credit. In this part of our article, you will learn about the best-performing credit cards from Wells Fargo and the credit score required for obtaining them.

Wells Fargo Cash Wise Visa Credit Card

wells fargo cash wise credit card

Annual fee: $0.

Purchase APR: from 14.74% to 26.74%.

Recommended credit score: from 700 to 850.

Most suitable for: customers who spend a lot and who are seeking good cash back rewards.

Credit card features:

Apply Here

 

Cash Wise Credit Card from Wells Fargo is a direct competitor of such credit cards as Chase Freedom and Chase Freedom Unlimited, whereas it offers a decent rate of 1.5% cash back rewards on all purchases. It implies that this credit card is a perfect choice for those who are looking to benefit from cash back rewards in the long run. Besides, an appealing $200 welcome bonus (if you manage to spend $1,000 within the first three months) is quite a good incentive as well.

This card from Wells Fargo is an amazing option for big spenders. If you tend to buy goods and products in different kinds of categories and/or stores, you may consider applying for this credit card. In case you have a different cash back rewards card that offers you a higher cash back rate on rotating categories, you may consider applying for Wells Fargo Cash Wise Card as your secondary credit card.

It is obvious that the main advantage of this card is the cash back rewards, which also do not expire as long as the account remains active. On the other hand, there are very few other features you can take advantage of. A high foreign transaction fee barely makes it any reason to use this card for traveling. At the same time, the 0% intro APR period is far shorter than most of the other credit cards (like the cards from Chase Bank which were mentioned above).

Some users tend to value this card for the cell phone insurance, which covers up to $600 (though, $25 may be deducted) of phone damage or theft. Considering that there is no annual fee for this credit card, you may consider applying for it in order to enjoy a decent rate of cash back rewards on general purchases.


Wells Fargo Propel American Express Card

Wells Fargo Propel American Express Card

Annual fee: $0.

Purchase APR: from 14.24% to 26.74%.

Recommended credit score: from 700 to 850.

Most suitable for: customers who spend a lot on travel, dining, and at gas stations.

Credit card features:

Apply Here

 

Propel American Express Credit Card from Wells Fargo is definitely worth applying if you tend to spend a lot on traveling, dining, and purchases at gas stations. First of all, you get 3x points on all the purchases in these categories. Secondly, you will also receive a $300 welcome bonus if you will manage to spend $3,000 within the first 90 days – this makes this card especially worthwhile for big spenders.

But it is not only the bonuses that allow you to benefit from this card (you get only 1x bonus points on all purchases save dining, travel, and gas station). The foreign transaction fee of 0% allows you to pay with this card wherever you are traveling to. There is no need to say that this fact makes Propel American Card a perfect choice for travelers.

Indeed, there are both upsides and downsides to this travel credit card. What makes this credit card stand out is that, unlike some travel credit cards (such as Chase Sapphire Reserve), it does not change an annual fee. On the other hand, you need to have a pretty strong credit score in order to apply for this credit card. The 0% intro APR period rather comes as a bonus than one of the card’s key features.


Wells Fargo Platinum Visa Credit Card

Wells Fargo Platinum Visa Credit Card

Annual fee: $0.

Purchase APR: from 16.90% to 26.74%.

Recommended credit score: from 650 to 800.

Most suitable for: customers who have large credit card debts.

Credit card features:

Apply Here

 

This credit card from Wells Fargo is best suited for those individuals who are seeking to consolidate their debt. Indeed, the key thing about Platinum Visa Card from Wells Fargo is that it offers the 0% intro APR period on purchases and balance transfers during the first 18 months, and this is a good opportunity to consolidate your debts. In fact, very few credit cards can offer a longer APR period.

In an otherwise good situation (when you don’t have any debts to consolidate), you should rather seek another credit card, since the Wells Fargo Platinum Visa Card lacks any worthwhile features. Among the card’s worthwhile features, one should mention the $600 phone insurance if you pay your bills with this credit card. Otherwise, a high foreign transaction fee and several insignificant features don’t make the Platinum Visa Card stand out.

But given the fact that the credit card is aimed mostly at the customers with debts, the required credit score is far lower than for the cards, listed above. Thus, you can try to apply for the Wells Fargo Platinum Visa Credit Card, if you have a need to consolidate all your debts with a 0% APR period.


Wells Fargo Cash Back Visa Credit Card

Wells Fargo Cash Back Visa Credit Card

Annual fee: $0.

Purchase APR: from 12.4% to 26.24%.

Recommended credit score: from 670  to 830.

Most suitable for: customers who want to benefit from a generous cash back rate during a short period of time.

Credit card features:

Apply Here

 

If you want to maximize your cash back rewards, you may consider applying for this credit card. The Cash Back Visa Card from Wells Fargo allows you to benefit from 5% cash back rewards on the products that you buy in groceries, at gas stations, and in drugstores. Even though the cash back rewards reach the whopping rate of 5% for many products, you will be able to benefit from it only for half a year – the rewards rate will turn into 1% for all products once this period expires.

In view of what has written above, it is obvious that the Wells Fargo Cash Back Visa Card can be applied only for a short-term use – otherwise, it does not make any sense to keep using this credit card. Even if you have a very poor credit score, there are still better credit cards on the market you can take advantage of.

Apart from the 5% cash back rewards rate, this credit card barely has anything else to offer to the customers. The rate of cash back rewards is 1% on all other products, while there is a pretty high transaction fee. However, if you have a high credit score, you are likely to manage to get a good purchase APR, which can be as low as 12.4%. But if you are looking for a generous sign-up bonus or long-term benefits from this card, you should consider applying for some other card than this one.


Log In To Your Wells Fargo Credit Card

Once you have got a credit card with Wells Fargo, you can access it right on the website of this bank. Prior to being able to access your Wells Fargo card online, you should sign up for the online banking program of this financial institution (read about it here). After that, you will be able to sign in to your credit card account. As you will learn from this part of our guide, you can do it in a few simple steps, and we recommend you to follow our instructions.

Log in to your Wells Fargo credit card step by step:

enter wells fargo website

sign in to wells fargo credit card

  • Once you have accessed that website, you will notice the online banking form, placed on the left. You should click on the “Account Summary” button and select what you want to do with your account: pay bills (Bill Pay), make a transfer (Transfer), or anything else.

access credit card from wells fargo online

  • Following it, you should type your username in the first field of that online banking form.
  • Immediately after that, you have to enter your password in the second field of that form.

wells fargo cards online access

  • You are also able to save your username for future sessions simply by checking the box next to “Save username.”
  • Eventually, you should click on the “Sign on” button and access your credit card.

How to Apply for a Wells Fargo Credit Card

If you have made up your mind to apply for a credit card from Wells Fargo, you can fill out an application for a credit card online. As this section of our article will show, it does not tend to be very difficult. Yet, you should approach this matter responsibly and select a credit card, based on your credit score, needs, and capabilities.

Apply for a Wells Fargo credit card step by step:

apply for wells fargo credit card online

  • In the first place, you have to select a credit card that suits your needs, according to your needs and credit score.

selection of credit cards from wells fargo

choose a credit card from wells fargo

  • On the bank’s website, you should click on Personal > Banking and Cards > Accounts and Services > Credit Cards.

select wells fargo credit card

  • On the next page, you should click on the “Find a Credit Card” button in order to find the card that you have selected.

how to get a credit card from wells fargo

  • Following it, choose the type of a credit card that you have selected (or simply opt “All Cards”).

wells fargo card application

  • Now, find a credit card that you want to apply for in the given list. Once you have done that, click on the “View Details” button.
  • At this point, you should carefully read all the details about this credit card. Make sure that you have also read all legal papers, agreements, and FAQs.
  • Once you are done with it, scroll down and click on the red “Apply Now” button.

how to apply for a credit card from wells fargo

  • Now, you have to fill out an application. First, you should specify whether you are already an online customer of Wells Fargo or not.
  • Following it, you will be asked to provide certain details about you in regards to your finances and card options.
  • Eventually, you will get to see all the information that you have filled in. Review it and, if it is correct, and submit the application. You are likely to receive a response within the next few hours.
Wells Fargo Credit Cards
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