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Wells Fargo Cash Back Visa® Signature Card

Wells Fargo Cash Back Visa® Signature Card

 

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Over the Past 60 Days!

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  • APR 12.40% – 26.24% variable APR
  • Intro APR 0% introductory APR for 15 months
  • Balance Transfer APR 12.40% – 26.24% variable APR
  • Balance Transfer Intro APR 0% introductory APR for 15 months
  • Cash Advance APR 24.24% - 26.24%
  • Annual Fee $0
  • Late Payment Fee Up to $37
  • Cash Advance Fee Either $10 or 5%, whichever is greater
  • Returned Payment Fee Up to $37
  • Balance Transfer Fee Up to 5%, with a minimum of $5
  • Foreign Exchange Fee 3% of each transaction converted to U.S. dollars
  • Minimum Interest Charge $1.00
  • Rewards Details Earn 1% cash rewards on every $1 spent
  • Signup Bonus 5% cash rewards for every $1 spent on gas, grocery, and drugstore net purchases for the first 6 months

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 5% cash rewards for every $1 spent on gas, grocery, and drugstore net purchases (purchases minus returns/credits) for 6 months.
  • Earn 1% cash rewards every day on all other net purchases.
  • Cash rewards have no earning cap and don’t expire as long as the account is open.
  • Boost your earnings potential and find great deals at your favorite local and national stores in our Earn More Mall® site,3 with more than 10,000 popular local, national, and online retailers.
  • Flexible cash redemption options . Have them automatically deposited into your Wells Fargo Savings or Checking Account, or applied as a credit to a qualifying Wells Fargo credit product. Or, you can request a paper check. Visit GoFarRewards.wf.com to learn more.
  • Cash redemption options are redeemed in $25 increments.

Expert Reviews

From the CompareCards.com Editorial Team

For consistent cash back rewards from Wells Fargo, check out the Wells Fargo Cash Back Visa Signature Card. This card comes with a solid rewards rate and a nice intro bonus of earning 5% cash rewards. For the intro bonus new account holders get 5% cash rewards for every $1 spent on gas, grocery, and drugstore purchases in the first 6 months. After that, you can earn 1% cash rewards on every $1 spent on virtually all other net purchases, everyday. This card also comes with an appealing intro APR of 0% for 15 months on purchases and balance transfers, and after that period is up, the ongoing APR will be 12.40% - 26.24% Variable. 

Expert Reviews of the Wells Fargo Cash Back Visa® Signature Card

  • 3.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0

    Fees

  • 3.0

    Benefits

  • star rating 4.0/5

    Overall Rating

The Bottom Line

The Wells Fargo Cash Back Visa Signature Card comes with a nice intro APR for purchases and balance transfers. The intro cash back bonus is very attractive, but the downside is that you'll only earn 1% back after the first 6 months.

The Good

If you spend a lot on gas, groceries, and drugstores, then the 5% cash back in those categories is very appealing. Also, this card comes with complimentary cell phone insurance, no annual fee, and a few other nice perks.

The Not So Good

Earning 1% cash back after the first 6 months is a big downside to this card. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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