Wells Fargo

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6.3

Overall Score

26 User Reviews

8 days ago

Wells Fargo

Wells Fargo offers APRs ranging from 0 to 26.24 percent*

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Founded in 1852, Wells Fargo is a financial services company that offers consumer and commercial banking, loans, insurance, wealth management, investments, and credit cards.

The Good

  • Competitive APRs
  • Rewards programs
  • Limited annual fees
  • Free credit score tracking
  • Dispute resolution

Competitive APRs

Depending on the card, Wells Fargo offers introductory APRs of 6 to 15 months. After that, rates range from 11.40 to 26.24 percent*, which is competitive within the industry.

Rewards Programs

Wells Fargo provides a number of rewards programs for its cardholders to participate in. By frequently using their Wells Fargo card, customers can earn points that may be redeemed for merchandise, gift cards, and travel.

Limited Annual Fees

There are no annual fees for all Wells Fargo credit cards except one (the Wells Fargo Secured Credit Card has an annual fee of $25). This can save cardholders hundreds of dollars each year.

Free Credit Score Tracking

Wells Fargo provides its customers with the ability to monitor their credit score at no extra cost, which can help cardholders to stay on top of their credit and be aware of any changes to their score.

Dispute Resolution

In the event that there is an unauthorized charge or dispute, Wells Fargo will work to resolve it as quickly as possible.

The Bad

  • Foreign transaction fee
  • Late payment penalty

Foreign Transaction Fee

Wells Fargo charges a foreign transaction fee of 3 percent of the total charge, which is one of the highest fees in the industry. This can be a major deterrent to frequent travelers.

Late Payment Penalty

For every late credit card payment, Wells Fargo charges a fee of up to $37, which is slightly higher than industry average.

The Bottom Line

Wells Fargo offers competitive APRs, rewards programs, limited annual fees, free credit score tracking, and dispute resolution. However, the company does charge foreign transaction fees and late payment penalties.

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User Reviews

3.9

26 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

Sort by:
Tom
June 11th, 2018 Pleasant Grove, UT

Wells Fargo has the best options for credit cards. They have so many options with the right credit card for you and your situation.

Helpful?
Joanna Hester
June 5th, 2018 Gilbert, AZ DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

We have a WF credit card associated with our bank account. Whenever I have encountered an issue, I call customer service and my issue is resolved in a professional, fast manner.

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Kristin
June 5th, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Wells Fargo gives me great security to know that I am in is protected.

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H Moore
May 29th, 2018 Lehi, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I run my business accounts through Wells Fargo as well as my business credit cards. Great customer service!

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Rebecca
April 30th, 2018 Provo, UT

I love my credit card from Wells Fargo! Great rewards and definitely worth everything!

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Trent Palmer
April 9th, 2018 Provo, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

The cards work great, and I have a rewards card that is great. I have never had a problem using their services and it is convenient to use. i would recommend it to other wells fargo users

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Treina Siegel
January 15th, 2018 Ladson, SC DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

5 rate, the customer service and banking experience for over 20 years makes this customer confident my bank is the finest.

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tammy smith
January 8th, 2018 Salt Lake City, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

It's easy to pay online and I get points and/or money back on the 2 cards I have

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Cassidy Gundersen
December 6th, 2017 Orem, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I had my Wells Fargo Credit Card for 5 years. I never kept a balance and tried to keep it paid off. They did not send digital statements, only paper statements, which was a major disappointment. And several times I missed payments with no reminder or email to inform me. The rewards are minimal with their cards and I would suggest getting a card anywhere else. In my 5 years- I earned a $20 reward to shop in their online store. Not worth it.

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Hyrum
October 26th, 2017 Sandy, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I don't have any other cards to compare it with, but I've never had any issues. They seem to have an appropriate algorithm to reward responsible management with increased credit limits. It's annoying that after I got married, my wife couldn't have access to the card online, but I think that has more to do with federal law than Wells Fargo.

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Eli Alanis
October 24th, 2017 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Never had any problems using it. Whenever I have a question about the credit card or about the statement , I call custermer service and with a friendly voice they ask me how can they help me. The representative helps me with the questions and they find a solution.

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Melanie Askren
October 16th, 2017 Saint Louice, MO

they kept charging me after it was paid off

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James Zuck
October 16th, 2017 Dallas, TX

APR is 16.99 and there is no fee. They helped me rebuild my credit starting with a secured card-and now I'm it a $7,500 limit.

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Julie E
September 25th, 2017 Houston, TX

they have always been there when I have needed them; when american express closed my account, wellsfargo gave me a card; when Hurricane Harvey hit; they have been here for me

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Ronald McCarthy
September 14th, 2017 El Paso, TX

I have a great intrest rate and I recieved outstanding customer service

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EUGENE AUSTIN
September 14th, 2017 Palm Harbor, FL

We have multiple accounts with them; easy online use.

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Esat Aliu
September 12th, 2017 Sycamore, IL

Thay gave me credit when I needed it most

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Ruben Hernandez
September 12th, 2017

they were prompt in the review and approval

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Federico Trujillo
September 12th, 2017 Riverdale, CA

Statements are very easy to read and well documented. Online access makes paying easy and accurate

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Debra
September 12th, 2017 Minneapolis, MN

Convenient, securely monitored,rewards program

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ANGELA D HUDSON
September 12th, 2017 Detroit, MI

They are very when it comes to giving an opportunity for credit,and I they should be more open when that's where my employer uses and that's where retirement fund is through

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Mike Fulop
August 14th, 2017 Las Cruces, NM

Too many fees, Wells has become untrustworthy

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David McGlothin
August 8th, 2017 Aurora, CO

I rate them 9 for their dependability

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John S
July 26th, 2017 Sandy, UT

Very plentiful and very effective ATM machines.

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Breanna Jones
June 6th, 2017 Herriman, UT

There are very little bonuses from using this card. So since I don't get any incentives or cash back bonus or rewards, I hardly use it. There is no annual fee which is nice but there is nothing very special about this credit card.

Helpful?
chuck
May 11th, 2017 Pomona, CA

Wells Fargo is not a veteran friendly company. They miss used our trust and are fine taking veterans cars and homes.

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