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6.4

Overall Score

LAST UPDATED: January 27th, 2024

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

A Wells Fargo credit card offers low APRs and reward options including cash back, points, or hotel rewards. Even offering a student credit card, borrowers of all backgrounds can find a fitting credit card with Wells Fargo.

Continue reading for pros and cons, and Wells Fargo credit card reviews from real customers.

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The Good

  • Variety of Credit Cards
  • Competitive APRs
  • Rewards Credit Cards
  • No Annual Fees
  • Free Credit Score Tracking
  • Credit Card Protections
  • Positive Customer Reviews

Variety of Credit Cards

Wells Fargo has a variety of credit card options to meet the various needs of its customers. These credit card options include:

  • Wells Fargo Propel American Express® Card
  • Wells Fargo Cash Wise Visa® Card
  • Wells Fargo Visa Signature® Card
  • Wells Fargo Rewards® Card
  • Wells Fargo Platinum Card
  • Hotels.com® Rewards Visa® Credit Card
  • Wells Fargo Cash Back College Card

Each card has varying rewards and benefits, but none of them have an annual fee.

Competitive APRs

Depending on the card, Wells Fargo offers an introductory APR of 6 to 18 months on both purchases and balance transfers, providing consumers with the opportunity to pay off new purchases at a lower interest rate. After the introductory APR period, normal rates will be charged.

For consumers with excellent credit, Wells Fargo's lowest rate of approximately 15 percent is likely to be secured; this is average in the credit card industry. For those who have poor credit, a higher interest rate will likely be received, as high as 25 percent.

Rewards Credit Cards

Wells Fargo provides a number of rewards credit cards for its customers to choose from. By frequently using their Wells Fargo credit card, customers can earn rewards points that may be redeemed for cash, merchandise, gift cards, and travel.

For example, the Wells Fargo Propel American Express® Card is the reigning winner of NerdWallet's Best-Of award. With this card, consumers can earn three times the points on specific purchases, such as eating out and ordering in, gas stations, and hotels.

In addition to award-winning and other traditional rewards cards, young borrowers can apply for a Wells Fargo student credit card. This card allows college students to begin building credit while in school and offers cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first six months. While not all credit card issuers have student credit card options, this Wells Fargo option is a great way for young people to begin building credit with the benefit of some rewards.

No Annual Fees

There are no annual fees for all Wells Fargo credit cards. This can save cardholders hundreds of dollars each year.

Free Credit Score Tracking

Wells Fargo customers can 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.

Credit Card Protections 

In the event that there is an unauthorized charge or a credit card, or a card is lost or stolen, you should contact Wells Fargo immediately and it will jump to action immediately to protect your information.

In either of the aforementioned cases, consumers can call Wells Fargo's 24-hour customer service number. In a case such as unauthorized purchases, the consumer will be reimbursed if they report suspicious charges promptly and by calling customer service.

Additional information regarding billing, and services available to protect you from credit card fraud, should be included in your monthly statement and/or your Customer Agreement and Disclosure Statement.

Positive Customer Reviews

Fifty-three percent of customer reviews award Wells Fargo five stars. The majority of these positive reviews highlight reliable customer services, great rates and rewards. Overall, people have been pleased with their Wells Fargo credit card.

On the other hand, negative reviews suggest that Wells Fargo interest rates are high, and some customers describe unenjoyable encounters with customer service.

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The Bad

  • Foreign Transaction Fees
  • No Secured Credit Card Option
  • Wells Fargo Accounts Scandal

Foreign Transaction Fees

Wells Fargo does charge a foreign transaction fee of 3 percent of each international transaction converted to U.S. dollars. If you travel frequently this could be a drawback, and there are many credit issuers that offer cards with zero transaction fees.

No Secured Credit Card Option 

Wells Fargo does not offer a secured credit card, an option that many other card issuers provide. Thus, if you are looking to rebuild your credit or have a bad credit score and are having a difficult time being approved for other credit cards, it would be in your best interest to look at other companies that have secured credit card options.

However, Wells Fargo does have a secured card option among its business credit card services.

Wells Fargo Accounts Scandal

Since 2013, Wells Fargo has been under severe scrutiny for harboring a toxic work environment and putting customers’ best interest aside in favor of driving greater sales. Employees were placed under intense pressure to meet unrealistic quotas, and as a result of this pressure, Wells Fargo employees signed customers up for accounts and credit cards they didn’t want, need, or in some cases, even have knowledge of. In turn, customers were often paying fees on accounts and cards that they didn’t need.

In addition to this scandal, Wells Fargo was recently sued by the cities of Sacramento, Philadelphia, Miami, and Oakland for allegedly giving Black and Latino homebuyers unfavorable mortgage terms.

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The Bottom Line

Wells Fargo offers competitive APRs, including a generous introductory APR offering, rewards programs, limited annual fees, and free credit score tracking, making it a competitive credit card choice in the industry. While the company doesn’t offer an extensive range of cards like you might see with other credit card issuers, Wells Fargo’s cards do offer competitive rewards.

Applying for a Wells Fargo credit card is quick and easy, and you don’t need to be an existing Wells Fargo customer to apply for a credit card online. However, it could improve your chances of approval if you have an existing relationship with the bank in the form of some other bank account.

If you are seeking to build or rebuild credit through the use of a secured credit card, you will have to look elsewhere because Wells Fargo does not offer a secured credit card option for personal banking. However, there is a secured card option amongst its business credit card options.

Based on customer reviews, many customers trust and enjoy Wells Fargo’s banking and credit card services, despite recent company scandals.

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Star Rating

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4.2

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407 Reviews

Review Breakdown

5 grade

54%

4 grade

19%

3 grade

13%

2 grade

8%

1 grade

7%

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Quality

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Service

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DocSue1 Hollywood, FL

The Wells Fargo approach is truly people-driven. Their managers are professional, courteous, and sincere in advice and choices when opening accounts or choosing additional products and services. Above all, the Wells Fargo system offers everything from investment opportunities to savings and checking accounts for the average person. With convenient ATMs in visible areas as well as their branches/offices, it is truly a company that is there when you need them. I have had to visit a branch to open an account for my child, and the service was exceptional!

1 month ago

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atokoose taiwo boluwatiwi Lagos, LA

Their card services is easy fast and supported on the international markets and one thing they do best is the 100 percent of refunds on any illegal transactions made with your card. Any issues is always easily rectified by their fast customer care. There was a time some years back when a scammer got hold of my credit card details and made some illegal transactions, immediately I picked my phone and made a call to the customer care and the card was blocked and all the illegal credit transactions were returned back.

1 month ago Edited January 18, 2024

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Arooj Naeem

Wells Fargo's credit cards offer a range of options catering to different needs. The straightforward rewards structure and the accessibility of Wells Fargo make their credit cards a practical choice for various financial needs for me.

1 month ago

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shelia stromatt Thaxton, MS

They were so helpful and so very nice doing business with. They listened to what I had to say and gave me the attention that I deserved. If anyone needs to get help, you should try them out because they are wonderful doing business with. They done a really great job for me and I know they will for you as well.

2 months ago

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Wesna sydne Malden, MA

Whenever I call to make a dispute, the customer service is always ready to help file a dispute. I get the response earlier than the time frame recommended!

1 month ago

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Armando Bolivar Austin, TX

being a client since my first job back in 2021 i believe. sharing services along other bank but always end up keeping Wells Fargo for all my account, Credit Cards and loans. I had many time the need to request customer support and always i get a great response, and a satisfactory result. Even when i know i made the mistake, and was not able to get the results that I wanted. (i take responsibility of my mistakes). YES probably there are better credit card in other places, but knowing that I will a real customer service, compare to, for example, wait til the end of the moth to know about your transaction and to cancel a transaction made by mistake or worst an unknown transaction. only Wells Fargo give on the moment solution.

6 months ago

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Ijeoma hilary

Wells banking app is the best I really like it and their mobile banking app it gives me fast and secure access to my finances

1 month ago Edited January 19, 2024

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Dawn Grover

Credit card was a typical card. There were some benefits to banking with Wells Fargo and having one of their credit cards at the same time. There are better cashback options, but there were no surprises.

1 month ago Edited January 15, 2024

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Sharon Las Vegas, NV

My banking experience with my local Wells Fargo branch and through telephone interactions have been a positive customer service.

1 month ago

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Joseph Faenza Washington, DC

I have had a Wells Fargo credit card for a few years now and I once had someone hack my card at a gas station and when I called the customer service line, they immediately refunded my money and they fought the case for me to get the stolen charges back. I recommend them 100%.

7 months ago

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Peter Land O' Lakes, FL

Great company! Great product! Never any fees unless you use another banks resources. Excellent 24 hour fraud resolution line. I experienced some fraud. They resolved it properly and returned the money properly. Great customer service, whether it be live in person, app, email, text or actual phone call, the app is fantastic

7 months ago

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Tyrone Walton Atlanta, GA

Great services and always there is a new offer for current customers. Now I can bank in person. Online or on my mobile because Wells Fargo has continued to upgrade their services to stay current with the changing times but still keep the ol time customer first policy

4 months ago

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A Los Angeles, CA

My overall experience with Wells Fargo has been generally positive, but there have been some noticeable issues that have left me with mixed feelings. One recurring problem I encountered was the sudden removal of my voice as my password for phone banking, and this happened seemingly without any clear reason. This inconvenience made me question the reliability of their security protocols. Another point of concern was the bank's practice of escalating issues without obtaining my consent. I experienced this when a complaint was submitted to the business office without my prior knowledge or agreement. Such actions can be unsettling for customers like me who expect transparency and control over their banking matters. Lastly, I was told about some misspelled information in my member profile during a banking process. While Wells Fargo claimed to have corrected these errors, I was left in the dark about when and why these inaccuracies occurred in the first place.

5 months ago Edited September 7, 2023

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Sherran Nutson Atlanta, GA

I am/have been a Wells Fargo customer for 25-plus years. I have three credit cards, a check and savings account, and a personal and home improvement loan. Wells Fargo has been providing great financial tools to help me invest my monies. Whenever I contact Wells Fargo, I receive great customer service, but the walk-in service isn't as good due to staff shortages, but the staff are nice and professional. Wells Fargo keeps me up-to-date on the new banking products available because I have been a long time customer. Fargo

7 months ago Edited July 17, 2023

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Eric K New York, NY

Recently got their Wells Fargo card with no interest for 18 months. I have been very happy with their app, good cash back for the card and I will look to expand my business with them.

4 months ago

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J Adams Charlotte, NC

I have been a customer of Wells Fargo for years. The have great customer service and were very helpful taking care of the transfers I needed when I bought a new home. My only issue is they do not offer better yields in their accounts for the average customer.

5 months ago

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David Wolfe Hartsville, SC

Had stock in First Union, they sold to Wachovia, aka "walk over ya" and they sold to Wells Fargo, and if i have this right but anyways the stock I had went bye bye Like an Enron Tyco kind of thing Need for tort reform, because its white collar crime if you ask me. Anyway, staff at wellsfargo are respectful and I appreciate them. I guess that's the micro system of things but I do like the banking and they offer things that benefit you.

8 months ago

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Ilspbeth Bruce

I absolutely LOVE Wells Fargo! They are great bank! I always get great service and they take care of their patrons. I can call about a charge that I didnt make and they will give you a temporary deposit to cover the cost and then research the charge. I have yet to have charge that wasnt covered. They take care of all of my banking needs. Im going to use them for my home purchase as well.

10 months ago

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Bitglass101 Lewisburg, TN

Wells Fargo has been a blessing for many of us when it comes to making large purchases. With their wide array of loan options, they have made it possible for people to make the purchase that otherwise would have taken years or even decades to save up enough money. Not only do they offer competitive rates, but also helpful advice and guidance during the process so you can make sure you are getting the best deal on your purchase. Wells Fargo is definitely an asset in helping people achieve their dreams!

11 months ago

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Kristi Rice Huntsville, AL

Have banked here over 20 years. They have always been easy to work with and offer a nice variety of services which I use often. Even the tellers were trained to offer more information about services that were of a financial advantage to me. The website is easy to navigate and I enjoy the many features online. I have a mortgage with this company as well. Overall the process was fairly easy however the mortgage originator had no clue how to do her job; I won't fault the entire company for one employee's complete incompantancy.

11 months ago

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Carol ann DiGiovanni Tallahassee, FL

Banking with Wells Fargo for a very long time, customer service is always amazing!

1 month ago

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Rachelle Orlando, FL

I’ve been with Wells Fargo for more than seven years and they have yet to let me down. Their customer service is almost unparalleled and if for any reason I suspect fraud they are quick to cancel my cards, send me another, and reimburse me. I wish they were more proactive with updates and asking you for your preferences. It’s not until I’ve encountered some issues that I call and they tell me well I never notified them of such and such request or set this preferred method blah blah but no biggie. They’re cash back is improving and something to look forward to and so is their student card which waived certain annual fees and such for a while for me.

2 years ago

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Aaron Anderson

Exceptional financial services—reliable solutions, personalized approach, and expert guidance. A trusted partner for all my financial needs.

3 months ago Edited November 20, 2023

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Peter Fucci Medford, NJ

They recently took over Choice Priveledges and are offering even better service for our new card. I still can keep all our previous points and continue to earn more.

5 months ago

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David Los Angeles, CA

Wells Fargo is our primary bank for checking and savings. They are competitive with most other financial institutions. What I don't like is it's hard to actually call and get a live person from our branch. Calls go to a call center and it's a chore to get to talk to the right person.

5 months ago

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S Kelly Grand Island, NY

I don’t trust them anymore I don’t like their products I don’t like their service I don’t like anything about them

1 month ago

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Marsha Dallas, TX

I have been a Wells Fargo customer for over 30 years and they have never let me down. My experience both in personal and business banking has been excellent. I trust WF and enjoy their outstanding staff.

6 months ago

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Robert L Pressley Atlanta, GA

Things sure are different after the pandemic, especially if you need to get something done over the phone. Some of the Wells Fargo branches wouldn't even let me come in without an appointment. Having said that, I was happy to find that when I finally reached someone, the old Wells Fargo customer service kicked in. Now I'm happy again!

6 months ago

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Jerry Bella Vista, AR

Wells Fargo have been my home mortgage company for about 10 years, and their customer service department is a bright part of my day when I contact them, and they answer quicker than most companies. Thank you

6 months ago

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Maya My McDonough, GA

I looked over the stipulations and felt like it was an immediate rip-off. I wanted the best card available so I looked into the Choice Priveleges card excited that they were offering points for all purchases but the largest amount of points was only given for CERTAIN hotels and not all hotels. That would mean I have to go where they want me to go and not the hotel of my preference if I wanted to get the full 10x points and not just 1x points. I love to travel but I may not use a choice hotel every time if they aren't the best hotel for my destination. So paying for this card (it has an annual fee) wouldn't be worth it for me.

7 months ago Edited July 27, 2023

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Lizzy Puentes Abingdon, MD

Wells fargo credit card service is great! They are always available when help is needed via phone. The mobile app is also very helpful and the card is able to be added to your mobile wallet which is very convenient. It is also easy to get another card if your card is lost/stolen or if fraud is done on your account.

3 years ago

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Thomas Hullinger Pleasant Grove, UT

I have a Wells Fargo Credit Card and they are easy to track online and the best thing that I like is their spending tracking that helps me with my budget. Interest rate is very attractive and I also like them giving me the option of money back depending on what I spend and I can put it right back into my account.

5 years ago

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Jill Binette Martinsville, IN

I had a Wells Fargo Health Advantage Card recommended to me by my audiologist. I was going to put very expensive hearing aids on my Care Credit card and he strongly encouraged me to get the Health Advantage Card instead because of a longer grace period to pay off. It was great.

9 months ago

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J Curry Fort Myers, FL

All of the large financial firms are held down by the Central Banking System. The days of true private banking with career personel is gone, READ what your money earns in interest for the bank to loan it or invest it for the banks return on using your money. You will find answers like 0.15% up to $500,000. in your account, while charging you or others 22.-29.99% interest on a credit card. Your money already paid the charges, and the rate is designed to keep you indebted, and the bank increases your credit limit at intervals that benefit its purse. The consumer is sold on security in lieu of preservation of your invested income, Wells Fargo was my go as a large community development firm, obtaining the best return on a real estate buyers construction loans, land only loans, top notch personal advisors and lender employees that explained everything available and what was in the small print, Online banking is the biggest excuse to remove private banking, and consumer banking relations. Automatic payments remove the customers voice from all board room decisions and how the customers slowly learn what they believe is a fair price for any corporation's products and services are history. Meanwhile, price fixing remain illegal. Not+

10 months ago

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Kami T Pickens, SC

Great company to work with!! I have financed a home and an automobile with them without any problems!! When I started using their credit card, I was impressed with the professionalism of the customer service behind this card. They have always answered every question I’ve asked and sometimes shown me things that I was not even aware existed!!

10 months ago Edited April 5, 2023

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Crystal Batavia, IL

I've banked here since I was a kid! We got our mortgage through them too! It's a great bank and over the years I've only encountered a few small issues! I would definitely recommend this bank to others! I've encountered issues at other banks so having been a customer since childhood at this one says a alot!

11 months ago

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Adalberto Rodriguez

Thank you for letting me withdraw $500 that I didn’t actually have!

1 month ago

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G.J. Boise, ID

I have been with Wells Fargo for many years. We have 3 of their credit cards that we can get rewards on. There are many different ways you can use your rewards. I usually transfer them to my savings account. It is like getting paid to spend money on things you normally do. They also have a great fraud detection. They contact you if there is any unusual activity on your card immediately. I feel like they always have my back.

1 year ago

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Phyllis Green Laguna Beach, CA

They are compassionate to Seniors. My husband has been with Wells Fargo for many years. When my husband needed to be at their office to sign documents and could barely walk they offered Curb Service! Can you imagine that! I drove my husband to his local Well Fargo office and while he waited in the car I went in to tell the Bank Manager he was here, one of the staff came out to the car and sat with my husband and took care of business. It was raining no less. I was very impressed with your people. They were so kind and considerate.

1 year ago

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Lakysha Reid Ellenwood, GA

I have been with this financial group since before they were Wells Fargo. The customer service did not decline from any of the company takeovers. I have several different accounts with them & if I need to speak to someone in any particular area, I have always been met with positive & knowledgeable representatives. If, I did have mixed concerns with the information given, I have always been able to escalate the problem & speak directly with someone more knowledgeable.

1 year ago

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gricel valdez Yuma, AZ

I have been a customer of Wells Fargo for my entire adult life. I have tried other places to bank but always end up coming back. I like their customer service. The hours are great escpecialy being able to bank on Saturdays. My family banks their and my kids have their accounts there as well. Online banking is a breeze and bill pay has simplified my life! I highly recommend Wells Fargo!

2 years ago

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Sydney Charleston South Jordan, UT

My credit card is currently with wells fargo! I really like checking my account online with wellsfargo. I pay all my bills online through bill pay. I can also read my statements online. It is very easy to use and convenient. When I have had problems ordering services or products online that were not legit, wellsfargo got my money back. I have been very happy with this service

2 years ago

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Nicole Jones Sandy, UT

If you're in debt and are looking for a credit card, I highly recommend the Platinum credit card from Wells Fargo. With its introductory 0% APR period, it's definitely worth looking into! Another added bonus is the cell phone insurance. A few months ago I broke my iPhone and because I pay my monthly cell phone bill with my WF Platinum card, I received $500 toward a new phone.

4 years ago

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GrandpaRod Lehi, UT

I have banked at Wells Fargo and other banks. I enjoy the bill pay services as being very easy to use and understand. I like the concept that I can see all my accounts on one screen and can follow the transactions very well. I like the teller services as well and being very friendly. My investors left Wells Fargo because of the mismanagement of funds, so I do have my concerns, so I hope they can be resolved.

4 years ago

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kayshel Herriman, UT

I banked with Wells Fargo for most of my adult life and used a credit card through that time. I only left Wells Fargo when they pretty much ignored me when trying to get a small HELOC. After being with them for 50 years, I was disappointed in their customer service and found a credit union that quickly helped me, so I switched to them for my banking needs.

4 years ago

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kristin Gneiting Pleasant Grove, UT

I love my Wells Fargo Credit Card because of the trust I have in my bank. If I forget to call to say I'm leaving the state or country, I will have the bank call me or alert me right away it is being used. I have a great rate on my card and the customer service in always very pleasant. I can find a branch all across the United States wherever I go if I ever need to go in a bank to ask a personal question, or the 1-800 number is 24 hours a day.

4 years ago

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Calista Huber Mesa, AZ

I have absolutely loved Well Fargo! My credit card was easy to open and easy yo understand. I got it when I was about 18 and my limit was low because I had a minimum wage job. I was able to learn how to use my credit card pay it back to build good credit and have never needed a higher limit. I've had great customer service and never have had any credit card issues!

4 years ago

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Anna Hu Provo, UT

My credit card experience with Wells Fargo has been very positive. I have held my credit card with them for about 4 years now and Wells Fargo has automatically increased my limits as I have quickly paid off my bills. I like that Wells Fargo will calculate your credit score for free at any time. I wish my credit card gave me a higher rate back but very reliable experience with Wells.

5 years ago

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Boycetown Music LLC Fort Lauderdale, FL

This has become my favorite bank very easy to navigate my online banking and the service has been really good never had a problem with my account.

4 months ago

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lacey jo Ocala, FL

I like how there are many in network ATMs so you're not charged a fee for withdraw. Also the card is accepted literally everywhere. Customer service is also very helpful.

10 months ago