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

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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

Star Rating

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97 Reviews

Review Breakdown

5 star
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1 star
8%

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Brittney Miskin
December 9th, 2019 Riverton, UT DETAILS
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Maybe the worst bank any credit cards with. Terrible customer service and they do not care about their customers.

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Roman Christiansen
December 2nd, 2019 Pleasant Grove, UT DETAILS
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I have a Wells Fargo credit cards and it is truly amazing. There have been 0 problems with it and it is a great way to pay for things! The service of the company is amazing and the staff is so incredible!

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Connor
November 29th, 2019 Farmington, UT DETAILS
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Wells Fargo is everywhere, especially when I travel. It is universally excepted and doesn't even have outrageous international fees. I feel safe with WF and have enjoyed their services for 9 years.

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Melanie
November 22nd, 2019 Rio Rancho, NM DETAILS
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I love the Wells Fargo cars, the app was great, but the fees are killer. If you use everything Wells Fargo all the time you should Be good to go!

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Tom Gourley
November 19th, 2019 Pleasant Grove, UT DETAILS
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We have had good experiences with the Wells Fargo staff who has demonstrated that they really care about us

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Nicholas Atkison
November 15th, 2019 Tallahassee, FL DETAILS
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I love Wells Fargo! They treat me very well, always take care of whatever I need, and make sure any fraudulent chargers are dealt with swiftly.

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Jon Posey
November 11th, 2019 Riverton, UT DETAILS
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Not my favorite. Getting a CC from a bank like WF should be your last resort. You can always find better cards with better rates, promos, and much better customer service.

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Tony
November 7th, 2019 Riverton, UT DETAILS
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I currently do my personal banking with Wells Fargo and occasionally use my Wells Fargo card for purchases. Very user-friendly web portal is the biggest plus for tracking purchases.

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Jessamy Newton
October 15th, 2019 Bountiful, UT DETAILS
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Helpful and friendly customer service people. Variety of products. Great website.

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Jeff Stewart
October 14th, 2019 Saint George, UT DETAILS
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Good customer service but definitely at a cost. Have used Wells Fargo for many years.

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bailey jo
October 9th, 2019 Orem, UT DETAILS
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Terrible customer service. The process for recovering any fraud money was ridiculous.

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Zac Marx
October 8th, 2019 Brighton, CO DETAILS
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My Wells Fargo credit card is pretty good. I like how it is accepted at most places I shop. I also like the look of the card.

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erin
October 7th, 2019 American Fork, UT DETAILS
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These guys actually helped me pay for my college by giving really helpful tips. as well as protecting my account and keeping it safe.

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Amy Boren
October 7th, 2019 American Fork, UT DETAILS
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We had this card for a few months but cancelled it for one that had better rewards and interest rates.

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Jami Howell
October 7th, 2019 Farmington, UT DETAILS
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Their student accounts are terrible. They tried to charge fees for my son when he was on a church service mission and not even here to use the card.

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Rushie Gregory
October 4th, 2019 Pleasant Grove, UT DETAILS
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We've used Well's Fargo for years and have been mostly pleased with their service. Some of their policies are unusual and difficult to work with, but overall it's worked pretty well for us.

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Don Boren
October 4th, 2019 American Fork, UT DETAILS
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Never had any issues with poor customer service personally, but I didn't like hearing that they were using dishonest practices in signing up new accounts that were fraudulent

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Tara Marx
October 2nd, 2019 Brighton, CO DETAILS
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We have had Wells Fargo credit cards for years. We really like how Wells Fargo sends an email with the previous days transactions summing up where it was used.

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Barry Henline
October 1st, 2019 Logan, UT DETAILS
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Can't say that my experience with Wells Fargo was very good. The fee structure, customer service and overall banking experience was lacking.

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Ted Johnson
September 23rd, 2019 Pleasant Grove, UT DETAILS
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I have a Wells Fargo credit card and have had it forever. It is easy to use with a great rate attached and many notifications can be attached to it for record keeping and tracking spending. It can be used almost everywhere and is very convenient.

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kristin Gneiting
September 9th, 2019 Pleasant Grove, UT DETAILS
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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.

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Keeli Hansen
July 16th, 2019 San Jose, CA DETAILS
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I have always had a great experience with Wells Fargo. They are always so kind and willing to help solve any problem

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Paige Baldwin
July 11th, 2019 Wellsville, UT DETAILS
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I had used Wells Fargo for the longest time and really didn’t have any problems with them. Sometimes the customer service wasn’t the greatest and I ended up changing banks due to family reasons but overall I liked my credit card through them.

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Breanne Stanko
July 8th, 2019 Logan, UT

My credit card through Wells Fargo is great! Paying it off it so easy! I don’t have a super high credit limit which makes it so easy to not spend too much!

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Whitney Stanko
July 1st, 2019 Smithfield, UT

I love my college Credit card. I only have a certain spending limit and it isn't very high. Also paying off my card is super easy and fast to do. I was worried it would be hard and stressful but Wells Fargo makes it super easy to do online.

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Rosann Stanko
June 26th, 2019 Logan, UT DETAILS
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We have used Wells Fargo for years and years. We appreciate the customer service in the branches, but it is difficult to get through any phone lines. We do think their per cent to use their credit cards is way too high.

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Lauren
June 25th, 2019 Hyrum, UT DETAILS
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Have always had Wells Fargo and I haven't had any problems. Love how much you can do online

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Rylie Crandall
June 24th, 2019 Draper, UT DETAILS
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I like Wells Fargo because I am always informed about what I owe or how much money is in my account. This company is great about keeping you informed.

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Jacob Ball
June 18th, 2019 West Jordan, UT DETAILS
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I have the Propel card and the benefits are amazing for a no annual fee credit card

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Rebecca
June 10th, 2019 Provo, UT DETAILS
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A lot of people have their doubts, but I’ve been with Wells Fargo for 8 years now and I love the service

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Marissa
June 10th, 2019 Redwood Falls, MN DETAILS
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I currently have two Wells Fargo credit cards and they are both great. I love the rewards I get when using my card!

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Anne Sainsbury
June 10th, 2019 Payson, UT DETAILS
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Wells Fargo is my only credit card I have and they have been a reliable company! Their interest rates are pretty low, but their customer service has been good! Plus their credit card reports are super easy to navigate!

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Reese
May 10th, 2019 Pleasant Grove, UT DETAILS
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This is the card I use the most. It has rewards that I like, it gives me cash back if I want. I have a lot of options. I trust the bank and they have locations that are easy to go into and check on things if I need to. I also have great fraud protection and they will let me know if anything looks suspicious.

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Ashley
May 9th, 2019 Pleasant Grove, UT DETAILS
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Wells Fargo is a great credit card for me. The latest chip has made it even more safe and reliable and that is very important to me. The Wells Fargo customer service staff has always been friendly and professional.

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Rob Whipple
May 6th, 2019 Mesa, AZ DETAILS
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Very helpful and friendly customer service. Ties right to my other accounts. Easy online access and management.

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Calista Huber
May 6th, 2019 Mesa, AZ DETAILS
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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!

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Michael E Berrett
February 13th, 2019 Lindon, UT DETAILS
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Wells Fargo 0 well - it is a mixed review: I have had a Wells Fargo Visa card for a couple decades, and had excellent service, and no problems of any kind. On the other hand, I am disgusted with the lack of integrity and dishonesty internally - obviously covered up or endorsed or ignored by upper management for the dishonest problems which have been in the press about the company over the past two years. There is a. reputation to recover - and it is going to take a while for me to regain trust with this organization. Anyone can make a mistake - but with these guys - too many - and too big of mistakes. I wish them well in their pursuit to re-build trust

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JR Suguturaga
February 13th, 2019 Orem, UT DETAILS
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Being a well established company it was easy to use the card wherever I needed it and the billing process was easy as well.

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Jason Brown
February 13th, 2019 Lehi, UT DETAILS
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I've had a Wells Fargo card since 2003. Their ATMs are always accessible across the USA. It would be nice to have more globally. Also, if more ATMs were accessible at sporting events, it would be fantastic.

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Doug Fox
February 12th, 2019 Eagle Mountain, UT DETAILS
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We recently had some issues with Wells Fargo when our cards were shut down and unavailable for use due to some national snafu. Had to actually drive into the branch to get the problem fixed. For the most part, Wells Fargo has been OK.

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Kristiane R Durfey
February 11th, 2019 Pleasant Grove, UT DETAILS
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I have been very pleased with my Wells Fargo Credit card. It isn't one that I use very often but when I need to it's nice to know that I can use it without any problems. I have a Wells Fargo checking and savings account as well which makes paying off the card so convenient to do with online banking.

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Ann Bailey
February 6th, 2019 Lehi, UT DETAILS
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My elderly parents bank at Wells Fargo. I was pleasantly surprised that they offer free notarization for living wills and trusts. We walked into the facility on two different days. The agents were friendly, and took the time needed to care for us.

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janalee sanders
February 4th, 2019 Valley Center, CA DETAILS
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we currently use this card and have never had any problems. they seem to keep good interest rates and have always protected our personal information from what we know. this card has worked well for us because we also do other banking with Wells Fargo so we can tie that into the card sometimes

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nathan brewer
February 1st, 2019 Lehi, UT DETAILS
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We really like using our Wells Fargo credit card. It gives us good rewards points and we have been on some fun trips because of those reward points.

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Melissa Carreno
December 20th, 2018 Mesa, AZ DETAILS
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I don't have a checking account, so having a savings account only which makes it a little more difficult to speak to customer service and their systems are now more difficult for face to face clients they make it inconvenient. I do have a credit card as well, again, not my favorite, but I got the Propel card and still waiting for the rewards to show up 4 months later...not impressed.

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Magaly De Avila
December 19th, 2018 Provo, UT DETAILS
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Wells Fargo always provides me the best service, they are very quick to solve problems like getting new cards sent out to you.

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Darius Williams
December 17th, 2018 Alexandria, VA DETAILS
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good service and very friendly bankers at the banks, was able to help me out on my first card!

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Jorden Laird
December 13th, 2018 Front Royal, VA DETAILS
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I had a few unauthorized charges I noticed on my account and WF handled them quickly and processed a refund for me. I feel safe with them handling my money

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Alyssa Scott
December 11th, 2018 Mesa, AZ DETAILS
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Wells fargo is very good. I have never had any problems with them. They always assist my needs when i ask. and they always takecare of you and help you out. Very good customer service. My credit card has never failed me.

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Matthew Carbaugh
December 11th, 2018 Herndon, VA DETAILS
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Had Wells Fargo credit card for over 5 years and never had any problems with wrongful charges. I appreciate the mailed statements every month.