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

Rank Chart
Annual Fees


0 - 25.24%
$0 - 450


0 - 23.24%


0 - 23.24%
$0 - 116


0 - 26.24%
$0 - 25

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.

*Disclaimer: Listed interest rates were accurate as of December 2016 but are subject to change. Actual rates may differ from those listed in our review.

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2 Wells Fargo Reviews

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  1. User Score


    June 5th, 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.

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  2. User Score


    May 10th, 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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