Wells Fargo Logo
star star star star star_border

6.3

Overall Score

LAST UPDATED: March 25th, 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.

Top Ranked Companies

thumb_up

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.

Visit Site

thumb_down

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.

gavel

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.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

info

4.2

star star star star star_border

408 Reviews

Review Breakdown

5 grade

54%

4 grade

19%

3 grade

13%

2 grade

8%

1 grade

7%

Sentiment Criteria

Value

star star star star star_border

Quality

star star star star star_border

Service

star star star star star_border

Trustworthiness

star star star star star_border
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
star star star_border star_border star_border

Francis Adesuyi

The bank as been good to me though but suddenly I saw so many changes they are not trustworthy anymore their customer service is terrible and sucks I got scammed of my money and I explained to their customer service about the internet fraud they said they was going to get back to me after that they got my account frozen I couldn’t have access to my account anymore I just have to close it all and go on using another bank .

2 days ago

check_circle

Review Source

star star star_border star_border star_border

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.

8 months ago Edited July 27, 2023

check_circle

Review Source

star star star_border star_border star_border

CC Legendary

I had a wells fargo home improvement card, I probably wont ever use them again, you only heard from them if you were late with a payment otherwise, they couldn't have cared less, I was very glad to pay off my card and cut it up.

7 months ago

star star star_border star_border star_border

Cassidy Gundersen Orem, UT

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.

6 years ago

star star star_border star_border star_border

Katrina Breithaupt Provo, UT

Wells Fargo is nice because they are easy to access in a wide number of places, but I have not been impressed with their fraud detection abilities or help. I had some money stolen while I was on a trip a while ago and despite all the proof I gave them (copies of my flight itinerary proving I was on a plane when the transaction happened in a foreign country) they said my experience was not fraud. I talked to several different people on the phone and even went into a branch to talk to someone in person. When I asked them what their definition of fraud was they had no explanation, and wouldn't help me further or never got back to me. A couple months later I called again to open a new claim and the representative identified my case immediately as possible fraud through a very simple indicator that anyone else should have been able to see as well. In addition, I don't feel that their credit card rewards are very good either and I am planning on changing banks.

3 years ago

star star star_border star_border star_border

Lawrence Lee Provo, UT

I didn't really like the credit cards Wells Fargo offered compared to other banks like Chase and American Express. WF card offers only give a bonus reward above 1% for a limited time like a few months and then they go down to a very unimpressive 1% across categories. Occasionally they offered something slightly better, but compare them side-by-side with a Chase credit card and it loses. With that said I have one and I ended up just letting it go idle because I have 2 other credit cards that give back so much more in terms of rewards. It does get the job done if all you want to do is build credit, you already have a WF account and don't want to close it and open an account elsewhere.

4 years ago

star star star_border star_border star_border

Breanna Jones 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.

6 years ago

check_circle

Review Source

star star star_border star_border star_border

Heather H Sanford, FL

Wells Fargo gets two stars for their customer service, rates and fees. They don't recognize or reward their long term members and fees always seem to be on the rise. Wells Fargo customer service has plenty of room for improvement with communication being priority.

11 months ago

check_circle

Review Source

star star star_border star_border star_border

Karen Bach Mount Airy, GA

Biggest issue I had with Wells Fargo was that they took advantage of not making my money available to me for the 7-10 days it might take for a large check to clear after a refinance of my home. Incidentally, the check was from another large banking institution and research revealed to me that it was officially cleared in 2 days. I closed my account immediately and moved on. I was recently told by a representative of an insurance company that most banks do not hold to the maximum period after an electronic deposit EXCEPT Wells Fargo!!

1 year ago

check_circle

Review Source

star star star_border star_border star_border

Rosa R Lathrop, CA

This bank both in credit cards and in debit cards has poor service and not everyone is informed to give the customer a good service, it is very bad and I do not recommend it, it only cares about the accounts and the money that the customers have there but not the people or look for options so that the client is satisfied. They hire people who don't love what they do.

1 year ago

check_circle

Review Source

star star star_border star_border star_border

Cam Hall Palmyra, VA

My first Wells Fargo credit card was opened without my knowledge back during their controversy years ago. Since then, I opened a card because of a cash bonus they offered, and their online portal is…fine. There’s still a LONG delay between purchase and seeing the purchase info online, and I always feel like that’s strategic to try and get you to miss it. It’s a fine card, but they as an organization still seem awful.

2 years ago

check_circle

Review Source

star star star_border star_border star_border

Crystal B. Lewisville, TX

Wells Fargo was the first banking institution I used. I ended up closing my account, even my credit, several years ago, around the time they were having a major scandal.

6 months ago

check_circle

Review Source

star star star_border star_border star_border

Kim M Lacher Chambers Glen Burnie, MD

Customer service and quality of products has declined over the last few years. One can hardly get same day service. I have been told many times that if I didn't have an appointment I could not be helped with accounts.

9 months ago

check_circle

Review Source

star star star_border star_border star_border

lani tuihalamaka Cheyenne, WY

I was approved for a wells Fargo credit card and was told I could increase my limit after 6 months on time payment. After doing just that I was told I would have to close the card and apply again if I wanted a bigger limit. No one said anything about a brand new card.

4 years ago

star star star_border star_border star_border

RodrigoRamirez Austin, TX

This was the first credit card I opened, which I appreciate. However, the service, the interest rates have all been sub-par. The points system is sub-par, the interest rates are high. It's one of those cards I paid out and decided to not put any more charges on. Their customer service however, has always been good to me.

4 years ago

star star star_border star_border star_border

Sam Anders Orem, UT

When I first turned 18, I got a Debit & Credit Card with Wells Fargo. I cancelled my checking account 1-2 years ago due to their unethical business practices. I'm only keep the the credit card active since I've had the account 10+ years and closing the account would impact my credit score.

5 years ago

check_circle

Review Source

star star star_border star_border star_border

Esther Noshahi Dallas, TX

It was unpleasant perhaps the bad weather put the teller in a rude mood and not even a smile on such a pretty face, sadly I don't think that I will be going inside in the future.

2 years ago

check_circle

Review Source

star star star_border star_border star_border

Robert Serabin New York, NY

I was a 20 year customer trying to refinance my mortgage. Never missed a payment. They were not competitive on mortgage rate; Insensitive to their customers' needs. Real PR problem.

2 years ago

check_circle

Review Source

star star star_border star_border star_border

Keld Sperry Lehi, UT

There are a lot of fees with Wells Fargo. They also make it sneaky to be signed up for different unwanted services. I had to leave because I don't think they were trustworthy with my money.

3 years ago

check_circle

Review Source

star star star_border star_border star_border

abe fried Bensalem, PA

Horrible customer service, they shut down account with no reason along with horrible product availability. even their commercial counter in my area is very slow.

3 years ago

star star star_border star_border star_border

Kbr Pleasant Grove, UT

I have a Wells Fargo account because they are more of an international bank but I have never use the credit card because the interest rates are way too high!

4 years ago

check_circle

Review Source

star star star_border star_border star_border

Ron Durfey Pleasant Grove, UT

Use Wells Fargo for all of my banking except credit cards. Hate their card options and the customer service is awful. Feel like I'm always trying to be sold something.

5 years ago Edited September 14, 2021

check_circle

Review Source

star star star_border star_border star_border

Lisa E Leominster, MA

They canceled the credit card due to the fact that we didn't use it. We had a mortgage with them so that was a confusing policy.

2 years ago

check_circle

Review Source

star star star_border star_border star_border

Justin McMurtrey South Jordan, UT

Wells Fargo credit cards have terrible customer service. They have massive fees for anything you use through them. Would not use them again.

4 years ago

check_circle

Review Source

star star star_border star_border star_border

David T Draper, UT

I had a Wells Fargo credit card, but their rewards were very weak and the customer service doesn't match many other card companies, so I switched.

4 years ago

star star star_border star_border star_border

Jami Howell Farmington, UT

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.

4 years ago

check_circle

Review Source

star star star_border star_border star_border

Piper Whitsitt Long Beach, MS

Long time banking customer. Used my WF card as my primary cc but the rewards are better at many other companies.

4 years ago

check_circle

Review Source

star star star_border star_border star_border

Amy Boren American Fork, UT

We had this card for a few months but cancelled it for one that had better rewards and interest rates.

4 years ago

check_circle

Review Source

star star star_border star_border star_border

Abbey Gilbert, AZ

Do not like Wells Fargo. There is way too many fees and regulations!! Have not had a good experience

5 years ago

check_circle

Review Source

star star star_border star_border star_border

Brandon Holcombe Dallas, GA

Not a very large credit line but are willing to work with you no matter what your credit

2 years ago

star star star_border star_border star_border

bailey jo Orem, UT

Terrible customer service. The process for recovering any fraud money was ridiculous.

4 years ago

check_circle

Review Source

star star star_border star_border star_border

kevin bowling Pikeville, KY

Do not like them they sold my account a long time ago will never use again

1 year ago

check_circle

Review Source

star star star_border star_border star_border

Candice Allen Fort Worth, TX

The bank give me a hard time & long wait times

1 year ago