Credit cards can help you manage everyday expenses, earn rewards, and build a credit history when used responsibly.
Wells Fargo credit card options are designed for different spending habits and financial goals.
This article explains how to apply for a Wells Fargo credit card online, outlines key card features, and reviews interest rates and fees.
Overview of Wells Fargo Credit Cards
Wells Fargo provides multiple credit card products focused on cash back, rewards, balance transfers, and introductory interest offers.
Some cards are designed for everyday spending, while others focus on long-term financing flexibility.
Each card has its own reward structure, fees, and eligibility criteria.
Reviewing these differences before applying helps you choose the option that fits your financial needs.
Common Wells Fargo credit card options
Wells Fargo Active Cash® Card, which offers unlimited cash rewards on purchases.
Wells Fargo Autograph® Card, designed for earning rewards on everyday categories such as dining and travel.
Wells Fargo Reflect® Card, which focuses on extended introductory APR periods for purchases and balance transfers.
| Feature / Card | Wells Fargo Active Cash® Card | Wells Fargo Autograph® Card | Wells Fargo Reflect® Card |
|---|---|---|---|
| Card Type | Cash Back | Rewards | Balance Transfer / 0% APR |
| Rewards Rate | 2% cash back on all purchases | 3× points on select categories* | 1.5% cash back on purchases |
| Intro APR Offer | 0% intro APR on purchases & balance transfers for a set period | 0% intro APR on purchases for a set period | 0% intro APR on purchases & balance transfers for a longer period |
| Standard APR Range | Variable APR after intro period | Variable APR after intro period | Variable APR after intro period |
| Annual Fee | $0 | $0 | $0 |
| Welcome Bonus | Earn cash rewards after qualifying purchases | Bonus points after spending threshold | No traditional welcome bonus |
| Best For | Simple, flat cash back | Bonus category rewards | Long-term 0% APR needs |
| Foreign Transaction Fee | Varies by card | Varies by card | Varies by card |
Pros & Cons for Popular Wells Fargo Cards
| Card | Pros | Cons |
|---|---|---|
| Wells Fargo Active Cash® Card | Unlimited 2% cash rewards on purchases. $0 annual fee. 0% intro APR for 12 months on purchases and qualifying balance transfers (then a variable APR range applies). |
Foreign transaction fee: 3%. Balance transfer fees apply (intro fee, then up to 5% with a minimum). |
| Wells Fargo Autograph® Card | $0 annual fee. No foreign transaction fee. Rewards-focused structure (Wells Fargo markets it as earning 3X points across multiple everyday categories). |
Balance transfers do not earn rewards (per terms). Balance transfer fees apply. Not ideal if your goal is a long 0% intro APR period, since the main promo focus is shorter than Reflect’s. |
| Wells Fargo Attune® Card | $0 annual fee. Marketed for higher cash rewards in select lifestyle categories (Wells Fargo lists 4% cash rewards in certain categories and 1% on other purchases). Includes an intro 0% APR period on purchases (per terms). |
Foreign transaction fee: 3%. Best value depends on whether your spending matches the eligible category definitions (category fit matters). |
| Wells Fargo Reflect® Card | Designed for low interest via promo APR, with 0% intro APR for 21 months on purchases and qualifying balance transfers (then a variable APR range applies). $0 annual fee. |
No rewards emphasis (main selling point is the promo APR, not points/cash back). Balance transfer fee: 5% (min $5). Foreign transaction fee: 3%. |
| Wells Fargo Autograph Journey℠ Card | Built for frequent travelers: Wells Fargo highlights higher points on travel categories (hotels/airlines and other travel/dining). No foreign transaction fee. |
$95 annual fee. No intro APR promo shown in the terms excerpt. |
Interest Rates and Fees
Understanding interest rates and fees is essential before applying for any credit card.
Wells Fargo credit card terms vary by product and by the applicant’s credit profile.
Interest Rates
Most Wells Fargo consumer credit cards have a variable APR that typically ranges from approximately 18.49% to 28.49%.
Some cards offer a 0% introductory APR on purchases and/or balance transfers for a limited period, after which the standard variable APR applies.
Fees
Annual fees vary by card, with several options offering no annual fee.
Balance transfer fees may apply when moving debt from another credit card.
Late payment fees may be charged if the minimum payment is not received by the due date.
Information You Need Before Applying
Before starting an online application, prepare the following details:
- Full legal name
- Social Security Number or Individual Taxpayer Identification Number
- Date of birth
- Residential address and contact information
- Employment status and income details
- Monthly housing or rent payment
Having this information ready helps reduce errors and speeds up the application process.
How to Apply for a Wells Fargo Credit Card Online
Applying online follows a structured and straightforward process.
Step 1: Review Available Cards
Start by reviewing the Wells Fargo credit card list and comparing their features, rewards, interest rates, and fees.
Step 2: Choose a Card
Select the card that aligns with your spending habits, whether you prefer cash back, rewards points, or financing flexibility.
Step 3: Start the Application
Click the online application option for your selected card and begin entering your personal and financial information.
Step 4: Complete the Application
Provide accurate information regarding your identity, income, and housing expenses. Review the terms and conditions before submitting the application.
Step 5: Receive a Decision
Many applicants receive an instant decision. In some cases, Wells Fargo may request additional verification before final approval.
After You Apply
If a decision is not provided immediately, you can check your application status by phone at 1-800-967-9521, available 24 hours a day.
Approved applicants can enroll in Wells Fargo Online® to manage payments, view statements, and monitor transactions securely.
The Wells Fargo Mobile® app allows cardholders to track spending, make payments, set alerts, and manage account security from a smartphone.
Payment and transaction alerts can help you stay on top of due dates and detect unusual activity.
Wells Fargo Contact Information
If you need assistance before or after applying, Wells Fargo offers several official contact options.
Phone Numbers
Credit Card Application Status: 1-800-967-9521
Credit Card Customer Service: 1-800-642-4720
Rewards Support: 1-877-517-1358
Mailing Address
Wells Fargo Bank, N.A.
420 Montgomery Street
San Francisco, CA 94104
United States
This is the bank’s main corporate address. Branch-specific services can be accessed through local Wells Fargo locations.
Tips Before Submitting an Application
Review your credit profile to understand your approval chances.
Compare multiple Wells Fargo cards to find the best match for your goals.
Read all terms carefully, including interest rates and fees.
Apply only when you are confident you meet the eligibility requirements.
Conclusion
Completing a Wells Fargo credit card application online is a simple process when you understand the requirements and prepare your information in advance.
The bank offers several credit card options designed for different spending and financing needs.
By comparing features, reviewing interest rates, and submitting accurate details, you can improve your chances of approval.
Disclaimer: This article is provided for informational purposes only. Credit card terms, interest rates, fees, and eligibility requirements may change over time. Always consult the official Wells Fargo website or contact a Wells Fargo representative directly to confirm the most current and accurate information before applying.
