Wells fargo credit score needed for credit card

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

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Rating: 4.7 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

N/A

Intro offer

N/A

Annual fee

$0

Regular APR

17.24% - 29.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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  N/A

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  Leveraged correctly, this Wells Fargo card can net you one of the longest introductory APRs on the market: Cardholders pay 0 percent interest on purchases and qualified balance transfers for 18 months from account opening (then variable 17.24 percent to 29.24 percent APR) and can get a three-month extension on that intro APR offer with on-time minimum monthly payments during the intro period for a whopping up to 21 months of promotional interest. Read our full Wells Fargo Reflect Card review.

  Pros

  • The card touts up to $600 in cell phone protection against damage or theft if you use it to pay your monthly phone bill (subject to a $25 deductible).
  • Getting a three-month extension on the promotional APR encourages discipline in on-time card payments.

  Cons

  • This card charges a 3 percent foreign transaction fee, making it a card you shouldn’t use abroad.
  • The lack of a traditional rewards program eats into the long-term value of this card.

• Card detailsCaret Down
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.24% to 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select "Apply Now" to learn more about the product features, terms and conditions

  Additional features

  Purchase intro APR

  0% intro APR for up to 21 months from account opening

  Balance transfer intro APR

  0% intro APR for up to 21 months from account opening on qualifying balance transfers

Best for cash rewards

Wells Fargo Active Cash® Card

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On Wells Fargo's secure site

Add to compare

Best for cash rewards

Wells Fargo Active Cash® Card

Apply Now Lock

On Wells Fargo's secure site

Add to compare

Rating: 4.3 stars out of 5

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

See Rates & Fees

Rating: 4.3 stars out of 5

InfoHover for more

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Info

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

Rewards Rate

• 2% Earn unlimited 2% cash rewards on purchases

Intro offer

$200 cash rewards

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Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

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Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

Annual fee

$0

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Recommended credit

Good to Excellent (670 – 850)

InfoHover for more

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Info

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

• Rewards rateCaret Down
  • 2% Earn unlimited 2% cash rewards on purchases

• Bankrate's ViewCaret Down

  There aren’t many cash rewards cards that earn 2 percent cash rewards back on purchases, but this is one of the best Wells Fargo credit cards because of its cash rewards rate. The spending requirement associated with the card’s sign-up bonus may be a bit high when compared to similar cards, but it’s doable and you’ll have access to many valuable perks and protections, including Visa signature benefits.