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Get our Longest Intro APR
0% Intro APR for 18 months on purchases and balance transfers. After that your variable APR will be 17.24% to 26.74%.
Balance transfers made within 120 days qualify for the intro rate and fee.*
Longest Intro APR and Balance Transfers
APR for 18 months on purchases
APR for 18 months on
Additional Card Features
Access to Your FICO® registered trademark Credit Score
Find out where you stand when it comes to your credit. Get access to your FICO® registered trademark Score and more for free through Wells Fargo Online® registered trademark.1
Cell Phone Protection
When you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card, you can receive up to $600 of protection (subject to $25 deductible) against covered damage or theft.2
My Money Map
Make smarter decisions about your financial future with easy-to-use tools that help you create a budget and manage your spending.
Monitor your spending, purchases and any suspicious activity with fast text and email alerts and notifications.3
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Credit card subject to credit qualification.
Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances).
You must be a citizen or a permanent resident alien of the U.S. to qualify for this credit card. Nonresident aliens may want to consider applying for a secured credit card by visiting https://www.wellsfargo.com/credit-cards/secured. Opens in a new window..
1. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® registered trademark Score available, and enrolled in Wells Fargo Online® registered trademark banking. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. Other consumer accounts may also be eligible. Contact Wells Fargo for details.
Important: There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO® registered trademark Score or Wells Fargo credit rating does not necessarily guarantee a better loan rate, approval of a loan, or an automatic upgrade on a credit card.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Return to Footnote content 1
2. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with a maximum benefit limit of $600 per claim and $1,200 per 12 month period. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection cove age begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp. Opens in a new window..
Note: Call your cellular provider (or log on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. Return to Footnote content 2
3. Sign up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. Return to Footnote content 3
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.