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Wells Fargo Credit Cards

Introducing the new Wells Fargo Propel American Express Cards. With rich rewards and a Relationship Bonus for Wells Fargo customers, our new Propel Cards are the perfect way to launch your next advent

Wells Fargo ® Visa Signature ® Card

Earn rich rewards and enjoy preferred travel, hotel, and shopping benefits.

Why a Wells Fargo Credit Card?

Three rewards points (1 base point plus 2 bonus points) are earned per dollar spent on net purchases (purchases minus returns/credits) at retailers whose merchant code for American Express is classified as airlines and air carriers category (charter flights and private jet flights are not considered airlines and air carriers) and two rewards points (1 base point plus 1 bonus point) per dollar spent on net purchases at retailers whose merchant code for American Express is classified as lodging hotels, motels, and resorts (timeshares, recreation camps, and campgrounds are not considered lodging hotels, motels, and resorts); and for all other purchases, one rewards point is earned per dollar spent in net purchases. Purchases not processed using these codes for American Express will not qualify for bonus points. Certain purchases/transactions do not earn points. Certain restrictions and limitations apply. See the Summary of the Wells Fargo Rewards ® Program Terms and Conditions and Addendum to the Wells Fargo Rewards ® Program Terms and Conditions for the Wells Fargo Propel World American Express ® Card for details.

Each Wells Fargo Propel World American Express ® Card Account will be eligible to receive credit totaling up to $100 per year for airline qualifying charges. Qualifying charges are domestic or international airline transactions (excluding ticket purchases) that are processed by retailers or airlines under the merchant code for American Express in the categories of airlines and air carriers. Wells Fargo does not have the ability to control how a retailer or airline chooses to classify their business and purchases made at retailers or airlines that do not process transactions using these codes for American Express will not qualify for credits. Cardholder is responsible for alerting Wells Fargo within 90 days of the transaction to receive credit for any qualifying charges that did not automatically post to your statement. Certain limitations and restrictions apply; please see the Airline Benefit Addendum to Consumer Credit Card Customer Agreement and Disclosure Statement for further details.

Three rewards points (1 base point plus 2 bonus points) are earned per dollar spent on net purchases (purchases minus returns/credits) at U.S. retailers whose merchant code for American Express is classified as gas station and automated fuel dispensers (gas purchases at warehouse/membership clubs, grocery stores, car washes, auto repair stores and superstores that sell gasoline may not earn bonus points) and two rewards points (1 base point plus 1 bonus point) per dollar spent on net purchases at U.S. retailers whose merchant code for American Express is classified as eating places and restaurants, drinking places and fast food restaurants (caterers, and bakeries, grocery stores and other miscellaneous places that serve food or operate restaurants on their premises may not earn bonus points); and for all other purchases, one rewards point is earned per dollar spent in net purchases.)  Purchases not processed using these codes for American Express will not qualify for bonus points. Certain purchases/transactions do not earn points. Certain restrictions and limitations apply. See the “Summary of the Wells Fargo Rewards ® Program Terms and Conditions and Addendum to the Wells Fargo Rewards ® Program Terms and Conditions for the Wells Fargo Propel 365 American Express ® Card ” for details.

If you own a qualifying Wells Fargo consumer checking or savings account, or a PMA Package (each a “qualifying deposit account”), you will earn a relationship bonus of 10%, 25%, or 50% on rewards points earned on net purchases (purchases minus returns/credits) made on your credit card account. You cannot earn a relationship bonus on points that are earned as either bonus points or as promotional points. Your relationship bonus percentage will be determined based on the type of qualifying deposit account you own. If you own an eligible checking or savings account, you will earn a 10% relationship bonus. If you own the primary checking account in a PMA Package, you will earn either a 25% or 50% relationship bonus, depending on the statement-ending qualifying relationship balances in and type of PMA Package. If you own more than one qualifying deposit account, you will earn the most favorable bonus rewards points percentage you qualify for at the time your relationship bonus is calculated. The relationship bonus, which will be in the form of rewards points, will post to your account in the 13th month after your credit card account was opened and annually on this date thereafter for as long as you maintain your qualifying deposit account. Please see the Wells Fargo Rewards ® Program Terms and Conditions for the Wells Fargo Propel 365 American Express ® Card for details.

Certain limitations and exclusions apply. Please refer to The Visa Guide to Benefits for further details.

Five (5) rewards points (one (1) base point plus four (4) bonus points) are earned for every dollar spent on net purchases during the first six (6) months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations; and for all other purchases, one (1) rewards

point is earned for each $1 spent in net purchases. Purchases not processed using these merchant codes for Visa will not qualify for bonus rewards points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus rewards points. Certain purchases/transactions do not earn rewards points. Please see the Wells Fargo Rewards ® program for Credit Card Summary of Terms and Conditions for details.

Flights must be redeemed through the Wells Fargo Rewards ® Program. For airline ticket redemptions, the number of Points required to be redeemed is equivalent to the ticket costs divided by .015, rounded up to the nearest whole Point. Points comparison is based on Wells Fargo Rewards ® cash redemption options, where the number of points required to redeem is equivalent to 2,500 points for a $25 cash redemption option. Cash redemption options must be redeemed in $25 increments. For airfare redemptions, a separate $24 per airline ticket processing fee will apply. Certain restrictions and limitations apply. For further details, please see The Wells Fargo Rewards ® Program Summary of Terms and Conditions and for the Wells Fargo Visa Signature Card.

Five percent (5%) cash rewards (one percent (1%) base plus four percent (4%) bonus) are earned for every $1 spent on net purchases during the first six (6) months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations; and for all other purchases, one percent (1%) cash rewards is earned for each $1 spent in net purchases.  Purchases not processed using these merchant codes for Visa will not qualify for bonus cash rewards. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus cash rewards. Certain purchases/transactions do not earn cash rewards. Cash rewards can only be redeemed in twenty-five dollar ($25.00) increments. Please see the Summary of the Wells Fargo Rewards Program Terms and Conditions and Addendum for the Wells Fargo Cash Back Card for details.

Five percent (5%) rebates (one percent (1%) base plus four percent (4%) bonus) are earned for every $1 spent on net purchases during the first six (6) months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations; and for all other purchases, one percent (1%) rebate is earned for each $1 spent in net purchases. Purchases not processed using these merchant codes for Visa will not qualify for bonus rebates. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus rebates. Certain purchases/transactions do not earn rebates. Your Wells Fargo Home Mortgage loan principal balance is automatically credited each time you earn a $25 rebate.  Rebates earned are displayed and redeemed as "cash rewards." Please see the Summary of Wells Fargo Rewards ® Program Terms and Conditions and Addendum for the Wells Fargo Home Rebate Card for details.

To qualify for the Wells Fargo Cash Back College credit card, students must be the age of majority/emancipation in the state of residence, show proof of enrollment in an accredited college, university or trade school, and meet other credit qualifications. Applicants must be able to demonstrate the ability to individually repay their debt and have a minimum income greater than $3,000. If not, a co-applicant will be required and must apply jointly at the time of application. If your income is over $12,000 a year, consider applying for the Wells Fargo Cash Back SM Card .

Three percent (3%) cash rewards (one percent (1%) base plus two percent (2%) bonus) are earned for every $1 spent on net purchases (purchases minus returns/credits) during the first six (6) months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations; and for all other purchases, one percent (1%) cash rewards is earned for each $1 spent in net purchases. Purchases not processed using these merchant codes for Visa will not qualify for bonus cash rewards. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus cash rewards. Certain purchases/transactions do not earn cash rewards. Cash rewards can only be redeemed in twenty-five ($25.00) increments. Please see the Summary of Wells Fargo Rewards ® Program Terms and Conditions and Addendum for the Wells Fargo Cash Back College Card for details.

In addition to the annual fee, you must also make a one-time deposit of $300-$10,000 to a "Collateral Account." Your collateral account determines the limit that you may charge up to, and is held as a deposit. You still need to make monthly payments toward any balance you accrue, as with any other credit card. Please see the Wells Fargo Secured Card Terms and Conditions for more details.

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