Wells Fargo Credit Card Offers: Applications & Reviews

As one of the largest financial institutions in the world, Wells Fargo provides a number of banking services in more than 8,000 retail branches in more than 35 countries globally. You’ll find a broad range of financial products, whether you need a checking or savings account, home mortgage, or credit card.

Although the Wells Fargo line of credit cards isn’t as well-known as some of the other leading credit cards, it still provides a variety of cards with valuable features, rewards, and benefits. Wells Fargo credit cards range from cash back credit cards to travel rewards, as well as credit cards for those who are rebuilding or building their credit histories. In order to find the best Wells Fargo credit card for your needs, you should consider the following.

How to Apply for Wells Fargo Credit Cards

Like many other credit card issuers and banks, you can apply for a Wells Fargo credit card online at https://www.wellsfargo.com/credit-cards/. The process is quick and easy, and simply requires you to fill in your social security number and income information on the online application. You will usually receive a response of approval or denial in a matter of seconds. One thing you should note when apply for Wells Fargo cards is that you need to have an existing relationship with the bank to apply online. Otherwise, you will need to apply at a Wells Fargo branch.

Top Wells Fargo Credit Card Application Offers

Although Wells Fargo offers fewer credit cards than other card issuers, you’ll likely find a card that works for your situation and provides valuable rewards or benefits. Whether you prefer cash back, travel rewards, or you’re just starting out with a college student card, there is a Wells Fargo available that you can apply for and use. Here are the top Wells Fargo credit card application offers you should consider.

Wells Fargo Cash Wise Visa® Card

The Wells Fargo Cash Wise Visa® Card awards $200 cash rewards bonus after you spend $1,000 in net purchases in the first 3 months, and unlimited 1.5% cash rewards on virtually any purchase. If you use Android Pay™ or Apple Pay® mobile wallets, you earn 1.8% cash rewards on those purchases during the first 12 months of opening the account. You can redeem your cash rewards in $25 increments. If you withdraw your rewards from a Wells Fargo ATM or into a Wells Fargo account, you can redeem in $20 increments. There is a 0% introductory APR for purchases and balance transfers for 12 months. After that, a variable APR of 13.99% to 25.99% will apply. The foreign transaction fee is 3%. There is no annual fee.

Wells Fargo Propel American Express® Card

With the Wells Fargo Propel American Express® Card you get 3x points on U.S. gas stations, 2x points on U.S. restaurants, and 1x point on all other purchases. Plus, you earn 20,000 bonus points after spending $1,000 in the first three 3 months. You can redeem points at 2,500 points for a $25 gift card or you can redeem for travel, statement credit, deposit into a Wells Fargo checking or savings account, or a check. You can earn an annual bonus of 10% on non-bonus rewards points if you maintain a consumer checking, savings, or PMA Package account with Wells Fargo. There is a 0% intro APR for purchases and balance transfers for 12 months. Then the APR is 13.99% to 25.99% (variable). There is no foreign transaction fee and no annual fee for this card.

Wells Fargo Platinum Card

The Wells Fargo Platinum Card is Wells Fargo’s low-interest rate option. You get a 0% intro APR on purchases and balance transfers for 18 months. Then, the variable APR is 16.15% to 25.99%. This card’s benefits also include cellular telephone protection. The foreign transaction fee is 3%. There is no annual fee.

How to Find the Best Wells Fargo Card Promotions

Internet – Our Recommended Option. Our most recommended option for finding the best Wells Fargo card promotions is to through the Internet. This is because the most up-to-date and newest offers are typically available online. Looking for your card promotions online also means you have the chance to completely research your options and choose a card that works the best for your situation. As an added bonus, the Internet provides the convenience of applying online, directly from your laptop at home and getting a reply of approval or denial almost instantly.

Mail Offers. Many consumers get credit card promotions through the mail, although you may not get the the promotions as often from Wells Fargo unless you are already a banking customer. If not, you might have to rely on other ways to get the best Wells Fargo card promotions. However, even if you are a Wells Fargo customer and you get the mail offers, one of the downsides of mail offers is that the offer is usually limited to a specific card according to your demographics.

TV. You may have seen TV commercials for Wells Fargo credit card and other financial product promotions. These ads typically include a celebrity such as Jennifer Garner, who directs you to a phone number or a website like  https://www.wellsfargo.com/credit-cards/ where you can apply for a credit card. Like other types of promotions, however, TV ads are usually limited to a particular product, so you don’t get the information you need for other cards that are being offered. 

Magazines/Newspapers.  Magazines and newspapers are still important vehicles for credit card promotions. For Wells Fargo, it also means ads for various other banking products. The ads in print media usually focus on one opportunity and includes a phone number you can call or website you can visit to apply for that card. The only problem with these offers, is that they can sometimes be outdated or even expired.

Bank Branches. With thousands of Wells Fargo branches in the United States alone, Wells Fargo is one of the easiest branches to find if you want to find a credit card promotion in person. If you aren’t already a Wells Fargo customer, you will likely have to apply for the credit card you choose in a branch anyway. If you live near a Wells Fargo branch you can take care of any of your financial product needs and choose the right credit card for your situation the next time you visit. Another advantage is that it’s easier to find a Wells Fargo branch than it is to find many other credit card issuers.

Credit Cards for People with Excellent to Good Credit

Except for the secured card, many of the Wells Fargo credit cards require excellent to good credit. If you are currently working on rebuilding or building your credit, you may want to start out with the secured card or the student card. Further, if you just don’t find a Wells Fargo card that meets all of your needs, we recommend that you read our lists of the best balance transfer cards, low-interest rate, travel rewards, and cash back credit cards.

  • Best 0% Balance Transfer Credit Cards
  • Best Low Interest Rate Credit Cards
  • Best Travel Rewards Cards
  • 5 Best Cash Back Credit Cards