Wells Fargo Credit Cards

Wells Fargo credit cards provide a wide range of features to meet the needs of cardholders. Be sure to evaluate the features and the interest rate on each card to ensure that you select a card that helps you maintain good credit management.

Wells Fargo offers a family of credit cards, each with different features and interest rates. Many of the cards offer a promotional interest rate for the first few months of account. Remember to evaluate the card's interest rate based on what it will become after the promotional period, not based on the promotional rate. By taking this longer term view for interest rate evaluation you are more likely to apply for a card that you will be happy with for the long term.

This card is designed for the individual who wants a low rate with no annual fee. The card features include:

• Interest rates as low as zero percent for up to nine months
• No annual fee
• The option to earn reward points for travel or gift cards

This card provides cash rewards on purchases. The card features:

• Interest rates as low as zero percent for up to six months
• No annual fee
• A one percent cash back bonus on credit card purchases

This card provides a rebate on purchases which are applied to the cardholder's Wells Fargo Home Mortgage loan principal. The features include:

• Interest rates as low as zero percent for up to six months
• No annual fee
• A built-in one percent rebate on purchases applied to the loan principal of the cardholders' Wells Fargo Home Mortgage

This card is designed to help new college students establish credit. The features include:

• Credit lines from $500 to $2,500
• Interest rates as low as 5.9 percent for up to six months
• No annual fee

This card is designed for college students who are willing to pay a slightly higher interest rate in order to earn cash rewards while they establish their credit. Features include:

• Credit lines from $500 to $2,500
• Interest rates as low as 7.9 percent for up to six months
• No annual fee
• A one percent cash back bonus on credit card purchases

This card is designed for consumers who want to establish or rebuild their credit history. Features include:

• A competitive interest rate
• An $18 annual fee
• Credit lines of $300 to $10,000. The actual credit limit is based on the amount deposited by the cardholder into a savings account.

All Wells Fargo credit cards come with a long list of available services designed to make credit card management and protection easy for the cardholder.

A credit card from Wells Fargo provides many services which make it easier to manage the credit card account including:

• Online account management – Cardholders can check balances, view available credit, view transactions, make payments and view statements
• Email alerts – Cardholders can arrange for alerts to be sent when:
  • Available credit is reaching zero
  • A monthly payment is due
  • Daily transactions meet a pre-specified level
• Spending reports – Cardholders receive online reports that track spending in categories such as gasoline and groceries
• Overdraft protection – Cardholders can link their Wells Fargo checking account to their credit card and use the credit card for overdraft protection
• Cards for family members - Additional cards are available at no cost

All Wells Fargo credit cardholders are eligible for services that provide fraud and insurance protection including:

• Wells Protect – Cardholders are automatically protected against liability due to fraud and card theft.
• Online shopping password – Cardholders can request a password which protects against unauthorized use of the card number for Internet purchases.
• Identity theft protection – Up to $10,000 in identity theft protection is available for a small monthly fee.

Each of the various credit cards is designed to meet the unique needs of a cardholder. Cards are available whether you are looking for a lower interest rate, a card for a college student or a card to help you rebuild credit.

For the ultimate in personalization, you can forego the traditional stagecoach design on the Well Fargo cards and redesign the look of your credit card with a special photo or image.

As with all credit cards, it is important to read the Terms and Conditions of a card before you apply. This information is available online or you can request a copy from a Well Fargo customer service representative.

If there is a promotional rate, be sure you understand what the interest rate will become when the promotional period ends or if you are late with a payment. Check the details on what changes can be made to your credit limit or interest rate.

You can apply for any of Wells Fargo's credit cards online on the Wells Fargo website. You don't have to be a Wells Fargo customer to apply. The application time is quick, and even faster for Wells' customers who already have applied for online banking.

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