Take control of your credit health

Lowest Intro APR

0% Intro APR for 18 months on purchases and balance transfers. After that your variable APR will be 16.90% to 26.74%. Balance transfer fees apply.


Excellent For:

  • LOW INTRO APR
  • BALANCE TRANSFERS
  • NO ANNUAL FEE

Card Features

Percent icon

Lowest Intro APR for 18 months on purchases

Balance transfer icon

Lowest Intro APR for 18 months on balance transfers

Additional Card Features

Access to Your FICO®trademark Credit Score

Find out where you stand when it comes to your credit. Get access to your FICO®trademark Score and more through Wells Fargo Online®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.

Rapid Alerts

Monitor your spending, purchases and any suspicious activity with fast text and email alerts and notifications.3

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

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.

1. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO®trademark Score available, and enrolled in Wells Fargo Online®trademark banking. 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® 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.

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 coverage 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 call 1-800-642-4720 24 hours a day, seven days a week or go to www.wellsfargo.com/cellphone. Click to see Wells Fargo Cash Wise Visa full terms and conditions.See full terms and conditions.

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.

3. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Wells Fargo Platinum
Visa®trademark   Card

Lowest Intro APR

0% Intro APR for 18 months on purchases and balance transfers.