Wells Fargo Cashback Cards
Cashback cards are great if you want to pay less for purchases you were going to make anyway. With these cashback credit cards, you earn valuable rewards on every purchase, so its like getting a discount on everything you buy. Some also offer a cash rewards bonus after you spend a certain amount.
Wells Fargo cashback rewards can be redeemed in the way that makes the most sense for you. Get cash redemptions at Wells Fargo ATMs, get a direct deposit to your Wells Fargo bank account, or even apply them toward your Wells Fargo mortgage principal balance.
Wells Fargo offers these cashback cards:
How Can You Check For Pre
Want to know which credit card companies may have already pre-approved you for one of their offers? Here are links from many of the major credit issuers to check for pre-approved offers.
American Express: Fill out a form with your name, home address, and some personal information.
Barclays: There is no pre-qualification tool for U.S. consumers U.K. consumers do have such a tool.
Bank of America: You can choose to log in or continue as a guest, then fill out their brief form.
Capital One: Capital One walks you through a form by asking you questions about your address, income, and other personal information to determine the best option for you and your eligibility status.
Why Didn’t I Get An Access Code
There are two reasons you may not have received an Access Code. First, if youre a Wells Fargo Online customer, then you can use that username and password to check the status of your application. If you are not a Wells Fargo Online customer and didnt receive an Access Code, it means that this service isnt available for your application.
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Do I Need A Personal Identification Number For My Credit Card
A Personal Identification Number assigned to your Wells Fargo Credit Card account is required at ATMs. To request or customize a PIN, please call the number on the back of your card. If you have a chip card, a PIN may be required at some unattended terminals abroad, such as ticket kiosks, parking lots, and gas stations.
Wells Fargohard Or Easy
Anyone with experience know how hard it is to get a Wells Fargo credit card in comparrison to other lenders? I was just recently approved by Discover and was approved by AMEX last summer. I am looking for a good 0% APR balance transfer card to manage a $10,000 balance from another higher interest card. ANd I don’t currently bank with Wells Fargo.
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Does The Wells Fargo Reflect Card Charge Foreign Transaction Fees
The Wells Fargo Reflect Card charges a 3% in foreign transaction fees for all purchases you make abroad.
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site . ValuePenguin does not include all financial institutions or all products offered available in the marketplace.
How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin’s alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.
Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel and a 1.25% rewards rate on everything else .
Best Business: Wells Fargo Business Platinum Credit Card
Get a one-time $500 cash back bonus or 50,000 bonus points when you enroll in the Business Card Rewards Program and spend $5,000 in the first three months of account opening.
|Earn 1.5% cash back on every $1 spent.|
|INTRO PURCHASE APR|
- Why We Chose This Card:
- Pros & Cons
We chose the Wells Fargo Business Platinum Credit Card as the best business card from Wells Fargo because it offers the simple cash back and no annual fee structure as the consumer Cash Wise card, making it a good option for business owners who appreciate the straightforward value and lack of complication. Up to 99 employee cards can be added at no charge to earn additional cash back on business purchases. Unlike Cash Wise, though, Business Platinum provides the choice of cash back or points. A substantial one-time cash back or points bonus is also a nice opportunity after you meet the card’s initial spending requirements.
No charge for employee cards
Annual sales must be below $2 million
Small one-time bonus compared to spending requirement
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Wells Fargo Vs Bank Of America
Wells Fargo and Bank of America are both recognized and respected banking institutions within the U.S. They provide similar services, such as bank accounts, credit cards, and loans. Credit cards from both companies typically use the Visa or Mastercard payments networks, so theyre widely accepted around the world.
Overall, Wells Fargo edges Bank of America in company size. Wells Fargo has more than 250,000 employees, whereas Bank of America is slightly smaller with just over 200,000 employees. Still, theyre both massive and well-known companies within their industries.
Heres What You Should Know About Wells Fargo Credit Card Pre
- Wells Fargo will look at a combination of your credit history, income and other debts to determine whether to approve you for a card. You can stay on top of your credit score with WalletHubs free daily updates.
- Some cards may simply be out of reach, depending on your credit standing. For example, the Hotels.com® Rewards Visa® Credit Card requires good credit, while the Wells Fargo Platinum card needs a good credit score.
- One of the best ways to improve your chances of approval is to boost your credit score. You can do this by paying down your debt, making your monthly payments on time, and using less of your available credit. WalletHubs personalized credit analysis will tell you exactly what to do.
- If you already have a Wells Fargo credit card, credit reallocation may help you get a new one. Reallocation lets you shift some of your credit limit from an existing Wells Fargo card to a new Wells Fargo card. You cant shift your entire credit limit, and its not guaranteed to get you approved for a new card, but it cant hurt. To ask about credit re-allocation, call .
Theres no way to check for Wells Fargo credit card pre-approval. But if you know your credit score, and what type of card you want, you should be able to get a ballpark sense of your approval chances.
Wells Fargo credit card approval odds are best for people who have good credit. This means that most Wells Fargo credit cards require credit score of 700+.
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What Should I Do If I Plan To Travel And Use My Card
Please call us at 1-800-642-4720 if you plan to use your card while traveling*. This helps to ensure continued access to your account. If you need to reach us while you are traveling please also make note of these international phone numbers.
*At this time, Wells Fargo cards cannot be used in Cuba or other sanctioned destinations as defined by U.S. Department of Treasury’s Office of Foreign Assets Control . Please call the phone number on the back of your card if you have questions.
Compare The Best Wells Fargo Credit Cards
|$150 after $500 in 3 months 0% APR on purchases and balance transfers for 15 months||Unlimited 1.5%|
|Wells Fargo Business Platinum Credit CardBest Business||$300 or 30,000 points after $3,000 within 3 months 0% APR on purchases and balance transfers for 9 months||Unlimited 1.5% or 1 point per $1 plus 1,000 bonus points each month you spend $1,000||$0|
|0% APR on purchases and balance transfers for 18 months||None|
|3% on up to $2,500 in gas, grocery, and drugstore purchases during first 6 months||Unlimited 1%|
How To Increase Your Chances Of Getting Preapproved
If you want to boost your chances of getting preapproved, youll need to take some simple steps to improve your credit score. For example, you should make sure to pay your credit card bill and other bills early or on time each month. Considering your payment history is the most important determinant of your FICO score, this is easily the most important thing you should do when it comes to your credit.
Since the amount you owe in relation to your credit limits is the second most important factor that makes up your FICO score, you should also strive to pay down debt. Doing so can decrease your credit utilization rate, which shows lenders youre not at risk of overextending yourself.
Other steps you can take to improve your credit include refraining from opening too many credit card accounts and keeping old credit cards openeven if youre not using them.
What Type Of Alerts Can I Set Up
Receive notifications by email or text message for a variety of activities to help you monitor and manage your account, including:
- Payment due and posted
- Purchases exceeding a set amount
- Foreign transactions
- Online, phone, or mail purchases
If we detect suspicious card activity, we may reach out to you by phone or text asking you to verify one or more suspicious transactions. You do not need to enroll to receive this alert.
For a complete list of available alerts, sign on to Manage Alerts. To learn more, review our .
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Which Credit Cards Earn Go Far Rewards
Wells Fargo offers several credit cards with the ability to earn Go Far® Rewards points. Youll have to consider each options affordability and how it fits your lifestyle, but any of the following provide access to easy earning opportunities:
Wells Fargo Cash Wise Visa® card
Youll earn unlimited 1.5% cash rewards on purchases and a $150 intro bonus after spending $500 in the first 3 months, plus no annual fee. If thats not welcoming enough, youll also earn 1.8% cash rewards on digital wallet purchases in your first year. Rewards will appear in your account as Go Far® Rewards points, but youll only be able to redeem for cash.
This card offers the ability to earn 5X points on up to $12,500 spent on gas, grocery and drugstore purchases for the first six months and 1X points on other purchases. Additionally, your points will receive a 50% boost in value when redeeming for airfare and you wont face paying an annual fee.
Wells Fargo Rewards® Card
Similar to the Wells Fargo Visa Signature, the Wells Fargo Rewards Card also earns 5X points on up to $12,500 spent on gas, grocery and drugstore purchases for the first six months and 1X points on other purchases. While you can avoid an annual fee, this card doesnt offer a value boost to points.
How Will I Receive The Passcode
The one-time passcode will be sent via text to the mobile phone number that is on file with Wells Fargo to service your account. If you have more than one mobile number on file, you will be prompted to select the desired number. We send our one-time passcodes from 93557 or 93733. We recommend that you add the numbers to your phones address book so youll be able to easily identify our text messages.
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Wells Fargo Reflect Card Review: Is It Worth It
The Wells Fargo Reflect Card is worth it for those looking for a long low intro APR offer on purchases and balance transfers.
This card is an ideal choice if you plan to consolidate debt or need to make a large purchase. But while this card comes with one of the best 0% intro APR offers on the market today, it doesn’t come with any other rewards so only consumers who can take advantage of its low interest offer will find this card valuable.
For consumers looking to get more from their credit card than just a low interest APR offer, consider the Wells Fargo Active Cash Card, which has a similar intro offer and also allows you to Earn unlimited 2% cash rewards on purchases with no rewards category limitations or quarterly activations.
What Is Wells Fargo And What Does It Offer
Founded in 1852, Wells Fargo is a multinational financial services company headquartered in San Francisco, California.
Wells Fargos services can be split into four main segments: consumer banking and lending, commercial banking, corporate and investment banking, and wealth and investment management.
With around 13,000 ATMs and 5,437 branches, Wells Fargo holds the spot as the third-largest bank in the United States. As of March 2021, Wells Fargo has nearly 33 million active digital users and serves one in three U.S. households.
Wells Fargo offers a number of credit cards in categories including cash back and balance transfers.
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What Is The Credit Limit For The Wells Fargo Reflect Card
Wells Fargo doesnt list specific credit limits for the Wells Fargo Reflect Card. However, generally speaking, your credit limit will be assigned based on your income, credit score and other debts.
If you’re a current Wells Fargo credit card customer and want to apply for the Wells Fargo Reflect Card, you should also know that Wells Fargo has the right to reallocate your credit limits between your existing card and your new account.
Who is eligible for the introductory offer? Before you apply, you should be aware that Wells Fargo sets limits on whos eligible for their introductory offers. Specifically, the bank says that “you may not be eligible for introductory annual percentage rates, fees and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR, fees and/or bonus rewards offers even if that account is closed and has a $0 balance.”
You also may not be eligible if youve opened another Wells Fargo credit card in the last six months.
How Do I View My Credit Card Balance
Sign on to Wells Fargo Online® to see your credit card balance, add card services, transfer funds, and more.
If you are not enrolled in Wells Fargo Online, enroll now.
If you are enrolled in Wells Fargo Online and don’t see your credit card account online, simply sign on to Wells Fargo Online and go to Add Account. If you do not see your credit card account in the Add Account dropdown list, please call 1-800-956-4442.
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Boost Your Chances Of Preapproval
If you have your eyes set on a specific Wells Fargo card, and the Wells Fargo preapproval tool says that you arent qualified, dont fret. You can still take steps to improve your chances of being approved. Its possible to increase your odds of being preapproved for a credit card and the good news is that it requires the same good habits that you might already have.
Make sure that you pay your bills on time each and every month and keep your low. Dont keep applying for new credit cards, either, since each hard inquiry will lower your credit score by a few points.
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Applying For Credit For The First Time
When you apply for your first credit card or loan, lenders try to determine how likely you are to pay back what you borrow. They look at a lot of different factors, but start by following these guidelines:
- Have an income Its hard to pay back money if you dont have any. A bank may ask to see pay stubs or proof that you can repay.
- Show you can make consistent payments For credit cards, theres a minimum due every month based on how much youve borrowed. Lenders want to make sure that you can pay every time.
- It helps if youre a customer If you already have a checking or savings account with a bank, they know something about you and may be more likely to give you that loan or credit card.
- Dont ask for too much Start small and manage your credit well, and later on youll be able to borrow more.
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What Should I Expect After I Apply Online
- Once you apply online you will receive an application ID and a phone number you may call to check the status of your application if you are not instantly approved.
- If you are not instantly approved, we will mail you a credit decision within 5 to 7 business days.
- If you are approved, you will receive a mail package with information intended to help you better understand your credit report and a copy of the applicable Wells Fargo Privacy Notice. Your credit card, additional information on the card features, and terms of the account will be arriving in a separate mailing soon afterwards.
- If you are not approved for a new account, you will receive a written explanation of why we were not able to grant you credit at this time.