Wells Fargo Credit Card Promotions: January 2020
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Wells Fargo is offering promotions for new credit card applicants. Which deal is right for you? Read this in-depth guide.
Wells Fargo is well-known for their banking products, but their credit cards are often overlooked. But they do have credit card offers worth considering.
Read on for the list of current card promotions for new applicants.
Featured Wells Fargo Promotions
- Wells Fargo Cash Wise Visa: Earn a $150 cash rewards bonus after spending $500 in the first 3 months
Learn more about Wells Fargo Cash Wise Visa®
- Wells Fargo Platinum: Get 0% intro APR for 18 months on purchases and balance transfers. After that, the variable APR is 16.99% - 26.49% (Variable)
- To apply for a credit card by phone, you can call 1-800-932-6736.
- For existing cardholders, you can call 1-800-642-4720 with any questions.
Cash Rewards Cards
Wells Fargo Cash Wise offers a $150 cash rewards bonus after you spend $500 within the first 3 months. This card earns 1.5% cash rewards on purchases. There is a 0% intro APR for 15 months on purchases and balance transfers. After that, a 15.49% - 27.49% variable APR. Balance transfer fees apply. There is a $0 annual fee.
Balance Transfer Card
Wells Fargo Platinum offers 0% intro APR for 18 months on purchases and balance transfers. After that, a 16.99%-26.49% variable APR. Balance transfer fees apply. There is a $0 annual fee.
In-Depth Guide to Wells Fargo Credit Cards
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Which Wells Fargo Deal Is Right for You?
To pick the right card for you, consider the following factors:
- Your financial goal: If you would like cashback rewards, look into the Cash Wise Visa. If paying down debt is your biggest priority, the Platinum Card has the longest intro APR length. But it has no rewards.
- Intro APR: The Wells Fargo cards below all offer an introductory APR period for purchases and balance transfers. If you need time to pay off some debt or large purchases, be sure to choose the card with an intro APR term right for you. The Platinum card offers the longest term.
- Your credit score: Your credit score will largely determine what card you're able to quality for. These cards below are generally for those with good to excellent credit.
Wells Fargo Credit Card Offers for New Applicants
New Application: Before you apply for a new Wells Fargo card, here are some things you need to know.
- If you opened a Wells Fargo card in the past 15 months, you may not be eligible for the sign-up bonus and intro APR rate on another card.
- If you opened a Wells Fargo credit card in the past 6 months, you may not qualify for another Wells Fargo card.
Now let's go deeper into each Wells Fargo card.
- Where to apply: When you're ready to apply, visit Wells Fargo website. You can also apply by phone at 1-800-932-6736 or at a branch.
- Already applied? If you applied online, you can check the status of your application online. If you are not a Wells Fargo banking customer, you'll be sent an email with a unique Access Code you can use to check your application status. If you do already have a Wells Fargo login, then simply log in with your username and password.
Earn Cash Back: Wells Fargo Cash Wise
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Wells Fargo Cash Wise Visa offers generous rewards for a no-annual-fee card.
Earn a $150 cash rewards bonus after spending $500 in the first 3 months. All purchases earn 1.5% cash back with no cap.
And for the first 12 months, if you make purchases on a qualified mobile wallet (such as Apple Pay, Google Pay, or Android Pay), you earn an additional 20% bonus. This means you can earn up to 1.8% cash back the first year.
You can redeem your cash rewards right at the ATM. So you can literally see your rewards in the form of cold, hard cash.
It also has a 0% intro APR on new purchases and qualifying balance transfers for 15 months. After that, the APR is 15.49% - 27.49% (Variable).
Balance Transfer: Wells Fargo Platinum
If you have existing debt from another credit card, a balance transfer can give you time to pay it while getting a break on interest.
Wells Fargo Platinum will give you the most time to pay off debt. It offers 0% APR for 18 months on purchases and balance transfers. After that, the variable APR is 16.99% - 26.49% (Variable).
However, there is a balance transfer fee of $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5. This could make the transfer very costly if you have a large amount to transfer. But if you need a long time to pay off the debt, the money you save in interest could be well worth the transfer fee.
Making Your Choice
Wells Fargo Cash Wise Visa® card | Wells Fargo Platinum Visa card | |
|---|---|---|
Interest Rates and Fees | ||
| Introductory APR for Purchases | 0% introductory APR for 15 months | 0% introductory APR for 18 months |
| Introductory APR for Balance Transfers | 0% introductory APR for 15 months on qualifying balance transfers | 0% introductory APR for 18 months on qualifying balance transfers |
| Purchase APR | 15.49% to 27.49% (Variable) based on your creditworthiness and other factors | 16.99% to 26.49% (Variable) based on your creditworthiness and other factors |
| Balance Transfers APR | 15.49% to 27.49% (Variable) based on your creditworthiness and other factors | 16.99% to 26.49% (Variable) based on your creditworthiness and other factors |
| Annual Fee | ||
Benefits and Features | ||
| Introductory Bonus Cash Back | Earn a $150 cash rewards bonus after spending $500 in the first 3 months | |
| Cash Back Rewards | Earn unlimited 1.5% cash rewards on purchases Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening | |
Wells Fargo Cash Wise: Pricing information including interest rates, benefits and fees was obtained on November 5, 2019 from published websites and is believed to be accurate, but not guaranteed. Wells Fargo Platinum: Pricing information including interest rates, benefits and fees was obtained on November 5, 2019 from published websites and is believed to be accurate, but not guaranteed. Disclaimer: The information for the Wells Fargo Cash Wise Visa® card and Wells Fargo Platinum Visa card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer. | ||
Hopefully, certain cards stuck out for you as you looked down this list. Which card is the best fit for you depends on your spending patterns and what you hope to get out of your credit card. As with any credit decision, research is important to make sure you pick the card that's best for your specific financial situation.
- Automated monthly payments deducted from your checking or savings account. You can choose to pay the minimum, your full balance, or a specified amount.
- A one-time online transfer from your checking or savings account. You can make a same-day payment (before midnight PST) or schedule a future payment.
- Use Online Bill Pay to pay your credit card bill if you have a Wells Fargo checking account.
- By phone by calling 1-800-869-3557; available 24/7
- By mail in check to Wells Fargo Card Services, P.O. Box 51193, Los Angeles, CA 90051-5493
Remember: as with all credit card and bank offers, terms and limitations apply.
Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.
Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Wells Fargo.
Editorial Note: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase.
Editorial Note: This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.
Disclaimer: The information for the Wells Fargo Cash Wise Visa® card, Wells Fargo Platinum Visa card, Wells Fargo Propel American Express® card, Chase Freedom, and Citi® Double Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
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