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Wells Fargo credit card

Wells Fargo Cash Back Credit Card

No annual fee. $100 cash rewards after you spend $500 in 3 months. Purchase APR 18.74–28.74%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Wells Fargo’s terms

Welcome offer

$100 cash

After you spend $500 on purchases in your first 3 months.

Spending it takes
$167 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

The bonus cash rewards will show as redeemable within 60 days after they are earned. Offers may differ by marketing channel. The offer is unavailable or may be unavailable to applicants who currently have, or opened within the last 48 months, the card product being applied for, even if the account is closed and has a $0 balance.

  • Smaller than about 90% of the 48 other cash bonuses we track.

Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

“You may not be eligible for introductory annual percentage rates, fees and/or rewards bonus offers if you have the card product you are applying for or opened one within the last 48 months from the date of the application – even if that account is closed and has a $0 balance.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$340$240
Typical spender$700$600
Heavy spender$1,420$1,320
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$240a year

$340 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$600a year

$700 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$1,320a year

$1,420 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 100% of the 732 cards we track.

  • No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Wells Fargo Rewards®

How you earn

2%
Everything else

Cash back, as a share of each purchase.

Benefits

  • My Wells Fargo Deals provides personalized merchant deals and may provide cash back as an account credit when an eligible Wells Fargo credit card is used; deals must be activated and qualifying purchases must be made directly with the merchant by the expiration date.
  • Complimentary 24/7 Visa Signature® Concierge Services for tickets, travel bookings, dinner reservations and other assistance.
  • Visa Signature® Luxury Hotel Collection benefits at participating properties; reservations must be booked through a Visa Luxury Hotel Collection website or Visa Concierge.
  • Travel and Emergency Assistance Services provide assistance and referral while traveling worldwide; the cardholder is responsible for the cost of actual services or goods.
  • Emergency cash advance disbursement or card replacement may be available within one to three business days, in some cases within 24 hours, after issuer approval.
All 11 benefits
  • Cell phone: $600 per approved claim
  • Rental car
  • Emergency assistance
  • Roadside
  • Other
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR12 months from date of account opening
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
None · wellsfargo.com, since Oct 8, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each transaction converted to U.S. dollars.. · wellsfargo.com, since Oct 8, 2026
What is the purchase APR?
18.74–28.74% APR · wellsfargo.com, since Sep 29, 2026
Is there an intro APR?
0% for 12 months from date of account opening. · wellsfargo.com, since Sep 29, 2026
Is there a welcome bonus?
$100 cash back after $500 in purchases in 3 months. · wellsfargo.com, since Oct 11, 2026
See it on wellsfargo.com

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