Wells Fargo was established in the years 1852 by William Fargo and Henry Wells. Wells Fargo (WF) started a banking and express delivery company in the west. In 1905, Wells Fargo merged with Nevada National Bank, in 1923, it was also merged with Union Trust Company. In 1980, Wells Fargo acquired Crocker National bank and Barclays Bank of California. Today, well Fargo issues credit cards simply called Wells Fargo Credit Card.
Wells Fargo became one of the first major financial services firms to offer internet banking in 1995. After it acquired First Interstate in 1996, Norwest acquired Wells Fargo in 1998. In 2000, Wells Fargo acquired First Security Corporation.
The bank grew significantly over time and currently serves 70 million customers across the United State and has 232000 Wells Fargo employees.
How Does a Wells Fargo Credit Cards Work?
Wells Fargo card works like any other credit card. Upon approval, you will receive a maximum credit limit, which will be based on your credit score, income, and a few other factors.
You will have the flexibility to borrow as much or as little money as you would like up to your approved credit limit.
Wells Fargo partners with international payment networks like Visa, MasterCard, and American Express to handle credit card processing.
Meanwhile, Wells Fargo is the bank and card issuer to customers’ on-demand. Every time you make a transaction with one of its credit cards, it is Wells Fargo’s job to make sure the merchant receives the money and you get billed.
Pros of Wells Fargo Credit Cards
====> No limit to the number of points you can earn, you will earn unlimited points as well as you use your Wells Fargo Propel Card
====> Your acquired points will not expire
====> No blackout dates
====> You can use your points on travel, gift cards, cash, merchandise, and more
====> Redeem points for any travel purchase at a value of 1 cent each
====> You will be able to transfer your points to other Wells Fargo cards, including the Wells Fargo Visa Signature card, which offers a 50% travel redemption bonus
Cons of Wells Fargo Cards
====> Around 2500 minimum points required for airline tickets, this is considered too high to acquire
====> You cannot transfer points to outside loyalty programs
====> Flights must be redeemed through Go Far Rewards
Key Features of the Wells Fargo Credit Cards
Rewards: On your Wells Fargo Propel Card, you will earn 3 points on every single $1 spent on the following categories:
Watch and Listen. This category includes multiple eligible streaming services, such as Amazon Prime, Audible, Apple Music, Apple TV+, Disney+, ESPN+, fuboTV, HBO Now, Hulu, Netflix, Pandora, Sirius XM Radio, Spotify Premium, and more.
Eat and Drink: This category includes restaurant dining, takeout, and bars.
Fly and Stay: This category includes flights, hotels, homestays, and more.
Ride and Drive: This category includes gas stations, rideshares, and transit.
Welcome offer: You will earn 20000 bonus points when you spend $1000 to make purchases within the first 90 days which will amount to a $200 cash redemption value. In this case, terms and conditions apply.
Annual fee: None or $0.
Benefits of Wells Fargo Cards
====> Enjoy extended warranty on perches through your credit card
====> Roadside assistance hotline
====> Travel emergency assistance
====> You will access insurance for stolen or damaged purchases
====> Rental car collision insurance (secondary to your own policy)
====> You will enjoy advance access to buy concert, theater, and special events tickets (under the American Express program)
====> You will enjoy return protection on your purchase
Type of Credit Cards Issued By Wells Fargo
This part of the article will cover various kinds of Wells Fargo Credit Card in the market. At the end of this part of the article, you should be able to choose which of the credit card suit your purpose
Wells Fargo Propel American Express Card is one of the leading credit cards without foreign transaction fee when used for international purchase. Through Wells Fargo Propel Card, you will be awarded points for every money you spent through your Fargo credit card.
On wells Fargo Card, you will not be charged annual fees, you will accelerate your points-earning potential with a high earn rate across multiple categories of spending.
The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but cannot stomach the idea of paying an annual fee for a credit card.
Meanwhile, even with extensive travel off the table for many for the foreseeable future, the Propel card still remains a compelling choice for its strong rewards rate on multiple categories.
This is because your earnings, known as GoFar Rewards, can be used for more than just travel redemptions. Other options for your stash include statement credits, cash back from a Wells Fargo ATM or gift cards.
Wells Fargo Cash Back College℠ Card
The first Well Fargo card that catches our attention is Wells Fargo Cash Back College℠ Card. We believe this credit card is good for academia. Here is what you enjoy from using this Well Fargo Credit Card.
====> When you make use of the card for gas, grocery, and drugstore and spent about $2500 within the first 6-months, you will enjoy 3% cash back
====> This credit card offer you a zero percent Intro APR on purchases and balance transfers, here variable APR is applies
====> This credit card is a zero annual card, you don’t need to worry about the annual fee at all
====> Wells Fargo Cash Back College℠ Card gives 1% cash rewards on all other purchase aside from the one mentioned above
====> You will be able to access your FICO Credit Score, credit education and other tools with Wells Fargo Online
====> Flexibility to use cash rewards toward travel, gift cards, merchandise, cash redemption options, and more
Wells Fargo Propel American Express® Card
This is the second Wells Fargo Credit Cards that caught our attention, it is one of the leading Wells Fargo Cards. We will not waste much of your time, here is what you need to know about Wells Fargo Propel American Express® Card
====> Just like the first Wells Fargo Credit card we mentioned, this credit card is zero annual fee card.
====> You are not to pay anything on foreign transactions, this is another advantage of using this credit card.
====> If you are able to spend $1000 within the first three months, you will earn 20000 bonus points and a $200 cash back
====> Wells Fargo Propel American Express® Card offer Intro zero percent on balance transfer and purchases for the first 12 months of opening your account
====> You will also enjoy cell phone protection, this protects your cell phone from damage and theft
====> No limit to points you can earn, as you spend you earn. Your earn point will not expire as long as your account remains active
====> You will enjoy 3X-points on eating out and ordering in; gas stations, rideshares, and transit; flights, hotels, homestays, and car rentals; and popular streaming services – all other purchases earn 1X points
Wells Fargo Rewards® Card
It is time to talk about the third card on the list, this Wells Fargo Credit Card is called Wells Fargo Rewards® Card. These are what you need to know about this credit card.
====> This credit card gives flexibility to every user, you will use your points towards gift cards, redeem cash, travel, merchandise, and lot more
====> Just like other Wells Fargo Cards mentioned above, this credit card is also an annual free fee card.
====> You will earn 5X rewards points when you spent about $12500 for the first 6 months on gas, drugstore and grocery. You will also earn 1X points on other purchases using Wells Fargo Rewards® Card
====> Travel accident insurance along with travel and emergency assistance services
====> This credit card gives 0% Intro offer and balance transfer for the 15 months of opening your account
====> If you are unable to redeem your points after 5 good years, it will expire
====> Account protection features such as Zero Liability protection for promptly reported unauthorized transactions, card and account activity alerts, and cell phone protection
Wells Fargo Cash Wise Visa® Card
We are moving on, this time we want to look at Wells Fargo Cash Wise Visa® Card. It is another popular card issued by Wells Fargo. Check to look at what this Wells Fargo Credit card will offer its users.
====> You will enjoy unlimited 1.5% cashback on the purchase when you use this credit card
====> Your cash reward will not expire as long as your account is active
====> If you spent $500 within the first three months of opening your account, you will $150 cash back reward
====> The card offers 0% Intro APR on purchases and balance transfer for the first 15 months of opening your account
====> Account protections such as 24/7 Fraud Monitoring, Alerts, and Zero Liability protection for promptly reported unauthorized transactions
====> This credit card offers a $0 annual fee as other Wells Fargo Credit Cards mentioned in the article so far
====> Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card
Wells Fargo Business Secured Credit Card
We move to another Wells Fargo Credit Card, this time we will like to highlight what you benefit from using Wells Fargo Business Secured Credit Card.
This credit card is for business persons, it will accommodate most of what you need for your business. Here is what this credit card needs to offers the cardholders.
====> Like other credit cards has mentioned in the article, Wells Fargo Business Secured Credit Card is a zero annual credit card.
====> This credit card offer credit line between $500 and $2500. This is a huge amount of money, it is very good to boost your business
====> On every single dollar you’re spent, you get back 1.5% or you get 1point on every single dollar you spent
====> You will enjoy zero liability protection on your account and your card
====> You get up to 10 employee cards, this Wells Fargo Credit Card is great for your business
====> If you opt for points, you will receive 1000 bonus points when your company spends $1000 or more in any monthly billing period
Wells Fargo Platinum Card
This is another credit card issued by Wells Fargo, it is an amazing credit card. This credit card has a lot to offer the cardholders.
====> On this credit card, you will be able to access FICO credit score with Wells Fargo Online
====> This credit card is also an annual fee-free credit card. You don’t need to pay anything at the end of the year
====> On this credit card, you will enjoy 0% Intro APR for the first 18 months of opening your account for balance transfers and purchases
====> You can make use of this tool, My Money Map to help manage to spend and create a budget with ease
====> Account protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, and cell phone protection
====> Overdraft Protection by linking your credit card to your Wells Fargo checking account, finance charges apply
Wells Fargo Visa Signature® Card
This is the last but not the least Wells Fargo Credit Card. Like other Wells Fargo Cards mentioned in the article so far, this particular credit card has something to offer the users.
====> This credit is a zero annual fee credit card, you not pay anything at the end of the year
====> You will get more value for your rewards when redeemed for airfare, you get 50% value
====> Wells Fargo Visa Signature® Card gives you access to your FICO Credit score with Wells Fargo online
====> Travel accident insurance plus 24/7 travel and emergency assistance, roadside dispatch
====> On the credit card, you will earn 5X rewards points for the first 6 months on gas, drugstore purchases and grocery if you spent $12500.
====> You will also earn 1X points on all other purchases and points expires after 5 good years if not claim
====> Introductory 0% APR offers on purchases and balance transfers for 15 months from the date of account opening (balance transfer fee applies), then a variable APR applies
Wells Fargo Credit Cards Application Process
We have done justice to what Wells Fargo Cards can offer you, now you have decided to apply for the card of your choice. This part of the article will guide you through the step-by-step application process.
Step 1 ====> You need to visit Wells Fargo Credit Cards official application page
Step 2 ====> On the page, you need to scroll down to select the card of your choice
Step 3 ====> Now, click the apply now button under the selected Wells Fargo Card
Step 4 ====> After clicking the link, you will get the application form, provide your personal info, such as name, address, city, state, email among others and click on the continue button to proceed
Step 5 ====> Next page, you need to provide your finance information
Step 6 ====> After that, provide card option, you need to be careful here, make sure you provide the best
Step 7 ====> Finally, you need to review your application before click on the submit button. Once you do that, you have completed the Well Fargo Credit Card application process
How to Login to Wells Fargo Card Online Account
Now, we need to work on the login process of the Wells Fargo Credit Card. This process is simple and easy to go about. You only need to follow simple steps as we are about to explain in the article.
Step 1 ====> You need to visit the official login page
Step 2 ====> On the page, provide your login details (username and password) in the space provided
Step 3 ====> Check save username box to save your login details on the computer
Step 4 ====> Finally, click on the login button to access your Wells Fargo Credit Card online account
Once you provided the right login details, you should be able to access your online account.
How to Activate Wells Fargo Card
Without activation, WFCC remains an ordinary plastic card. Once you activate your card, you are ready to use it. You can easily activate Wells Fargo Credit Card either using URL Wellsfargo.com/activate or via the phone number or via the PIN at any Wells Fargo ATM.
Requirements to Activate WFCC
====> Before you can activate Wells Fargo card, you need the following materials at your disposal.
====> You must have register or create Wells Fargo account
====> Your Wells Fargo Credit Card must be with you
====> You need your registered number with the customer care, so call from the same number at 1 877 294 6933 in order to activate.
====> It is mandatory for the cardholders to dial from their registered number, during the process of activating the card or through the link, you got.
====> The cardholders also have the option of activating through Wells Fargo ATM where all you need to do is to use the Personal Identification Number. Here, you will be required to have your Pin with you.
Online Activation Process
This part of the article will run through the online activation process. the process is very simple and easy to about. Here we go:
Step 1 ====> You need to visit the official activation page or copy and paste wellsfargo.com/activate on your browser
Step 2 ====> Now login to your online account as explained above
Step 3 ====> After that, enter the following details in the space provided: Card number, Social Security Number, Card Expiry Date, and Card Holder Name
Step 4 ====> Finally, as part of the last step based on the information which you have entered correctly, you will now submit the request to wellsfargo.com/activate. You will be notified accordingly about the success of activation.
Phone Activation Process
This part of the article will run through Wells Fargo Credit Card activation via the phone number, here is what you need to do:
Step 1 ====> You need to call the customer service number 1 877 294 6933 on your mobile phone
Step 2 ====> You need to provide the accurate answer to question asked you via the call
Step 3 ====> The customer service representative will be able to assist you accordingly, as per your wish of activating via Phone call.
Step 4 ====> Additionally, if you have any queries, you will be able to get complete answers in order to cement your association with the entity.
Reset Login Details
Due to so many reasons you cannot even explain, you may forget your login details. What so ever the reason may be, this part of the article will guide you to reset Wells Fargo Credit Card online account lost login details.
Step 1 ====> You need to visit the official login page
Step 2 ====> On the page, locate and click on the links which say Create a new password or find your username
Create a New Password
If you click on the password link, on the next page, you need to enter your username or social Security Number in the space provided and click on the continue button. Follow the on-screen instruction to complete the process.
Find your Username
If you click on the Username link, you need to enter your Social security Number and Password in the space provided, click on the continue button. Now follow the on-screen guide to recover your username.
Wells Fargo Credit Card Payment
The Wells Fargo Credit Card Payment allows you to make a payment for bills online. Why should you use the Wells Cargo credit card payment?
First, you can download your credit card statement see your transaction details, thus us a great one. You will also get closer attention to the way you spent your money.
You pay bills automatically online using wells Fargo credit cards. You can schedule your payment, determine the amount to pay and when to pay. If you like, you can set up the auto-pay features and you will not be charged late penalty fees.
You can make your Wells Cargo credit card payment using three methods. You can choose automatic payments, online transfer, or pay bill method.
The automatic payment method enables your payments to be automatically deducted from your savings and checking accounts.
You may use the online transfer method when you want to make one-time and same-day payments. The method can still be used to make payments to your credit card account. You will need to do this early in case you need this reflect on your account the same day.
The Wells Fargo Card Payment: Bill Pay
The credit card payment method allows you to pay your bills in one arena by using the pay bill center. You have the option to go for one-time basis pay or recurring pay.
When you start with the pay bill credit card payment, you can schedule the payment, determine when the right time to pay.
One of the pros of the method is you pay your bill in quite a short time. You don’t need to write cheques or go through some bureaucratic payment procedures, you can keep track of all your payments and you can still utilize the bill pay on the mobile app to make payment.