Cash Back Credit Card
$100 cash rewards after you spend $500 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagewellsfargo.com
“Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.”
- Annual fee
- Issuer's pagewellsfargo.com
“$0 annual fee”
- Purchase APR
- Issuer's pagewellsfargo.com
“After that your variable APR will be 18.74%, 24.74% or 28.74%.”
- Foreign transaction fee
- Issuer's pagewellsfargo.com
“There is a 3% fee for each foreign transaction amount converted to U.S. dollars.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $240 | $240 |
| Typical spender | $600 | $600 |
| Heavy spender | $1,320 | $1,320 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$100 cash
After you spend $500 on purchases in your first 3 months.
The purchases must post to the account within 3 months from the date the account is opened. The bonus cash rewards will show as redeemable within 60 days after they are earned. This offer may differ by marketing channel and is subject to applicable exclusions.
Spending it takes$167 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · Wells Fargo Rewards®
- 2%Everything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$0 annual fee” |
|---|---|
| Purchase APR | Issuer's pagewellsfargo.com “After that your variable APR will be 18.74%, 24.74% or 28.74%.” |
| Intro APR | Issuer's pagewellsfargo.com “0% intro APR for 12 months from account opening on purchases and qualifying balance transfers.” |
| Balance transfer APR | Issuer's pagewellsfargo.com “0% intro APR for 12 months from account opening on purchases and qualifying balance transfers.” |
| Foreign transactions | Issuer's pagewellsfargo.com “There is a 3% fee for each foreign transaction amount converted to U.S. dollars.” |
Carrying a balance? See how long it takes to pay off
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.
- Cell phone: $600 per approved claim; maximum of two paid claims per 12-month period
- Rental car: A maximum benefit amount applies; the document does not state the amount.
- Emergency assistance
- Roadside
Questions
- What is the annual fee?
- $0 wellsfargo.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each foreign transaction amount converted to U.S. dollars. wellsfargo.com, since Sep 29, 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 account opening on purchases and qualifying balance transfers. wellsfargo.com, since Sep 29, 2026
- Is there a welcome bonus?
- $100 cash back after $500 in purchases in 3 months. wellsfargo.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$110 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$50 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$25 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).