Wells Fargo 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
The source states this figure; we have no exact sentence on file yet.
- 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 | $340 | $240 |
| Typical spender | $700 | $600 |
| Heavy spender | $1,420 | $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 10, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our No annual fee list (see the list).
- Worth more to a typical spender than about 100% of the 647 cards we track.
- Lower top APR than about 30% of the 119 cards on our Sign-up bonuses list (see the list).
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.
- Smaller than about 95% of the 36 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
Spending it takes$167 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
Before you apply
- 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).
- 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)
- The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.
How you earn · Wells Fargo Rewards®
- 2%Everything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| 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 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagewellsfargo.com “Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening.” |
| Cash advance APR | Issuer's pagewellsfargo.com “29.74%” |
| Cash advance fee | Issuer's pagewellsfargo.com “Either $10 or 5% of the amount of each advance, whichever is greater.” |
| Late payment | Issuer's pagewellsfargo.com “Up to $40” |
| Foreign transactions | Issuer's pagewellsfargo.com “There is a 3% fee for each foreign transaction amount converted to U.S. dollars.” |
| Grace period | Issuer's pagewellsfargo.com “Subject to a $25 deductible 6 .” |
| Minimum interest charge | Issuer's pagewellsfargo.com The source states this figure; we have no exact sentence on file yet. |
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?
- 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 Sep 29, 2026
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$10 a year
- Credit One Bank Omni RewardsCredit One · No annual feeabout the same
- EvergreenFNBO · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).