Flat 2% cash rewards on everything, no annual fee, and 12 months of 0% intro APR on purchases and transfers.
Rates, fees and offers
- Regular APR
- 18.74%–28.74% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers.
- Balance transfer fee
- See Wells Fargo Important Credit Terms
- Rewards
- Unlimited 2% cash rewards on every purchase.
- Welcome offer
- $100 cash rewards bonus after $500 in purchases in the first 3 months.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Wells Fargo does not publish a payment mailing address: use the address and instructions on your monthly statement. To start a dispute call 1-800-642-4720; for questions about a dispute you have already filed call 1-800-390-0533.
A simple one-card setup for people who don't want to track categories.
Paying and contacting Wells Fargo
- Pay online
- www.wellsfargo.com
- Customer service
- 1-800-642-4720 · 24 hours a day, 7 days a week
- Pay by mail
-
Wells Fargo Card Services
P.O. Box 51193
Los Angeles, CA 90051-5493Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
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