No-fee 3x points on restaurants, travel, gas, transit, streaming and phone plans.
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.
- Balance transfer fee
- See Wells Fargo Important Credit Terms
- Rewards
- 3x points on restaurants, travel, gas and transit, popular streaming services and phone plans; 1x everything else.
- Welcome offer
- 20,000 bonus points after $1,000 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.
The 0% intro APR covers purchases only (12 months).
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.
See all Wells Fargo cards → · Search all cards
Debt Sunset is not affiliated with or paid by any card issuer, and this page is not financial advice. Card names and art belong to their owners. See our Financial Disclaimer.