Wells Fargo Visa Signature Card Review

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Wells Fargo® Visa Signature® Credit Card
Good for Intro Offer

Wells Fargo® Visa Signature® Credit Card

Learn more externa link icon at our partner’s secure site
Rewards rate:

5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months. Earn 1X rewards points per dollar on all other net purchases every day.

  • Intro bonus: No current offer
  • Annual fee: $0
  • Regular APR: 12.49% – 25.49% (Variable)
  • Recommended credit score: 740-850 (Excellent)

The Wells Fargo Visa Signature card offers a high-value welcome bonus based on tiered rewards points in a few different categories, and has no annual fee. Its long-term rewards value isn’t great, but you’ll get a few extra ongoing perks from the Visa Signature program. 

At a Glance

  • 5x rewards points on up to $12,500 spend on gas, grocery, and drugstore purchases for the first 6 months
  • 1x points on other purchases. 
  • 0% APR on purchases and balance transfers for 15 months from the date of account opening
  • Ongoing variable APR from 12.49% to 25.49%
  • No annual fee

Pros

  • Tiered rewards structure

  • No annual fee

  • Introductory 0% APR on purchases and balance transfers

  • Points have 50% more value when redeemed for airfare

Cons

  • 5x rewards only apply for six months

  • Points expire after 5 years

  • Spending cap for points earned

Additional Card Details

With this card, you’ll have access to Visa Signature travel protections and other benefits. These include trip cancellation protection, travel accident insurance, 24/7 travel and emergency assistance, lost luggage reimbursement, emergency card replacement and cash disbursement, auto rental collision coverage, and hotel benefits with the Visa Signature Luxury Hotel Collection. 

There are some valuable purchase protections, too. You’ll get access to one-year extended warranties on eligible purchases and up to $250 price protection reimbursements for eligible items (maximum $1,000 per year). When you pay your monthly cellphone bill with this card, you’ll receive cellphone protection worth up to $600 per claim (after a $25 deductible) if your phone is damaged or stolen. 

Should You Get this Card?

This card’s biggest draw is its high-value bonus within the first six months from account opening. During that time, you’ll earn 5x points on gas, grocery, and drugstore purchases — on up to $12,500 in combined purchases. This card earns points toward Wells Fargo’s Go Far Rewards program.

Make sure these rewards line up with your personal spending habits and redemption preferences before applying. If you meet the $12,500 cap (about $2,083 in rewards categories per month), you can earn a total 62,500 points in that time, worth $625 in cash or $937 in airfare. 

But beyond those initial points, this card offers limited value. It can be worth keeping in your wallet if you benefit from the Visa Signature perks, especially since there’s no annual fee — many other Visa Signature cards charge annual fees of $95 or more. But there are plenty of other rewards credit cards that earn more than 1x points per dollar. If you’re looking to maximize your spending with points or cash back over time, this may not be the card for you. 

How to Use Wells Fargo Visa Signature Card

Maximizing this card’s value depends a lot on how you use it during the six months after account opening. The elevated 5x points bonus on gas, grocery, and drugstore purchases only applies for those first six months (or until you reach the $12,500 spending cap). 

During that intro period, make sure you use your card every time you fill up the tank or make purchases at drugstores and grocery stores. After those six months, you’ll earn 1x points on every purchase. 

After the initial 5x rewards boost, you can continue to gain value from this card with its Visa Signature perks. Take advantage of the travel protections when it’s safe to travel again, save on bookings with Visa Signature Luxury Hotel Collection, and enjoy purchase protections on your charges.

Put your points toward airfare to get the most value for them: They’re worth 50% more when used to book airfare through Go Far Rewards. You can also choose to redeem points for cash, gift cards, and other travel spending (without the 50% boost). 

This card also offers an introductory 0% APR on balance transfers and purchases for 15 months after account opening, if you need to settle a lingering balance or pay off a large upcoming purchase. However, using this card as a balance transfer tool may hinder your rewards earn, since the 5x rewards bonus only lasts for six months. Pay down any existing debts before applying for this card and establish a plan to pay your balances in full each month, so you can benefit from those bonus rewards without taking on high-interest debt. 

Wells Fargo Visa Signature Compared to Other Cards

Wells Fargo® Visa Signature® Credit Card

Wells Fargo® Visa Signature® Credit Card

  • Intro bonus:
    No current offer
  • Annual fee:
    $0
  • Regular APR:
    12.49% – 25.49% (Variable)
  • Recommended credit:
    740-850 (Excellent)
  • Learn more externa link icon at our partner’s secure site
Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • Intro bonus:
    $200
  • Annual fee:
    $0
  • Regular APR:
    14.99% – 23.74% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site
Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Intro bonus:
    $200
  • Annual fee:
    $0
  • Regular APR:
    13.99%-23.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site

Bottom Line

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

The Wells Fargo Visa Signature Card offers valuable 5x points rewards for six months. With the 50% boost you’ll get by redeeming points for airfare, you can earn up to $937 toward future flights in that time. Still, beyond ongoing Visa Signature benefits, you’ll earn just 1 point per dollar with this card long-term. If you’re looking for a rewards card with no annual fee, you can find better rewards rates and benefits elsewhere. 

Frequently Asked Questions

Does Wells Fargo Visa Signature have an annual fee?

No, the Wells Fargo Visa Signature Card does not have an annual fee, unlike many other Visa Signature cards.

Does Wells Fargo Visa Signature charge a foreign transaction fee?

This card charges a foreign currency conversion fee of 3%.

What credit score do I need to get the Wells Fargo Visa Signature?

You’ll need excellent credit, (740-850) for the best chances of approval for the Wells Fargo Visa Signature card.