CLF loans
CLF loan menu

Wells Fargo Credit Cards – Right For You?

wellsfargocreditcardsWells Fargo credit cards are not really much different than any other bank’s or lender’s credit cards, except that Well Fargo has a slightly wider selection for cards to choose from. List below are the 7 different cards available today.

Keep in mind when looking at this information in the chart below that you only get the APR shown for 6 months and then it’s variable. Not that this is a big surprise, because many banks do this, but beware – variable can mean they may crank your rates if you are late on a payment. No evidence of this but this is standard practice with allot of credit card offers.

  • The Rewards Card
  • The Cash Back Card
  • The Home rebate Card
  • The Platinum Card
  • Cash Back College Card
  • The College Card
  • The Secured Card

On all of the Wells Fargo cards they claim to have low APR (annual percentage rates), but as we all know – they all say that right? The thing to remember with Wells Fargo is that they have been a lender for a very long time.

One thing I have heard for sure is that their student credit cards are very good, fair, and flexible for most all students. Their rewards cards are “OK” as far as our research has discovered.

Our team at CLF does not make any money whatsoever from Wells Fargo so we would have to be called completely unbiased. We don’t promote any one banks credit card(s) and we won’t be doing that in the future either. In our opinion you should just find a card with a reasonable interest rate and PAY it back in FULL every month. Every month in full!

Below we have listed a throw together table showing all of the Wells Fargo Cards and what they offer to the individual.

Take note of the credit card they have for rebuilding a damaged credit rating (high FICO score). Really simple. You just deposit whatever cash you want into your card account, and then you can charge those funds when you really need a credit card. Usually when traveling, or ordering something online for a couple of obvious and common examples.

Our overall review is that Wells Fargo’s cards are sort of middle of road as far as APRs, rewards, and fees go. There are better cards with better companies, but there are worse. Sort of luke warm here.

I have a buddy who has a Platinum credit card from Wells Fargo, and he’s had it for over 7 years – he’s happy with it. However, keep in mind that he pays all his bills the minute they hit his mailbox.

Wells Fargo Credit Card Types and Info

Wells Fargo
Rewards Card
Wells Fargo
Cash BackSM Card
Wells Fargo
Home Rebate Card
Wells Fargo
Platinum Card
Wells Fargo
Cash Back College Card
Wells Fargo
College Card
Wells Fargo
Secured Card
Apply online – it’s quick and easy
Overview Earn rewards points on purchases1 Earn cash back on purchases2 Rebates help pay down your Wells Fargo Home Mortgage principal Simplicity, convenience, and great rates College students earn cash back on purchases as they build their credit3 College students enjoy a low rate as they build their credit3 For those looking to establish or rebuild credit4
Annual fee $0 $0 $0 $0 $0 $0 $18 a year
Annual Percentage Rate (APR) 0% for 6 months, as low as 10.65% variable after 0% for 6 months, as low as 10.65% variable after 0% for 6 months, as low as 10.65% variable after 0% – 5.9% for 6 or 9 months, as low as 8.65% variable after 7.9% – 13.9% for 6 months, as low as 15.65% variable after 5.9% for 6 months, as low as 11.65% variable after Variable 18.99%
APR applies to Purchasing and balance transfers Purchases only
  • Wells Fargo Online – Enjoy the convenience and security of online statements, email/mobile alerts, and 24/7 access to your accounts
  • Mobile Banking – Send a text to get your balance, sign on to transfer money or pay a bill, or find nearby ATMs
  • My Spending Report with Budget Watch – See exactly where your money goes and how much you have coming in each month
  • Card Design Studio service – Customize your card with a personal photo
clf spacer

Below Are Some Related Publications You May Find Interesting

Mortgaging The Future to Pay For the Past
Getting out (and staying out) of debt is such an important part of developing yo...
Assessing Bad Debt + Monthly Budgets [4]
Continued from [3] Now we need to discuss savings accounts a little bit. You ...
Your Spouse, Your Credit Cards, Your Debt, and You
There will come a time when you apply for a loan and your spouse's credit bureau...
Establishing Credit With Four Easy Steps
Finding credit needs to be approached as if you are trying to find a really good...
100% Cash Secured Credit Cards
At one time people were able to walk into a bank with $1000 in cash to secure th...
Divorce and Bankruptcy In LA (Dennis and Sandra)
Dennis and Sandra were married when they were 27 years old (Dennis was 28 actual...
Retail Banks Listing in Temecula California
Today we are creating our list of conventional banks in Temecula, Ca. These are ...
Wells Fargo Home Mortgage Loan - Angela in Santa Barbara Requires $250,000
Angela in Santa Barbara would like to be approved for a  $250,000 home mortgage ...

Do You Need a Personal Loan Approved Today? Use the comment form below to alert our lenders of your requirement - use your FIRST NAME ONLY for this initial pre-app loan request.

Use the comment box at the bottom of this page and tell us,

- how much you need to borrow
- what type of loan product you need
- what City and State you reside in
- what your credit score numbers are
- how quickly you need the loan

Your email is never made public, saved, or shared. Your privacy
is never compromised.

Unkind words will not be published.

Thanks for visiting ;-)

BELOW IS A LOAN CALCULATOR FOR CARRYING OUT SOME LOAN CALCULATIONS-------------------------------------------- Enter the loan amount, year of term, interest rate, and payment periods (14 for biweekly, 30 for monthly, 7 for weekly. Very helpful so you know exactly what the loan will cost you in interest payments and you will know the total COB (cost of borrowing).
Loan Amount:



Days between payments:
30 for a Month, 7 for Week
and 14 for Bi-Weekly. Easy!

When filling out your initial loan request, use FIRST NAME ONLY and NO PHONE NUMBERS please. This is for your privacy and security. Thank you for using!

Before you submit your pre-app MAKE SURE you first read the instructions here!

If you don't find a pre-app form at the bottom of this page that just means we're no longer taking applications here.

BUT NO PROBLEM! We've got you covered! You can apply on a different page. Follow these instructions closely please.

REMEMBER! As much detail in comment section WITHOUT revealing your identity at this time

Your email is never published nor shared. Required fields are marked *