Wells Fargo Rewards Visa

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at issuer’s secured site
good credit
intro purchase APR 0% for 15 monthsregular APR12.40 - 26.24% (V)
intro BT APR 0% for 15 months 3% BT fee/5% after 15 months
rewards 1x, 5x points per dollar 5x for 6 months
  • earn 5x points for gas, grocery and drugstore purchases in the first 6 months
  • 1 point per dollar on all purchases then

 

no annual fee

5x points for 6 months

Editors Review

Pros

  • no annual fee
  • 15 months 0% intro APR on purchases and balance transfers
  • 5x points on gas, groceries and drugstore purchases for limited 6 months 

Cons

  • 1x regular rewards rate after 6 months
  • 3% foreign transaction fee
  • no sign up bonus

Verdict

Not an exceptional card by any means. Rewards at 5x rate look great but it is limited by category: gas, drugstore and groceries and by time - this high rate applies only to the first 6 months of the account. After 6 months pass, you are left with a mediocre 1x rewards rate on all your purchases. No annual fee is great, but no sign up bonuses or spending bonuses makes me yawn.

You can find better cards for everyday shopping - Discover it, Chase Freedom and more.

 

Last updated: 12/24/2015


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