Wells Fargo Visa Signature® Card

For People with
Fair Credit



The Wells Fargo Visa Signature® card is a good rewards card. It offers a 0% introductory APR for the first 15 months on purchases, then a 14.49% – 27.99% variable APR after that.

This card lets you earn up to 50% more value from your points when you choose to redeem them for travel, with up to 5 full years to use all those points.

There is no annual fee for this card.

Card Quick Facts

Card Quick Facts

  • Earn 5 points for every $1 spent on gas, grocery, and drugstore net purchases (purchases minus returns and credits) for the first 6 months, then…
  • Earn 1 point for every $1 spent on all other purchases
  • 50% more value when redeemed for airfare ( 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption)
  • Pool rewards with other Go FarTM Rewards customers to reach a common goal
  • Take up to 5 full years to enjoy the points you earn
  • Free access to your FICO® Credit Score with Wells Fargo Online®

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • Earn 5X points for every $1 spent on gas, grocery, and drugstore purchases for the first 6 months, then…
  • Earn 1X point for every $1 spent on all other purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.49%–27.99% Variable
Intro Purchase APR 0% for 15 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 15 months
Regular Balance Transfer APR 14.49%–27.99% Variable
Balance Transfer Fee 3%, $5 minimum for 15 months then up to 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 25.99%–27.99% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • This card comes with Visa Signature Benefits

    Check your Guide to Benefits for more information.

  • Visa Signature® Luxury Hotel Collection

    Choose from over 900 luxury hotels around the world. Cardmembers receive the best available rate, automatic room upgrades (when available), complimentary in-room Wi-Fi (when available) and more.

  • Fraud Protection

    You will never be held responsible for unauthorized use of your card.

  • Overdraft Protection

    Link your card to your Wells Fargo business checking account to avoid overdraft fees.

  • Cellular Telephone Protection

    Protect your phone from theft or damage when you pay your bill with your card.

  • Rapid Alert

    Get alerted of suspicious activity.

  • Wells Fargo Credit Defense Platinum Service

    Options like fixed benefit payments if you experience involuntary unemployment, disability, or an overnight hospitalization.

  • Zero Fraud Liability

    You will never be held responsible for unauthorized use of your card as long as fraudulent transactions are reported promptly.

  • Verified by Visa

    Protection for online shopping.

  • Emergency Card Replacement & Cash Disbursement

    Protection for online shopping.

  • Price Protection

    Reimbursement, within sixty (60) days of purchase, for the difference between the price you paid for an eligible item and a lower advertised price for the same item

  • Purchase Security

    Items you purchase with your covered Visa card are protected in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions for the first ninety (90) days from the date of purchase

  • Warranty Manager Service with Extended Warranty Protection

    Extended Warranty Protection that extends the time period of the original manufacturer’s written U.S. repair warranty by one (1) additional year on eligible warranties of three (3) years or less when an eligible item is purchased entirely with your card.

  • Travel and Emergency Assistance

    You may call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Travel Accident Insurance

    Get reimbursed if you or a family member gets in an accident while traveling.

  • Roadside Assistance

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

  • Lost Luggage Reimbursement

    Reimbursement of carry-on luggage that is damaged or lost by the carrier, you and your immediate family are covered up to $3,000 per passenger.

  • Roadside Dispatch

    If you have a roadside emergency – anything from a tow or jumpstart to a tire change, lockout service, winching or gas delivery. Roadside service fees will be provided when you call and will be billed to your card.

  • Trip Cancellation / Interruption

    Purchase tickets with your eligible Visa card and you can receive reimbursement for the cost of your scheduled passenger fare for a covered trip in the event the trip must be canceled or interrupted due to covered reasons

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 0 reviews

The Insider

Ellen Sirull
How Marriott Bonvoy Credit Cards Can Get You More Free Stays
Ellen Sirull | May 20, 2019

There are three Marriott Bonvoy credit cards, offering perks like extra points, hotel status, free night stays, and annual travel credits.

Read More
John Ganotis
Metal Credit Cards You Can Get Right Now
John Ganotis | May 20, 2019

There are lots of metal credit cards available from a number of different credit card issuers. See what you can get now, and see how they stack up.

Read More
Brendan Harkness
The Best Credit Cards for Studying Abroad: Stay Safe and Save Money
Brendan Harkness | May 16, 2019

Be prepared before leaving to study abroad. How will you pay for food? How can you avoid fees? What about emergency expenses? Read our guide to get ready.

Read More