Wells Fargo 0% Intro APR Credit Cards (2024)

Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply Now on this page to take advantage of this specific offer.

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This offer is not a guarantee of credit. Credit card is subject to credit qualification.

You may not qualify for an additional Wells Fargo-branded credit card if you have opened a Wells Fargo-branded credit card in the last 6 months.

Footnote 1. 2% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for details. ←back to content

Footnote 2. To qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for more information about the rewards program. ←back to content

Footnote 6. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose VISA® merchant code is classified as: Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages. Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Dining: eating places and restaurants, drinking places, fast food restaurants, and/or caterers. Phone plans: landline and cell phone providers considered telecommunication services. Popular streaming services: cable and other pay television, digital goods, books, movies, music, and continuity/subscription services, as listed at: wellsfargo.com/autographstreaming. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the VISA category codes listed above refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for details. ←back to content

Footnote 7. To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for more information about the rewards program. ←back to content

Footnote 8. To qualify for the $100 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The cash rewards bonus will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, balance transfers, SUPERCHECKS, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers do not earn cash rewards. Refer to Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Attune World Elite Mastercard® Addendum for more information about the rewards program.

Additionally, for applications submitted between June 5, 2024, and May 31, 2025, and subsequently approved, Wells Fargo will donate $50 to Capital Link when you qualify for the $100 bonus cash rewards. Wells Fargo will donate a minimum of $250,000 to Capital Link to support Federally Qualified Health Centers and clean energy resiliency programs designed to ensure continuity of medical services for patients during and after extreme weather events. Donations from this campaign are not tax deductible. Learn more about Capital Link at www.caplink.org. ←back to content

Footnote 9. 4% cash rewards (1% base plus 3% bonus) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant category codes include: Select Sports, Recreation, and Entertainment (gardening and floral stores, campgrounds, sports supplies, movie theaters, live shows and sporting events, amusem*nt parks, tourist attractions, and pet supplies, boarding, and grooming); Self-care (gym memberships, massages, hair and nail salons) and Planet-Friendly purchases (public transportation, electric vehicle charging stations and secondhand stores). Purchases not processed using the merchant category codes mentioned above will not qualify for bonus cash rewards. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus cash rewards. Other purchases: 1% cash rewards will be earned per $1 spent on other net purchases. Cash equivalents do not earn cash rewards. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the merchant category codes listed above, refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Attune World Elite Mastercard® Addendum for more information about the rewards program. Refer to http://www.wellsfargo.com/attunebonus for more details on eligible purchases that qualify for the above bonus cash rewards. ←back to content

Footnote 18. To qualify for the $500 cash rewards bonus, a total of at least $5,000 in qualifying purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances of any kind do not earn rewards and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, wire transfers, fees or interest posted to your card account such as late fees, foreign currency conversion fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn cash rewards. Refer to the Summary of the Wells Fargo Business Rewards Program Terms and Conditions for the Signify Business Cashservice mark℠ Credit Card for more information about the rewards program. ←back to content

Footnote 19. 2% cash rewards are earned for every $1 spent in qualifying purchases (purchases minus returns/credits) on the credit card account. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, wire transfers, fees or interest posted to your card account such as late fees, foreign currency conversion fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn cash rewards. Refer to the Summary of the Wells Fargo Business Rewards Program Terms and Conditions for the Signify Business Cashservice mark℠ Credit Card for further details. ←back to content

LRC-0524

Wells Fargo 0% Intro APR Credit Cards (2024)

FAQs

Is it better to have 0% intro APR or no annual fee? ›

A 0% APR credit card can work better for you if you plan on making a large purchase and don't anticipate paying the balance anytime soon. However, if you plan on paying the balance in full after each billing cycle and want to minimize costs, then a no annual fee card would be recommended.

What's the catch with cards that offer a 0% introductory APR? ›

These cards typically come with a balance transfer fee, and you risk losing the 0 percent intro APR if you're late with a payment. If you can't pay off what you transfer before the intro period ends, you'll pay much higher interest on the remaining balance.

Why might 0% APR not be good for your credit? ›

Carrying higher balances after introductory offer expires

Carrying high balances on a 0 percent intro APR card might cause short-term damage to your credit score — but carrying those balances after the introductory APR expires creates a long-term problem.

Is it hard to get approved for Wells Fargo credit card? ›

It may be hard to get approved for the Wells Fargo Active Cash card if your credit score isn't at least 670 or higher. While there's no strict minimum requirement, the card typically approves those with a credit score within the good to excellent range.

Is there a catch to 0% APR? ›

Be careful since the loan conditions are constructed such that they can charge you a higher rate on the initial loan amount if you don't pay the loan back on time or within the given term. The loan durations are much shorter when using zero percent financing, which increases the monthly vehicle payments.

What happens when your 0% intro APR period ends? ›

The bottom line

When your intro APR ends, your credit card's regular APR will kick in on any remaining balance and new balances.

Why should you avoid 0% interest? ›

Avoiding interest is always a good goal, but zero-interest loans can lead buyers to overspend and come with a lot of strings attached. Carefully evaluate your purchase—is this what you intended to buy, and will you realistically pay off the loan within the given time?

Do 0% credit cards hurt credit score? ›

This is where charging large purchases to a 0% intro APR credit card could cause some trouble. Sure, you may not pay interest for a limited period. But you'll bring up your credit utilization, effectively bringing down your score. The damage isn't permanent, but it could affect your personal finances in the short term.

Does 0% APR really mean no interest? ›

What Does 0% APR Mean? Spelled out, APR means annual percentage rate. In the context of a credit card, the APR is the same as the interest rate. “Zero percent APR” means no interest is being charged.

What is the easiest Wells Fargo card to get? ›

One of the easiest Wells Fargo credit cards to get is the Dillard's Store Card because you only need fair credit (a credit score of 640+) to be approved. Most Wells Fargo credit cards aren't that easy to obtain since they require good or excellent credit (a credit score of 700+) for approval.

Does Wells Fargo approve immediately? ›

Once you apply online you will receive an application ID and a phone number you may call to check the status of your application if you are not instantly approved. If you are not instantly approved, we will mail you a credit decision within 5 to 7 business days.

Does Wells Fargo have a 5/24 rule? ›

Although Wells Fargo does not have a 5/24 rule, it does put some limits on how often you can open an account.

Is it better to have a higher APR or an annual fee? ›

a high APR card with no annual fees largely depends on how you use your card. If you pay off your balances on a monthly basis, you don't get charged any interest, therefore there's little to no reason to pay an annual fee. A credit card with a relatively high APR and no annual fees would be ideal here.

Is it better to have no annual fee or low interest? ›

If you tend to carry a card balance, you should aim to minimize interest expenses by using a low-interest rate card. You may have to pay an annual fee in exchange for the low rate but may save more in interest expense during the year than the cost of the annual fee.

Is no annual fee always a good thing? ›

Many of these cards offer competitive rewards programs and perks, so you can still enjoy the benefits of using a credit card without worrying about an extra cost. But even if cost isn't a concern, a no-annual-fee card can be an excellent addition to your wallet, helping you optimize your rewards strategy.

How do I take advantage of 0% intro APR? ›

If you're using the 0 APR card to transfer a balance then you'll want to make any balance transfers before the deadline to take advantage of the offer, which is typically 30 to 120 days after your card is issued. If you transfer the balance after that point, you'll pay the regular interest rate.

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