A guide to the Wells Fargo Go Far Rewards program
How to earn Go Far Rewards and maximize their valueRead More
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All information about Wells Fargo Cards and Citi Simplicity® Card have been collected independently by CreditCards.com and has not been reviewed by the issuer.
With a vibrant history and competitive financial products, Wells Fargo is among the banking leaders in the United States and world. This 166-year-old bank offers commercial and personal banking services alike, including a suite of credit card products sure to please. Here, we look at the cards we offer on our site, the bank’s storied history, and its rewards and benefits:
With the iconic six-horse stagecoach as its logo, Wells Fargo’s history is perhaps the best known of the United States’ “Big Four” banks.
Since 1852, Wells Fargo has grown with what would become the Western U.S. to today serve customers throughout the nation. Stagecoaches, ponies, steamships and the internet have all served as transportation of assets for what is today the third largest bank in the country.
|1852||Henry Wells and William Fargo found Wells, Fargo & Co., opening in San Francisco to serve the West in valuable deliveries and banking, including gold gleaned from the California Gold Rush and other assets, by stagecoach, steamship, railroad and pony.|
|1861||Wells Fargo takes over the western leg of the famous – but short-lived – Pony Express.|
|1888||The Ocean-to-Ocean campaign begins after the Transcontinental Railroad launches in 1869, connecting 2,500 communities in 25 states. The Over-the-Seas campaign highlights the company’s international efforts.|
|1905||The San Francisco-based bank separates from Wells Fargo & Co. Express. A year later, the bank survives the 1906 San Francisco earthquake and fire. Bank President I.W. Hellman telegraphs: “Building Destroyed, Vault Intact, Credit Unaffected.”|
|1923||Wells Fargo comes to be known as a “banker’s bank” that would survive the Great Depression 10 years later.|
|1960s||Bank expands into a regional California bank.|
|1980s||Bank becomes the seventh largest bank in U.S.|
|1990s||Bank expands into the West, Midwest and East, as in its beginnings.|
|Today||Wells Fargo serves as the third biggest bank in the U.S. with $1.95 trillion in assets.|
Wells Fargo’s operations include personal, small business and commercial services. Here are some of the services it offers.
From auto dealerships to waste and recycling, Wells Fargo has extensive experience in the commercial sphere. Services include commercial financing, real estate and trust services, as well as international services and investment banking.
Realistically speaking, this is far and away the best credit card offered by Wells Fargo in terms of pure value and arguably the best travel credit card with no annual fee. While the Cash Wise offers a very respectable sign-up bonus, the Propel’s own bonus offer upstages it by a substantial margin. Likewise for rewards, where the Propel’s 3X points per dollar in extremely attractive categories is simply in a league of its own. Unlike the other two Wells Fargo cards, the Propel charges no foreign transaction fee, making it the clear choice for travel abroad.
The Cash Wise offers the added advantage of 1.8% back on qualified digital wallet purchases, such as through Apple Pay® and Google Pay™, during the first 12 months after opening your account.
The Platinum card boasts one of the most generous 0% APR offers on the market, hands down, all with no annual fee. With an 18-month 0% intro APR for both purchases and qualifying balance transfers (then 15.49% – 24.99% variable rate will apply), this card is tough to beat. And its more reasonable intro balance transfer fee of 3% ($5 minimum) for 120 days makes it a wise choice for higher transfers (after that, it’s 5% for each balance transfer, minimum of $5). Keep in mind that you have to perform balance transfers within 120 days in order to enjoy the intro rates and fees. Here’s a comparison of the Platinum with the Citi Simplicity® Card, assuming the BT and purchases would otherwise have 17% APR with a minimum payment:
|Card||Wells Fargo Platinum card||Citi Simplicity® Card|
|BT balance||$3,000 / 0% 18 mths||***$3,000 / 0% 21 mths|
|Interest saved on BT||$2,241||$2,614|
|Purchase balance||$1,000 / 0% 18 mths||***$1,000 / 0% 12 mths|
|Interest saved on purchases||$451||$301|
|BT fee||$3,000 * 3% = $90||$3,000 * 5% = $150|
|Money saved end of first year||$2,241 + $451 – 90 = $2,602||$2,614 + $301 – $150 = $2,765|
***Then 14.74%-24.74% variable thereafter
Whether you have a big trip planned or you are making daily purchases at your local Starbucks, you can earn rewards that can be redeemed for that next trip, gift cards and more. Here’s how the Wells Fargo Go Far Rewards program works.
The Go Far Rewards from Wells Fargo allow you to earn by shopping, booking travel and taking advantage of special offers.
Through the Earn More Mall, you can shop with retailers and earn up to 10X bonus rewards on purchases you make. You can also book travel, earning rewards when you book through the Go Far Rewards site with your Wells Fargo rewards card.
You can redeem your rewards for travel, a gift card, merchandise or download music and eBooks from Digital Downloads.
You can also share rewards with family, friends and others who are Wells Fargo customers. You can also give your rewards to charity.
Cash rewards do not expire as long as your account remains open. You can use Cash Track, a new online tool to set a cash redemption target and follow your cash rewards earnings progress.
Cash redemption options include:
You can redeem via desktop, mobile, phone, ATM, or in a branch, although cash redemption options available may vary.
From the famous cellphone protection to auto rental collision damage waivers, the Wells Fargo cards offer respectable benefits. Here are what the Cash Wise and Platinum cards offer.
With the Cash Wise, you can get 24/7 fraud monitoring; zero liability protection, which protects you from unauthorized transactions when you report them promptly; chip technology; and Rapid Alerts to track purchases and receive notifications of irregular or suspicious activity.
Also, you’ll get:
This card offers such features as zero liability protection, overdraft protection, Rapid Alerts, and My Money Map, which you can use to manage spending and create a budget. You also have access to your free FICO score. Also, with this card, you’ll get:
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