The Wells Fargo is a personal credit card from Wells Fargo. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 28.99% (new accounts) after a 0% introductory rate for 24 months. Rewards: Not applicable (store financing). Loan terms: 0% APR for 24 Months with Equal Payments. This product reports activity to your personal credit report. Pre-qualification available (soft pull)