The Wells Fargo is a personal credit card from Wells Fargo. Application typically pulls a hard report from Experian. The annual fee is $99. The ongoing APR is 18.74%, 23.74%, or 28.74% variable, based on creditworthiness, for purchases and balance transfers (terms correct as of September 2026) after a No introductory APR introductory rate. Signup bonus: $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months. Rewards: 3% in OneKeyCash on Expedia, Hotels.com and Vrbo bookings; 3% at gas stations, grocery stores and on dining; 2% on other purchases; $100 in OneKeyCash each cardholder anniversary (OneKeyCash usable only on Expedia, Hotels.com and Vrbo). Typical credit limit: Minimum credit limit $1,500. Loan terms: Revolving; due date at least 25 days after the close of each billing period; no interest on purchases if the entire adjusted balance is paid by the due date.