The Wells Fargo is a personal credit card from Wells Fargo. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 19.99%, 24.74%, 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: 60,000 bonus points when you spend $1,000 in purchases in the first 3 months. Rewards: 5 points per $1 on stays at participating Choice Hotels properties and on Choice Privileges point purchases; 3 points per $1 at gas stations, grocery stores, home improvement stores and on phone plan services; 1 point per $1 on other purchases. Typical credit limit: Minimum credit limit $1,000. 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.