The Wells Fargo is a personal credit card from Wells Fargo. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 19.99%, 25.74%, 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 $3,000 in purchases in the first 3 months. Rewards: 10 points per $1 on stays at participating Choice Hotels properties and on Choice Privileges point purchases; 5 points per $1 at gas stations, grocery stores, home improvement stores and on phone plan services; 1 point per $1 on other purchases; 30,000 bonus points each account anniversary. 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.