It’s not just for business owners; everyone should have their own credit card. If you think that using a credit card is confusing, then take a look at a Wells Fargo secured credit card. Fargo’s cards are similar to any other credit card. But some of them give you more rewards and a low interest rate. Yup, using a credit card gives us rewards as well. These rewards are in the form of pints. Let’s explore everything about Wells Fargo secured credit cards in 2023.
Can I check my credit card application status?
Of course, you can check your Wells Fargo credit card application status. There are two ways. You can either check online or call (800) 967-9521. Recently, my mother applied for a Wells Cardo credit card. It’s still pending, but I can check its status online through the Wells Fargo sign in option.
Types of Wells Fargo Credit Cards of 2023
You may think the Wells Fargo card does not give better options for everyday use, but the Wells Fargo secured credit card perfectly aligns with my financial goals. Because it isn’t like any other bank. It will give you pretty good reasons to have it as your credit card. Let’s start discussing that, along with its types.
There are many types of best Wells Fargo credit cards, but I have listed some of the most popular ones in 2023.
- Wells Fargo Active Cash® Card
- Bilt Mastercard®
- Wells Fargo Reflect® Card
- Wells Fargo student credit card
- Wells Fargo Propel
- Choice Privileges® Select Mastercard®
- Wells Fargo Autograph℠ Card
Wells Fargo Active Cash® Card
This card came in 2021. Remember, it talked about how it would give you a reason to use it as your credit card? Well, here comes the one. An active cash card gives us 2% cash back on anything that we can buy. Don’t you think it’s a compelling reason?
If you aren’t satisfied there yet, then how about a zero annual fee? Yep, the Wells Fargo Active Cash® Card does not ask for an annual fee. Additionally, when we buy something with this card, we receive 2% cash back. Not just that, we get a bonus when we use it for the first time.
When we first get this card, we do not have to pay interest on new items. But this is just for a fixed time.
Wells Fargo’s other cards give more rewards if we use them for groceries and restaurants.
Therefore, if you prefer using only one card, your rewards could be minimal.
But if you like to have many Fargo cards, you can get many rewards.
$0 annual fee
As a premium credit card holder, I know almost all premium cards have an annual fee. Which is a headache sometimes. But this card charges a zero annual fee, which is why you might want to consider it.
Bilt Mastercard®
If you love to travel, then this card could be a good fit for you.
The Bilt Mastercard® is especially for people who are always on the run. When you pay for your rented room while traveling, you earn points on a Bit Mastercard. And you don’t want to pay any extra changes. From my experience, I know that with other debit cards, we usually pay extra, for example, when paying for rent.
Read: How To Transfer Money From Apple Pay To A Debit Card
Rent Day Bonus
One of the best things about Bilt’s rewards card is its Rent Day bonus points.
Except for rent, we can double our points on all purchases. Yup, it’s possible for 24 hours on every first day of the month. The maximum number of bonus points we can earn is 10,000.
For example
- When I go out to eat something and pay with my card, I get 6 times more points. While on normal days, I only get points.
- Similarly, for your travel expenses, you get 4 times more points instead of the usual 2 times.
- For everything else you buy (except rent), you get 2 times more points instead of the usual 1 time.
Wells Fargo Reflect® Card
This Wells Fargo secured credit card gives us a generous timeframe to manage our debts. Or we can fund it as a purchase without incurring interest charges. Nevertheless, it doesn’t offer substantial ongoing value.
Here’s what you should know about the Reflect Card:
| Reflect® Card | |
|---|---|
| Credit Card Type | Designed for Balance Transfers |
| Annual Fee | $0 |
| Sign-up Bonus | Not Applicable |
| Rewards Program | None |
| APR | Features a 0% APR for 21 months from the 1st day of account |
There is one thing you should remember, even though keeping this card might help your credit history. But you’ll have to pay its regular interest rate when the card’s special offer ends. This interest rate will apply to any balance from the interest-free period and any other purchases.
Wells Fargo Autograph℠ Card
If you love to go out more often, then this card also gives you a reason to be on your own. We get points every time we use them while traveling.
For regular use, it also fits well in everyday spending categories. Because it offers rewards, a welcome bonus, and lowers interest rates in the beginning.
For more Rewards
To get more rewards, you can use this card for daily purchases. You know what’s more interesting? Just reward: 3 points are equal to one dollar.
You can easily do this by setting your Wells Fargo Autograph as your go-to credit card payment method for expenses. You don’t have to pay in person, especially when they fit into the card’s bonus categories.
However, to have the extra perks of travel, you have to pay more for the card.
Choice Privileges® Select Mastercard®
If you are fond of staying at hotels, here’s another reason for you to think of owning a Wells Fargo secured credit card.
For the first year, this card doesn’t charge an annual fee. But when one year is complete, you’re required to pay $95 as an annual fee.
This card shows its generosity by giving you a bonus of 90,000 points when you spend $3,000 on any purchase. But it is only possible if you spend it within 3 months of opening your account.
Besides these bonuses, this card also offers beneficial features such as cellphone protection, the absence of foreign transaction fees, and reimbursement for TSA PreCheck.Nonetheless, the standard APR, varies between 20.99%, 25.24%, or 29.99% for both purchases and balance transfers. It may not be suitable for individuals who maintain a monthly balance.
Wells Fargo Credit Card (FAQ)
How to increase Well Fargo’s credit card limit?
You can call Wells Fargo credit card customer service at 1-800-642-4720. I just wanted to have a discussion with someone about getting more credit.
How do I cancel a Wells Fargo credit card?
You cannot cancel it using a Wells Fargo credit card login.
So, do not go to the Wells Fargo login. Whether they are deposit accounts or credit cards. To close a Wells Fargo secured credit card, you need to call 1-800-642-4720. Then, talk to a representative to request the account closure.
What does Wells Fargo credit card pre-approval mean?
Getting preapproval for a Wells Fargo secured credit card means that the bank has reviewed your personal and financial information and determined that you qualify for a credit card.
What is overdraft protection at Wells Fargo?
By signing up for Overdraft Protection, you can avoid the hassle of declined transactions or bounced checks. To do this, link your Wells Fargo secured credit card to your Wells Fargo personal checking account.
Who owns Wells Fargo?
In 1998, after making a series of assessments, Wells Fargo Bank was acquired by Norwest Corporation. Together, they decided to go by the name of the merged company.
Who is Shankar Mishra Wells Fargo?
Before he lost his job at Wells Fargo, Shankar Mishra worked in their Mumbai office as the Vice President of Operations for India.
How do I sign in to a Wells Fargo account?
When you go to the Wells Fargo website, look on the left side. You’ll see a place to log in to your account. All you have to do is type in your name and pin. And you’ll be able to do the Wells Fargo sign-in.
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