0% intro APR credit cards

A 0% intro APR credit card from Wells Fargo allows you to use your low intro APR to help pay for unexpected expenses or big-ticket purchases. Enjoy low intro APR on purchases during the eligibility period.

0% intro APR credit cards

A 0% intro APR credit card from Wells Fargo allows you to use your low intro APR to help pay for unexpected expenses or big-ticket purchases. Enjoy low intro APR on purchases during the eligibility period.

Choose the credit card that fits your life

0% intro APR (4)

Balance transfer (2)

No annual fee (6)

Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch.
You must select Apply now to take advantage of these offers.

Wells Fargo Reflect® Card

Reflect® Card

Enjoy our lowest intro APR for 21 months

APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 28.24% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.

Annual fee

Important Credit Terms

Wells Fargo Active Cash® Card

Active Cash® Card

Earn unlimited 2% cash rewards on purchases¹

Intro offer

$200 cash rewards bonus when you spend $500 in purchases in the first 3 months²

Rewards

Unlimited 2% cash rewards on purchases¹

Annual fee

APR

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49% or 28.49% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.

Important Credit Terms

Wells Fargo Autograph® Card

Autograph® Card

Earn 3X points for many ways to keep life in motion³

Intro offer

Earn 20,000 bonus points when you spend $1,000 in purchases within the first 3 months⁴

Rewards

Unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans³

1X points on other purchases³

Annual fee

APR

0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49% or 28.49% variable APR thereafter.

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Autograph credit cards

Important Credit Terms

Explore our business credit card

Wells Fargo Signify Business Cash® Card

Signify Business Cash® Card

Boost your business’s purchasing power

Intro offer

$500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months⁵

Rewards

Unlimited 2% cash rewards on purchases made for your business with no categories to track, and no limit to the amount of rewards you can earn⁶

Annual fee

APR

0% intro APR for 12 months from account opening on purchases. 16.74% - 24.74% variable APR thereafter.

Important Credit Terms

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0% Intro APR Credit Cards FAQs

The credit card’s terms will specify how the 0% intro APR applies to your account. This is why it’s important to check your credit card offers carefully, including 0% intro APR offers. In some cases, a 0% intro APR may apply to purchases and balance transfers, but some cards may provide only one of those offers. The 0% APR balance transfer offer may also only apply if you initiate the transfer within a certain time frame, such as in the first three months of opening the account.

Other things you need to know

Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply now to take advantage of these offers.

View credit cardholder agreements

View business credit cardholder agreements

This offer is not a guarantee of credit. Credit card is subject to credit qualification.

Each credit card product has its own eligibility requirements. Select the ‘Learn More’ button for the credit card product you are interested in for further details.

1. 2% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. “Purchases” that do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advances), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers), balance transfers, SUPERCHECKS; disputes, illegal actions and violations; off-track wagers, lottery tickets, or bets or wagers transmitted over the internet; fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for details. ←back to content2. To qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for more information about the rewards program. ←back to content3. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose VISA^® merchant code is classified as: Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages. Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Dining: eating places and restaurants, drinking places, fast food restaurants, and/or caterers. Phone plans: landline and cell phone providers considered telecommunication services. Popular streaming services: cable and other pay television, digital goods, books, movies, music, and continuity/subscription services, as listed at: wellsfargo.com/autographstreaming. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash advances and cash equivalents of any kind do not earn points. For a detailed list of cash advance and cash equivalent exclusions and merchant examples that may not be billed under the VISA category codes listed above refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for details. ←back to content4. To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus rewards points will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn rewards points include: cash advances and cash equivalents of any kind (such as ATM transactions, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances and balance transfers may affect the credit line available for this offer. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for more information about the rewards program. ←back to content5. To qualify for the $500 cash rewards bonus, a total of at least $5,000 in qualifying net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The bonus cash rewards will show as redeemable within 60 days after they are earned. “Purchases” that do not apply to this offer and do not earn cash rewards include: cash advances and cash equivalents of any kind (such as ATM charges, cash advances (including overdraft protection advance), traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Cash advances may affect the credit line available for this offer. Refer to the Summary of Wells Fargo Business Rewards® Program Terms and Conditions and Signify Business Cash® Card for more information about the rewards program. ←back to content6. 2% cash rewards are earned for every $1 spent in qualifying purchases, made on Business Card account(s), rounded to the nearest one cent. “Qualifying purchases” are net purchases (purchases minus returns/credits) and exclude cash advances and cash equivalents of any kind (such as ATM charges, overdraft protection advance, traveler’s checks, money orders, pre-paid gift cards, person-to-person money transfers, digital currencies (to the extent accepted), and wire transfers); balance transfers including the use of SUPERCHECKS; disputes, illegal actions, and violations (such as disputed or illegal purchases or purchases that violate the terms of your agreements); fees and interest of any kind (such as late fees, returned payment fees, monthly or annual fees); and gambling transactions of any kind (such as bets or wagers transmitted over the internet, casino gaming chips, lottery tickets or off-track wagers). Refer to the Summary of Wells Fargo Business Rewards® Program Terms and Conditions and Signify Business Cash® Card for further details. ←back to content

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