Bank · FDIC insured
Wells Fargo Credit Card Rates
Wells Fargo credit cards start at 17.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Wells Fargo’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where Wells Fargo has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Wells Fargo
17.74%APR
- Up to
- 28.49% APR
Reflect® Card
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
Wells Fargo credit card score
60
Credit card score
Higher than 2% of U.S. banks and credit unions
- Purchase APRPurchase APR17.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wells Fargo ranks
By credit card score, in each area where it has branches
- #78 of 83Los Angeles-Long Beach-Anaheim, CA metro251
- #62 of 69New York-Newark-Jersey City, NY-NJ metro239
- #29 of 38Miami-Fort Lauderdale-West Palm Beach, FL metro158
- #52 of 58Houston-Pasadena-The Woodlands, TX metro134
- #67 of 72Dallas-Fort Worth-Arlington, TX metro133
- #47 of 51Philadelphia-Camden-Wilmington, PA-NJ-DE-MD metro133
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Active Cash® Card
Credit card is subject to credit qualification. Offers may differ from time to time and depend on the marketing channel.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% intro APR for 12 months from account opening on purchases. |
| Ongoing | 18.74%–28.74% | None | 18.74%, 24.74% or 28.74% variable APR thereafter. |
Autograph® Card
Credit card is subject to credit qualification. Offers may differ from time to time and depend on the marketing channel.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% intro APR for 12 months from account opening on purchases. |
| Ongoing | 18.74%–28.74% | None | 18.74%, 24.74% or 28.74% variable APR thereafter. |
Sources (3)
- creditcards.wellsfargo.com
- creditcards.wellsfargo.com/0-p…t-intro-apr-credit-cards
- creditcards.wellsfargo.com/rewards-credit-cards
All captured Oct 15, 2026
Reflect® Card
Credit card is subject to credit qualification. Offers may differ from time to time and depend on the marketing channel.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 21 months | 0.00% | None | 0% intro APR for 21 months from account opening on purchases. |
| Ongoing | 17.74%–28.49% | None | 17.74%, 24.24% or 28.49% variable APR thereafter. |
Sources (3)
- creditcards.wellsfargo.com
- creditcards.wellsfargo.com/0-p…t-intro-apr-credit-cards
- creditcards.wellsfargo.com/balance-transfer-credit-cards
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.