THE CARDTUNED DATABASE
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|---|
| Costs |
| Annual fee |
| $0 |
| Foreign transaction fee |
| $0 |
| Intro APR |
| 0% intro APR for 12 months from account opening on purchases. |
| Regular APR |
| 18.74%, 24.74% or 28.74% variable APR after the introductory period; September 26, 2026 application terms. |
| Rewards |
| Earning rates |
Unlimited 3X restaurants, travel, gas, transit, popular streaming services and phone plans; 1X other purchases |
| Reward restrictions |
| Bonus categories depend on Visa merchant coding. The 20,000-point offer requires $1,000 in net purchases within 3 months; eligibility restrictions and channel-specific terms apply. |
| Current offer |
| 20,000 points after $1,000 in net purchases within 3 months of account opening. |
| Eligibility & sources |
| Eligibility |
| U.S. applicant of legal age; subject to Wells Fargo credit approval, identity and income verification, and current product/application rules. |
| Credit profile |
| Generally good to excellent credit positioning |
| Full card review date |
| 2026-09-07 |
| Official source |
Full card review dates cover the overall review. Individual terms and offers may have later checks; open each card for the dated details.