| Wells Fargo Cash Back Visa |
| Reward Benefits |
| Rebate Percentages |
Tiered rebate system
Earn up to 1% rebate on net purchases
1% rebate is achieved after on purchases in excess of $450 during billing cycle
|
| Caps on Rebates |
$500 a year in cash rebate
|
| Method of Cash Rebate |
checks issued in increments of $20 when requested |
| Travel and Insurance Benefits |
| Enrollment is accidental death and disembursement insurance |
| Other Benefits |
Free online account management
Overdraft protection
Pay bills with Well Fargo Cash Back card
Automatic payment |
| Cost/Fees/Interest rates |
| Introductory rate |
Intorductory APR of between 0% and 5.9% for 6 billing cycles depending on credit worthinesss (purchase and balance transfers |
| Annual Fees |
No annual fee |
| Purchase APR |
Prime Rate plus 7.90% to 16.75% |
| Balance Transfer APR |
Prime Rate plus 7.90% to 16.75% |
| Cash Advance APR |
Prime Rate plus 15.24%, min 19.99% |
| Penalty/Default Rate APR |
Prime Rate plus 23.9% |
| Min Finance Charge |
$1.00 |
| Grace Period |
20 to 25 days
no grace period for balance transfers |
| Balance Calculation Method |
Average Daily Balance (including new purchases) |
| Balance Transfer Fee |
3%, min $5.00, max $50.00, $0 for first 30 days |
| Convenience checks fee |
4%, min $5.00 |
| ATM Cash Advance fee |
4% min $5.00 |
| Other Cash Advance fee |
4%, min $10.00 for ATM withdrawals from other financial institutions
4%, min $20.00 from other sources |
| Foreign Currency Conversion fee |
2% |
| Over-the-credit-limit fee |
$35.00 |
| Late Payment fee |
$20.00 - up to $100
$29 - $100 up to $1000
$35.00 - $1000 and greater |
