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Wells Fargo review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Wells Fargo covers both sides of daily money: a credit card with an annual fee of $0 that pays cashback, and a checking account with free ATM withdrawals but a monthly fee of $5. It suits US customers who want everyday spending and rewards from the same bank and mostly pay in dollars.

Key facts

Best for
US everyday spending with cashback and a checking account under the same roof.
Monthly fee
$5 (Source, checked September 26, 2026)
Currency conversion fee
3% (Source, checked September 26, 2026)
Free ATM withdrawals
$0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Wells Fargo National Bank West (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Rewards
Official website
wellsfargo.com

Credit cards

Annual fee
$0 (Source, checked September 26, 2026)
APR
18.74% to 28.74% (Source, checked September 26, 2026)
Currency conversion fee
3% (Source, checked September 26, 2026)
Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
2% cash rewards (Source, checked September 26, 2026)
Balance transfer intro period
12 months (Source, checked September 26, 2026)
Cashback rate
2% (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Wells Fargo National Bank West (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
No annual fee
Features
Rewards

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Annual fee of $0 on the credit card, with cashback of 2% on spend
  • The checking account includes $0 in free ATM withdrawals
  • A balance transfer intro period of 12 on the credit card
  • Licensed by the FDIC in the US, with the account held by Wells Fargo National Bank West

Cons

  • The checking account charges a monthly fee of $5, above the site median of €0
  • Currency conversion costs 3%, against a site median of 1%
  • Support runs on phone and help centre only, with no live chat or email listed
Wells Fargo

Ready to try Wells Fargo?

Scored 8.4 / 10 by DebitCue.

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Who it suits

  • US customers who want a checking account and a rewards credit card from the same bank
  • People who spend mostly in dollars and rarely convert currency
  • Borrowers who want a balance transfer intro period with no annual fee

Who should look elsewhere

  • Anyone who wants a monthly fee of £0 rather than $5 should start with Wise
  • Credit builders should compare Varo Believe Secured Credit Card, where the monthly fee is $0
  • Chime Card (Secured Visa Credit Card), with a monthly fee of $0, is a different bet for anyone focused on a secured card

How Wells Fargo compares

Where Wells Fargo is available

Available
United States
Licence in United States
FDIC (FDIC cert 27389), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Wells Fargo credit card cost to keep?+

The credit card has an annual fee of $0 and a purchase APR of 18.74% to 28.74%. The no annual fee model means a year of spending adds no card fee, though a balance left after the intro period would be charged at the standard rate.

Is there a monthly fee on the checking account?+

The checking account behind the debit card charges a monthly fee of $5. The site median for the same field is €0, so this sits above the typical figure, and Wells Fargo ranks at 376 on it.

What does it cost to convert currency?+

Currency conversion costs 3% on the checking account, well above the site median of 1%. Wells Fargo places at 218 among 259 brands compared on this measure.

Are ATM withdrawals free?+

ATM withdrawals are free on the checking account, under an allowance of $0. The debit card runs on the Visa network, so it works wherever Visa is accepted. Wells Fargo ranks at 41 on free ATM withdrawals.

Who holds the money and who regulates the bank?+

Wells Fargo National Bank West holds the account and is licensed by the FDIC in the US, certificate FDIC cert 27389. The bank is headquartered in the US, so the debit card and the credit card sit under the same group.

What rewards does the card pay?+

Rewards on the credit card are cashback, listed at 2% cash rewards with the rewards feature as the main benefit. The annual fee is $0, so holding the card costs nothing. The debit card from the checking account is the everyday spending side.

Is there a balance transfer offer?+

The credit card offers a balance transfer intro period of 12, which is the main reason to apply while carrying a balance. Transfers sit with the credit card rather than the checking account, which charges its own monthly fee of $5.

How do I reach help?+

Help runs on phone and help centre only: a phone line and a help centre, with no live chat or email listed. For routine questions about fees, statements and card limits, that level of cover keeps things simple.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Wells Fargo

Wells Fargo

US everyday spending with cashback and a checking account under the same roof.

8.4/10See alternatives