It offers a 0% introductory APR for the first 15 months on purchases, then a 13.49%–26.49% Variable APR after that. If we allow the transaction, we may treat that over limit amount as due with the minimum payment on your next statement. We are not responsible for anyone who refuses to accept your Card or any other Credit Access Device. The Minimum Payment is rounded-up to the next highest whole dollar amount. A device, other than your Card, like SUPERCHECKS™ and mobile devices, that we allow you to use to access credit on your Account. Wells Fargo Consumer Credit Card cardholder for damage to or theft of or involuntary and accidental parting of Your cell phone. Wells Fargo Bank, N.A. You agree that we have yourconsent to contact you at anyphonenumber, email address,or mailing address you providefor any Wells Fargo account orat any numberthat you call us fromor at any numberthat we obtain by other means. Wells Fargo Private Bank provides financial services and products through Wells Fargo Bank, N.A. Irregular Payments. They may be used only by the person whose name is printed on the check. Hustlermoneyblog has partnered with CardRatings for our coverage of credit card products. If you have a joint Account, a notice to one of you will serve as a notice to both of you. … If you are offered a promotional rate after your account is opened, the terms will be provided at that time. The following fees may apply to your account. If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. First, here’s a quick recap of both the Propel Amex and the Visa Signature: Wells Fargo Propel American Express® card — You’ll earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. Your due date will be at least 25 days from the statement closing date and will be provided on your billing statement. Card Rating*: ⭐⭐⭐½ *Card Rating is … If any provision of this Agreement is found to be unenforceable, all other provisions of the Agreement will remain in effect. (9) Authorizations. What Will Happen After We Receive Your Letter. Additional fees may be charged if agreed between you and us. You must not yet have fully paid for the Purchase. This contract for your credit card account ("Account") includes the Credit Card Agreement ("Agreement"), the Important Terms of Your Credit Card Account and future amendments to this Agreement. We charge interest on a fee beginning on the first day of the Billing Cycle following the Billing Cycle in which the fee posted to your Account. You are responsible for payment of the entire amount owed to us, including any Purchases, Balance Transfers or Cash Advances (and all related interest and fees) made by the authorized person. Opens in a new window. The Wells Fargo Visa Signature Card has a 15-month 0% introductory APR on purchases and any balance transfers made within 120 days of account opening, followed by an APR of 12.49% to 25.49%, based on your creditworthiness. Welcome offer: The Wells Fargo Visa Signature Card does not have a welcome offer. The total amount you owe as of a statement closing date. 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the Credit Card account. (28)  Information Reporting. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. Cash Advances, Balance Transfers and cash-like transactions are not Purchases. You must notify us of your request by contacting us at the number on the back of your Card or by mail at Wells Fargo Bank, N.A., P.O. You agree to notify us promptly if you remove or want to remove your Account information from any third party/mobile device. How we will calculate your balance: We use a method called "average daily balance (including new purchases)." Credit card subject to credit qualification. Box 10347, Des Moines, IA 50306. Here are the details, including the credit card perks offered by this card. Apply for Wells Fargo Propel American Express® card. We're sorry, but some features of our site require JavaScript. We cannot tell you which merchant will receive updated card information when your card information changes. The Blue Cash Everyday Card from American Express offers 3% cash back on purchases up to $6,000 a year at U.S. supermarkets (then 1%), 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on other purchases. If you have a balance on your account you will receive a billing statement. Payment Instructions. We will send you a statement of the amount you owe and the date payment is due. and each Account holder. We may restrict the amount of your revolving line of credit that can be used for Cash Advances. and its affiliates. We may monitor and record any of your phone calls with us. We can adjust your revolving line of credit at any time, including automatic credit line increases for those who qualify. Cash Advances for Overdraft Protection. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. Travel Use your card to unlock a world of experience. Hustlermoneyblog and CardRatings may receive a commission from card issuers. This Anniversary Bonus is solely for Your Wells Fargo Advisors By Invitation Visa Signature® credit card, and excludes all transactions made with other Wells Fargo credit cards. The Account holder(s) who opened the Account. Enter your username and password to securely send money to friends, family and people you know and trust. Travel and shopping benefits: The card offers purchase security, which means that eligible items purchased with the card can be replaced, repaired or reimbursed for the first 90 days after purchase in the event of theft, fire damage, vandalism and other conditions. Credit Access Devices. Home; The Private Bank; Home; My Card Protections A court decree for divorce or separation or an out-of-court mutual agreement does not affect any of our rights to enforce this Agreement. The card has an APR of 12.49% to 25.49%, based on your creditworthiness. If you do not, you will continue to be liable for any charges made, even if you've advised us of your wish to cancel the privileges, unless you tell us to cancel all Cards and establish a new Account for you. NMLSR ID 399801, + Fees and interest accrued on the previous day's Transaction category balance, - Payments, credits and adjustments that posted that day, ADB = sum of daily balances ÷ number of days in the Billing Cycle, Interest Charge = daily periodic rate x ADB x number of days in Billing Cycle, The Private Bank By Invitation Visa Signature. Potentially high APR: Depending on the cardholder’s creditworthiness, a relatively high APR may be issued. The Wells Fargo Visa Signature® Card could be right for you if you’re looking for a no-annual-fee card that comes with rewards and a long intro APR period. In the event of the death of all fully liable cardholders, authorized users' privilege ends automatically. You must notify us of your request by contacting us at the number on the back of your Card or by mail at Wells Fargo Bank, N.A., P.O. (14) Minimum Interest Charge. Examples include using your card for Cash Advances through an ATM, bank teller or Wells Fargo Online, Overdraft Protection advances, Balance Transfers, or cash-like purchases such as money orders, wire transfers, traveler checks, foreign currency, lottery tickets, casino chips, off-track wagers, other wagers, vouchers redeemable for cash or similar items. Verifying your employment, assets and income records. Sign-up bonus: The Wells Fargo Visa Signature Card does not have a welcome offer. Either $10 or 5% of the amount of each advance, whichever is greater. You may pay all or part of your Account balance at any time, but you must pay the Minimum Payment, disclosed on your billing statement, by the Payment Due Date. The Private Bank; Wells Fargo Private Bank Card Benefits & Offers. Member FDIC You and any joint Account holder accept the terms of this Agreement by using or activating your Account. Annual fee: Wells Fargo Visa Signature Card has an annual fee of $0, and the Bank of America Cash Rewards credit card has an annual fee of $0. In order to get approved for this credit card, you should have a good-excellent credit rating. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Disclosures. This card offers travel benefits and a rewards program with points that can be redeemed for travel, cash, gift cards and more. Apply online now. If a SUPERCHECKS check is not included with a Balance Transfer offer it will post as a Cash Advance. Part of the amount in the first six months you interest on Cash Advances from ATMs may be each... Carefully and keep it for your credit card Account.Daily Periodic wells fargo private bank visa signature card opened, the Wells Fargo Visa Signature is! A percentage, used to Purchase airfare rate plus the applicable `` Margin '' Depending on the limits... 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