Wells Fargo Visa Signature
Wells FargoNo annual feeVisa Signature3% foreign transaction fee
Not open to new applicants.
Already have it? Keep it.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$445 |
| Annual fee | $0 |
| First year | $445 |
| Each year after | +$605 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Grocery Stores | 7% |
| 5X | Gas Stations | 7% |
| 5X | Drugstores | 7% |
| 1X | Everything else | 1.4% |
Personal card · Earns Wells Fargo Rewards
Benefits
Protections (5)
- Purchase Protection, up to $500, 90 days of coverage against damage or theft. Up to $500 per item, $50,000 per account per year.
- Extended Warranty, up to $10,000, Extends manufacturer warranties of 36 months or less by 12 additional months. Up to $10,000 per item, $50,000 per account per year.
- Price Protection, up to $250, Refunds the difference if the item is advertised for less within 60 days. Up to $250 per item, $1,000 per year.
- Auto Rental Collision Damage Waiver (secondary), Visa Signature auto rental collision damage waiver when the rental is paid with the card and the CDW is declined
- Cell Phone Protection, up to $600, Up to $600 per claim with a $25 deductible when the monthly phone bill is paid with the card
Other Perks
- Points redeem at 1.5 cents each toward airfare booked through the Go Far Rewards travel center; 1.75 cents each in a calendar year with $50,000 or more of spend on the card
- Points expire five years after they are earned
- Visa Signature concierge, roadside dispatch, and travel and emergency assistance
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Wells Fargo SignatureOct 8, 2026
- addedSep 9, 2026