How Long After Applying for a Credit Card Can You Apply Again
Are y'all interested in getting a credit card to help boost your credit history, earn rewards, travel more or give yourself an selection for accessing emergency funds? In that location are tons of options available, but if you currently bank with Wells Fargo, and so you might have considered signing up for 1 of the financial service company'south current credit bill of fare offerings. Information technology can make sense to do so — it'south often easier to apply for cards at institutions y'all already bank with. But even if your master bank account is elsewhere, you might be leaning towards a carte du jour with Wells Fargo thanks to its extensive rewards programs or depression, industry-leading introductory involvement rates.
Before you fill up out an application, it'southward a wise idea to learn more about Wells Fargo's various credit cards, especially when it comes to their benefits and limitations. Like many fiscal institutions, its list of available cards tends to change. Here, we'll give you a solid overview of the banking company's best credit cards for personal use, all of which are available as of this writing.
When it comes to the best greenbacks-dorsum credit cards, the Wells Fargo Active Cash Card is a strong contender. It's a neat option if you have a credit score of at least 700 and are looking for a rewards carte with no annual fees.
Not only does the card offering a 0% intro April — the annual per centum charge per unit, or the amount of interest yous'll pay on your bill of fare balance over the course of a twelvemonth — for fifteen months, but you'll as well earn unlimited ii% cashback on purchases. If you spend at to the lowest degree $1,000 within your first three months of opening your card, you tin besides qualify for a $200 cash rewards bonus.
The 0% April offer as well applies to rest transfers for xv months, but keep in listen that at that place are fees involved for the transfer itself. If you brand a balance transfer within the first 120 days, the transfer fee is 3%, just after that, information technology jumps to five%.
Pros:
- Generous ii% cashback on unlimited purchases
- 0% introductory Apr on purchases and qualifying transfer fees for the showtime 15 months
- No annual fee
- $200 cash rewards bonus if yous spend $1,000 in the start 3 months
- Up to $600 worth of cell phone protection if you pay your phone bill with your card
- Zero-liability protection — you're not liable for unauthorized carte charges
Cons:
- Designed for those with good to splendid credit
- Potentially high April — between fourteen.99% and 24.99% — depending on your credit history after the introductory APR ends
- 2% jump in residuum transfer fee amount after the initial 120 days
Overall, if you've got corking credit, then the Wells Fargo Agile Cash Card is a practiced choice when it comes to cash-back cards. Merely, y'all'll desire to know alee of time what your April volition be afterward the initial fifteen months.
The Wells Fargo Reverberate Card Could Help Yous Pay Down Balances
Amid Wells Fargo's newer offerings is a card that can relieve you money for paying your credit card bill on time. The banking concern's Reflect menu offers a 0% APR for the first 18 months, plus a iii-month 0% Apr extension if you pay at least your minimum remainder during the introductory and extension periods. In other words, if you go on upward with your payments, you can relish a 0% APR for up to 21 months.
Afterward that, the April jumps to anywhere between 12.99% and 24.99%, depending on your credit rating. The menu comes with no annual fee and is a adept credit transfer selection if you lot're looking to escape high involvement rates on your existing lines of credit.
Do be aware, however, that you may not be eligible for the card's benefits if you've already opened another Wells Fargo credit carte du jour up to 15 months earlier you apply. This is true fifty-fifty if yous've closed the account or accept paid off the balance.
Pros:
- 0% introductory APR for up to 21 months
- Upward to $600 worth of cell phone protection when you pay your phone beak with your carte du jour
- Nil liability protection
- Potential to earn greenbacks dorsum with My Wells Fargo Deals
Cons:
- 0% APR is temporary — make sure you empathise what your interest rate volition exist subsequently the introductory menses
If yous're looking to hang onto a 0% APR for as long equally possible, the Wells Fargo Reflect card is a solid option. Just make sure yous stay on top of your bills so you tin can take reward of the three-month extension.
The Hotels.com® Rewards Visa® Credit Card Offers Cardinal Travel Benefits
In the market place for a travel rewards card? Wells Fargo has got yous covered there, likewise. When y'all open a Hotels.com® Rewards Visa® card, you can go two rewards nights (worth up to $250 total) if yous make $1,000 worth of purchases in the first three months subsequently opening the card.
The menu allows yous to collect "stamps" and greenbacks in 10 stamps for a free reward dark at over half a meg properties around the world. You earn a new postage each time you either make $500 in purchases or book a nighttime at an eligible property through Hotels.com.
The card also comes with other perks, such as a $0 strange currency conversion fee, and freebies from participating airports and backdrop. You lot can also relish refunds for not-refundable fares you book with your menu if your trip is canceled or delayed for a covered reason.
Pros:
- Hotel chain flexibility
- $0 annual fee
- No foreign currency fee
- Bonus two free rewards nights if yous spend $1,000 in the kickoff three months
Cons:
- Decent — but not great — sign-up bonus
- Somewhat confusing rewards system
- Hotel availability could be better
- Competitors offer similar cards
Overall, the Hotels.com® Rewards Visa® Credit Card is a sufficient option, peculiarly if you already employ Hotels.com to volume travel stays. Otherwise, you could probably do ameliorate when it comes to a bully travel rewards credit carte du jour. Competitors like Discover it® Miles and Banking company of America® Travel Rewards also offer no annual fees and more straightforward rewards systems.
Additionally, y'all can also choose to redeem your points from the in a higher place competitors for either travel rewards or cash, and so you tin still enjoy them even if you don't have whatever upcoming vacations on the horizon. If you're prepare on sticking with Wells Fargo, however, you might even consider applying for the Wells Fargo Agile Cash Card instead and earning cashback on all of your purchases, whether they're travel-related or not.
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Source: https://www.askmoney.com/credit-cards/apply-wells-fargo-credit-card?utm_content=params%3Ao%3D1465803%26ad%3DdirN%26qo%3DserpIndex
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