Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. You may not qualify for the lowest APRs disclosed above. Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. The "Margin" for cash advances and overdraft protection advances will be 22.74 percentage points.The "Margin" for purchases and balance transfers will be 11.74, 16.74, or 21.74 percentage points, based on your creditworthiness.Prime Rate is 8.00 percentage points as of. Prime Rate is not published or is otherwise unavailable, whether temporarily or permanently, we will select a substitute index that we believe, in our sole discretion, to be similar to the U.S. Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. For each billing period we will use the U.S. Prime Rate to determine your standard variable APR. Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S.Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards. We will begin charging interest on cash advances and balance transfers on the transaction date. You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. We may also limit the total number of open Wells Fargo credit card accounts you have. Wells Fargo has provided this link for your convenience, but does not endorse and is not responsible for the content, links, privacy policy, or security policy of this website. * You are leaving Wells Fargo and entering a website that Wells Fargo does not control.
We use a method called "average daily balance (including new purchases)". After that, up to 5% for each balance transfer, with a minimum of $5.Įither $10 or 5% of the amount of each advance, whichever is greater.ģ% of each transaction converted to U.S. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at. If you are charged interest, the charge will be no less than $1.00.įor Credit Card Tips from the Consumer Financial Protection Bureau We will not charge you interest on purchases if you pay your entire balance by the due date each month. Your due date is at least 25 days after the close of each billing period.
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How to Avoid Paying Interest on Purchases This APR will vary with the market based on the U.S. Balance Transfers are subject to eligibility.ĪPR for Cash Advances and Overdraft Protection Advances A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. Prime Rate.Īnnual Percentage Rate (APR) for Balance TransfersĪfter that, your APR will be 19.74%, 24.74%, or 29.74%, based on your creditworthiness. Wells Fargo Active Cash Visa ® Card Terms and Conditions IMPORTANT DISCLOSURES Interest Rates and Interest ChargesĪnnual Percentage Rate (APR) for PurchasesĠ.00% introductory APR for 15 months from date of account opening.Īfter that, your APR will be 19.74%, 24.74%, or 29.74%, based on your creditworthiness.
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