If You Owe Capital One Can I Still Apply for a Credit Card From Capital One Again
Are you lot interested in getting a credit card to help boost your credit history, earn rewards, travel more or give yourself an option for accessing emergency funds? At that place are tons of options available, only if you currently bank with Wells Fargo, then you might have considered signing up for one of the fiscal service visitor'southward current credit carte offerings. Information technology can make sense to do so — it'due south often easier to apply for cards at institutions y'all already bank with. Merely even if your main bank account is elsewhere, you might be leaning towards a card with Wells Fargo thank you to its all-encompassing rewards programs or depression, industry-leading introductory involvement rates.
Before y'all fill out an application, information technology'southward a wise thought to learn more than about Wells Fargo'south various credit cards, especially when it comes to their benefits and limitations. Like many financial institutions, its list of available cards tends to alter. Here, nosotros'll requite y'all a solid overview of the bank's all-time credit cards for personal use, all of which are available as of this writing.
Looking for Greenbacks-Dorsum Rewards? Try the Wells Fargo Active Cash Card
When it comes to the all-time cash-back credit cards, the Wells Fargo Agile Cash Carte is a stiff contender. It'due south a slap-up option if yous have a credit score of at least 700 and are looking for a rewards menu with no almanac fees.
Non only does the card offer a 0% intro APR — the annual percent rate, or the amount of involvement you'll pay on your carte du jour balance over the course of a year — for 15 months, simply you'll besides earn unlimited 2% cashback on purchases. If yous spend at least $1,000 within your first three months of opening your menu, you tin besides qualify for a $200 cash rewards bonus.
The 0% APR offer also applies to balance transfers for xv months, simply go along in mind that there are fees involved for the transfer itself. If y'all brand a residual transfer within the offset 120 days, the transfer fee is 3%, but after that, it jumps to 5%.
Pros:
- Generous 2% cashback on unlimited purchases
- 0% introductory Apr on purchases and qualifying transfer fees for the first xv months
- No almanac fee
- $200 greenbacks rewards bonus if you spend $1,000 in the get-go 3 months
- Up to $600 worth of prison cell telephone protection if y'all pay your phone neb with your carte du jour
- Zero-liability protection — you're not liable for unauthorized bill of fare charges
Cons:
- Designed for those with proficient to excellent credit
- Potentially loftier APR — between 14.99% and 24.99% — depending on your credit history after the introductory APR ends
- ii% jump in balance transfer fee amount subsequently the initial 120 days
Overall, if yous've got slap-up credit, then the Wells Fargo Active Greenbacks Bill of fare is a proficient pick when it comes to greenbacks-dorsum cards. Just, you'll want to know ahead of time what your APR will exist after the initial xv months.
The Wells Fargo Reverberate Card Could Help You Pay Down Balances
Amidst Wells Fargo'southward newer offerings is a card that tin can relieve you money for paying your credit carte beak on time. The bank's Reflect card offers a 0% APR for the first 18 months, plus a three-month 0% APR extension if you pay at to the lowest degree your minimum balance during the introductory and extension periods. In other words, if you keep upwards with your payments, you can enjoy a 0% APR for upward to 21 months.
Afterward that, the APR jumps to anywhere between 12.99% and 24.99%, depending on your credit rating. The card comes with no almanac fee and is a good credit transfer option if you're looking to escape high interest rates on your existing lines of credit.
Do be enlightened, however, that you may not be eligible for the card'southward benefits if yous've already opened another Wells Fargo credit carte du jour up to fifteen months before you apply. This is true even if you lot've closed the account or have paid off the balance.
Pros:
- 0% introductory Apr for upwardly to 21 months
- Up to $600 worth of prison cell phone protection when you lot pay your phone bill with your bill of fare
- Zero liability protection
- Potential to earn cash dorsum with My Wells Fargo Deals
Cons:
- 0% April is temporary — make sure you understand what your involvement rate will exist after the introductory menstruation
If you're looking to hang onto a 0% Apr for equally long equally possible, the Wells Fargo Reflect card is a solid option. Just brand certain you stay on top of your bills so you lot can take advantage of the iii-month extension.
The Hotels.com® Rewards Visa® Credit Menu Offers Key Travel Benefits
In the market place for a travel rewards card? Wells Fargo has got you covered there, likewise. When you open a Hotels.com® Rewards Visa® card, you lot tin get two rewards nights (worth up to $250 total) if you make $ane,000 worth of purchases in the commencement three months after opening the card.
The menu allows you to collect "stamps" and cash in 10 stamps for a costless reward night at over half a million properties around the world. You earn a new stamp each fourth dimension you either make $500 in purchases or volume a night at an eligible property through Hotels.com.
The card too comes with other perks, such as a $0 foreign currency conversion fee, and freebies from participating airports and backdrop. You can also enjoy refunds for non-refundable fares you volume with your card if your trip is canceled or delayed for a covered reason.
Pros:
- Hotel chain flexibility
- $0 annual fee
- No foreign currency fee
- Bonus 2 free rewards nights if you spend $1,000 in the first three months
Cons:
- Decent — but not dandy — sign-upwardly bonus
- Somewhat confusing rewards system
- Hotel availability could be better
- Competitors offer like cards
Overall, the Hotels.com® Rewards Visa® Credit Card is a sufficient choice, especially if you lot already utilize Hotels.com to book travel stays. Otherwise, you could probably practise better when information technology comes to a great travel rewards credit menu. Competitors like Discover information technology® Miles and Bank of America® Travel Rewards too offer no annual fees and more straightforward rewards systems.
Additionally, you can as well choose to redeem your points from the to a higher place competitors for either travel rewards or cash, then you can nevertheless enjoy them even if you lot don't have any upcoming vacations on the horizon. If you're assail sticking with Wells Fargo, nonetheless, you might fifty-fifty 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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