Wells Fargo Advisors By Invitation Visa Signature®
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Wells Fargo Advisors By Invitation Visa Signature® from Wells Fargo earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back.
What does the Wells Fargo Advisors By Invitation Visa Signature earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Advisors By Invitation Visa Signature compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at 3x.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Advisors By Invitation Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Wells Fargo Advisors By Invitation Visa Signature?
The Wells Fargo Advisors By Invitation Visa Signature fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back.
Wells Fargo Advisors By Invitation Visa Signature fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Wells Fargo Advisors By Invitation Visa Signature have an annual fee?
The Wells Fargo Advisors By Invitation Visa Signature has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Wells Fargo Advisors By Invitation Visa Signature?
The Wells Fargo Advisors By Invitation Visa Signature includes Booking.com, Cell Phone Protection, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrUp to 1 additional year on original manufacturer's warranty of 3 years or less.
Purchase Protection
$10,000/yrUp to $1,000 per eligible purchase within 90 days of the purchase date.
Cell Phone Protection
$7,200/yrUp to $600 per claim for damage or stolen cell phone. A $25 deductible applies with a maximum of $1,200 in coverage per 12-month period.
Trip Delay Protection
$5,000/yrUp to $2,000 per person for non-refundable travel expenses. Applicable in the event that your trip is delayed or cancelled due to a covered reason.
Lost Luggage Protection
$3,000/yrUp to $3,000 per covered trip due to loss or theft.
Return Protection
$1,000/yrUp to $250 per eligible purchase within 250 days of the purchase date. Maximum coverage of $1,000 per year.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Related encyclopedia topics
Common questions about the Wells Fargo Advisors By Invitation Visa Signature
Where do cardholders spend most with the Wells Fargo Advisors By Invitation Visa Signature?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (3x), lodging (3x), other travel (3x) for the Wells Fargo Advisors By Invitation Visa Signature. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is Wells Fargo Visa Signature a good card?
The Wells Fargo Advisors By Invitation Visa Signature® from Wells Fargo earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
Does the Wells Fargo Advisors By Invitation Visa Signature have an annual fee?
The Wells Fargo Advisors By Invitation Visa Signature carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Wells Fargo Advisors By Invitation Visa Signature?
Dining is the strongest Madeen category for the Wells Fargo Advisors By Invitation Visa Signature at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Wells Fargo Advisors By Invitation Visa Signature charge foreign transaction fees?
The Wells Fargo Advisors By Invitation Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Wells Fargo Advisors By Invitation Visa Signature?
Madeen's catalog lists a typical credit range of Good for the Wells Fargo Advisors By Invitation Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Wells Fargo Advisors By Invitation Visa Signature compare to similar cards?
Compare the Wells Fargo Advisors By Invitation Visa Signature against One Key (3% on Dining, $0 fee); One Key+ (3% on Dining, $99 fee); Wells Fargo Autograph℠ (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Wells Fargo Advisors By Invitation Visa Signature This card | Dining | 2% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure