Wells Fargo 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 Visa Signature® from Wells Fargo earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- 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 0x points.
What does the Wells Fargo Visa Signature earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Wells Fargo Visa Signature compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Wells Fargo Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 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 Visa Signature?
The Wells Fargo Visa Signature fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Wells Fargo Visa Signature fits spenders who put meaningful volume in dining and can earn 0x points. 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 0x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
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 0% effective (0x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the Wells Fargo Visa Signature have an annual fee?
The Wells Fargo Visa Signature has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Wells Fargo Visa Signature?
The Wells Fargo Visa Signature includes Auto Rental Collision Damage Waiver, Booking.com, Cell Phone Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cell Phone Protection
$7,200/yrGet up to $600 of cell phone protection per claim against damage, theft, and unintended separation when you pay your monthly phone bill with an eligible card. Subject to a $25 deductible.
Travel Accident Insurance
$3,000/yrGet Travel Accident Insurance protection of up to $1,000,000 when you purchase your airline or other common carrier ticket with your eligible credit card.
Roadside Dispatch®
$1,000/yrAvailable whenever you’re in need of a tow — for eligible Wells Fargo cardholders 24/7 with no membership required. To learn more, call 1-800-847-2869
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/yrind tickets to top sports and entertainment events, book travel, make dinner reservations, and more with your complimentary 24/7 Visa Signature® Concierge.
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.
Credit Close-Up®
$25/yrGives you free access to your FICO® Score and more at any time and it won’t impact your credit score.
Emergency Cash Disbursement and Card Replacement
$25/yrGet it within one to three business days, and in some cases, within 24 hours, after issuer approval. Any cash advance fees and interest charges that are associated with your credit card account would apply.
Related encyclopedia topics
Common questions about the Wells Fargo Visa Signature
Is Wells Fargo Visa Signature a good card?
The Wells Fargo Visa Signature® from Wells Fargo earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
Does the Wells Fargo Visa Signature have an annual fee?
The Wells Fargo 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 Visa Signature?
Dining is the strongest Madeen category for the Wells Fargo Visa Signature at about 0% 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 Visa Signature charge foreign transaction fees?
The Wells Fargo Visa Signature charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Wells Fargo Visa Signature?
Madeen's catalog lists a typical credit range of Excellent for the Wells Fargo Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Wells Fargo Visa Signature?
Rewards on the Wells Fargo Visa Signature post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Wells Fargo Visa Signature compare to similar cards?
Compare the Wells Fargo 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 Visa Signature This card | Dining | 0% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
Side-by-side comparisons
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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