Wells Fargo Credit Cards Mobile App Review

The Wells Fargo app makes it easy to manage your account, but navigation isn't always easy.

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The Wells Fargo app gives customers a quick overview of their accounts and makes it easy to make payments, turn cards on or off and manage rewards. Just like on the bank’s website, you can toggle between different accounts and easily explore different rewards options.

The app’s navigation often isn’t intuitive, but if you use it for the same purpose each time, such as making a payment or reviewing transactions, it’s easy to find your way.

Features

The Wells Fargo mobile app can help you perform basic functions, such as viewing your account balance and activating a new card. Some features that can simplify managing your credit card include:

Login and security

To log in to the app, you can manually enter your username and password or you can set up Face ID. The app logs you out after a period of inactivity.

Upon login, you land on an account summary page, which displays information from all your Wells Fargo accounts, highlighting your credit card balance and available rewards balance.

From there, you can navigate to different sections, including making a payment or viewing past statements.

Users can opt into 2-step verification for the app and desktop logins, which means that in addition to entering your username and password, you will also be prompted to enter a code sent to you by text, phone call, or email. That provides an additional layer of security.

Making payments

Once you click on your credit card account from within the app, you can pay your card from a connected bank account with a few taps. You can also review upcoming due dates, minimum payments due and available credit. From the app, you can add cards to your digital wallets, including Apple Pay and PayPal.

Monitoring transactions

It’s easy to scroll through your most recent purchases, including temporary authorizations, and you can also view older purchases through statements that are posted as PDFs on the app.

Protecting your money

From the main menu button on the bottom right, you can turn cards on or off, request a replacement card, activate credit cards, and more. You can notify Wells Fargo of upcoming travel plans, too, to prevent an erroneous fraud alert from being placed on your card.

Rewards and redemptions

If you have a rewards-earning card, you can click on your Go Far Rewards, and from the app you can redeem them for a variety of options, including statement credits, travel, gift cards and merchandise. Clicking on some options prompts you to leave the app and go to a browser page.

Credit score monitoring

Tap the "Menu" icon at the bottom of the app’s screen and look for the "Financial Planning" tab. There you can view your FICO® credit score, powered by Experian. The app also gives a historical view of your score over the past 12 months in graph form.

Alerts

The app lets you easily sign up for an array of different alerts: You can receive alerts for single purchases above a certain amount, online purchases, daily total spending limits and more.

Special offers

Under "My Wells Fargo Deals," you can explore offers (like coupons) that give you additional cash back on your purchases. Just tap to activate them, and they will be applied to your card on your next eligible purchase.

Drawbacks

The app lacks a back button on all pages, which means navigation is done primarily by clicking the sections along the bottom of the screen. That can limit your options and force you to start over instead of backing up one step, which can make the app more time-consuming than it needs to be.

In online reviews, users also complain about the app’s slowness to load and difficulty in reaching customer service through the app. In fact, the “Help & Support” page only offers to help you make an appointment by leading you out of the app and onto a Wells Fargo website page.

Some users also point out that the lack of a search function can make it hard to find what you are looking for. But if you’re using the app primarily to track your transactions and make payments, it will give you what you’re looking for.

Desktop vs. mobile

As mentioned above, the app lacks the helpful back button that does exist when you check your Wells Fargo account from a desktop. Other than some slowness issues reported by app users, the Wells Fargo desktop and mobile experiences are very similar.

Ratings

Ranked 6th out of 11 major credit card issuers — Wells Fargo ranked in the middle of its competitors in the J.D. Power 2020 U.S. Credit Card App Satisfaction Study.

4.8 / 5 — Apple's App Store (rating as of March 2021)

4.8 / 5 — Google Play Store (rating as of March 2021)