Wells Fargo offers several credit cards for consumers and small businesses that earn rewards and offer attractive benefits and 0% APR promotions. Many of its cards earn cash back or flexible points that allow customers to use their rewards in many ways. Promotions with 0% APR give customers extra time to pay off purchases or balances transferred from another credit card. Credit cards from Wells Fargo offer numerous benefits depending upon the card that you select. Here are a few of the benefits that you may be offered on your credit card: Free FICO score Auto rental collision damage waiver Cell phone insurance Trip cancellation protection Lost luggage reimbursement Currently, consumer credit cards from Wells Fargo do not charge an annual fee. However, most charge a foreign transaction fee of 3% on international purchases. Additionally, you may be charged up to $40 for a late or returned payment. Interest Rates Interest rates for Wells Fargo credit cards are variable based on the Prime Rate. Most cards have a range of interest rates that are based on your creditworthiness. Standard APRs are as low as 11.15% and as high as 24.99%, depending on your personal information and which card you apply for.