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The Wells Fargo Home Rebate Card is a rewards card that allows you to apply your earned rebates to your Wells Fargo Home Mortgage loan. If you have one of the following loans Reverse Mortgages, Commercial 1st Mortgage, Farm loans, FHA 2nd Mortgages, VA 2nd Mortgage, Piggy Back Mortgages, CNVN Insured and Uninsured 2nd Mortgages, HUD 2nd Mortgage, you are not eligible to apply for this credit card offer.
- Customize your card from 5 card designs
- 0% for 6 months
- No Annual Fee
- Apply earned rewards to your WFHM loan
Annual Percentage Rate
The card offers an Introductory APR of 0.00% for the first 6 billing periods the account is open. This introductory APR does not apply to cash advances. After that, APRs ranges from 12.65% to 22.65% based on your creditworthiness. Your APRs for purchase, cash advance and overdraft protection balances may vary. The purchase APR is determined by adding a margin ranging from 6.90 to 16.90 percentage points to the Index Rate. The cash advances and overdraft protection advances APR is determined monthly by adding 17.74 percentage points to the Index Rate. The Default Rate varies and is determined monthly by adding up to 23.99 percentage points to the Index Rate.
This Index Rate is equal to the highest prime rate published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date, subject to the applicable minimum APRs. The standard APRs for purchases are subject to minimum rates ranging from 12.65% to 22.65% and will not decrease below the applicable minimum rate regardless of changes to the Index Rate. The standard APRs on cash advances and overdraft protection advances are subject to a minimum rate of 23.49% and will not decrease below 23.49% regardless of changes to the Index Rate.
Wells Fargo Rewards
You will earn a one percent (1%) rebate for every one dollar in qualifying net purchases (purchases minus returns/credits) charged to your account. Rebates will not be earned on ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, casino gaming chips, wire transfers, off-track wagers, other wagers or lottery tickets. It also does not include any fees charged to your account. Each billing period, Wells Fargo Card Services will review your account to determine any rebate you may have earned. When you have made at least $2,500 in eligible purchases with your Wells Fargo Home Rebate Card, Wells Fargo Card Services will forward to Wells Fargo Home Mortgage (WFHM) a $25 rebate payment to be applied to the principal balance on the WFHM loan specified at account opening. The rebate may be in multiples of $25 depending on the amount of eligible purchases made with your account. There is no limit to the rebate you can have applied towards your Wells Fargo Home Mortgage loan principal.
In the event we are unable to apply the earned rebate to your WFHM loan, WFHM will try to apply the rebate to another WFHM loan in your name. If you have more than one WFHM loan the rebate will be applied to the loan with the highest principal payment. If you do not have another WFHM loan, the rebate will be applied to your credit card account.
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