Wells Fargo Credit Cards Mobile App Review
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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 among accounts and easily explore different rewards options.
The app’s navigation is intuitive, especially if you use it for the same purpose each time, such as making a payment or reviewing transactions.
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 sign in, 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 (in addition to the balances of deposit or investment accounts).
From there, you can navigate to different sections, including making a payment or viewing past statements.
Users can opt into two-step verification for the app and desktop or web browser sign-ins, 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.
If you lose your card or suspect your account has been compromised, navigate to the "menu" button in the bottom right of the app. From there, you can lock a lost or stolen card.
Making payments
Once you select the 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, Google 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 in 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 Wells Fargo Rewards from the app and redeem points 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 Health" tab. There you can view your FICO credit score, powered by Experian.
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
At the bottom of your home page, under "My Wells Fargo Deals," you can explore offers (like coupons) that give you additional cash back on your purchases. Tap to activate them, and they will be applied to your card on the next eligible purchase.
Drawbacks
In online reviews, users complain about the app’s slowness to load and difficulty in reaching customer service through the app. There is no chat feature in the app, though customers can access customer support 800 numbers and schedule in-branch appointments. A limited number of banking features, like requesting a cashier's check, can't be done through the app and will still require a visit to a Wells Fargo branch.
Some users also point out that the search function can be difficult to use. But if you’re using the app primarily to track your transactions and make payments, it will give you what you’re looking for.
Mobile app vs. web browser
Other than some slowness issues reported by app users, the Wells Fargo web browser and mobile experiences are similar.
RATINGS
Ranked seventh out of 11 major credit card issuers — Wells Fargo ranked in the middle of its competitors in the J.D. Power 2024 U.S. Credit Card Mobile App Satisfaction Study.
4.9 / 5 — Apple's App Store (rating as of June 2024).
4.8 / 5 — Google Play Store (rating as of June 2024).
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