Detected in the CFPB-filed cardholder agreements from Wells Fargo Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…fullest extent permitted by applicable law. Notwithstanding the foregoing, the parties retain the right to participate in a class-wide settlement. b. Binding Arbitration. You and the Bank agree that if a Dispute arises between you and the Bank, upon demand by either you or the Bank, the Dispute shall be resolved by th…”
“…October 2022. This information may have changed after that date. To find out what may have changed, call us at 1-800-459-8451. ARBITRATION AGREEMENT Binding Arbitration. You and Wells Fargo Bank, N.A. (the Bank ), including the Bank s assignees, agents, employees, officers, directors, shareholders, parent companies,…”
You can't band together with other cardholders in a class action.
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“…carefully read this Agreement and keep it for your records. This Agreement contains dispute resolution provisions including an arbitration agreement, class action waiver, and jury trial waiver that affect your legal rights. In arbitration, there may be less discovery and appellate review than in court. Please review t…”
“…h Dakota. If any of the provisions of this Arbitration Agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be illegal or unenforceable, that invalid provision shall not be severable and this entire Arbitration Agreeme…”
You waive your right to have a dispute heard by a jury.
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“…d this Agreement and keep it for your records. This Agreement contains dispute resolution provisions including an arbitration agreement, class action waiver, and jury trial waiver that affect your legal rights. In arbitration, there may be less discovery and appellate review than in court. Please review these provi…”
“…ration Agreement. This Arbitration Agreement shall survive the payment or closure of your Account. You understand and agree that you and the Bank are waiving the right to a jury trial or trial before a judge in a public court. As the sole exception to this Arbitration Agreement, you and the Bank retain the right to pursue in…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…otal interest charge is the sum of interest charges (excluding related document, represents your signature on this Agreement. You accept the terms of deferred interest charges) for each type of balance on your Account (e.g. regular, each special this Agreement by opening or using your Account. If you have a joint Ac…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…ch merchant with your new Credit Card information. back to the top Part 6: Knowing the Account s Legal Terms 1. Can we change this Agreement? Yes. We may change this Agreement at any time. These changes may apply to existing and future balances. We will notify you ahead of time in writing of any changes, and you will have a right to re…”
“…Visa Signature Card Account Agreement Wells Fargo back to the top Part 6: Knowing the Account s Legal Terms 1. Can we change this Agreement? Yes. We may change this Agreement at any time. These changes may apply to existing and future balances. We will notify you ahead of time in writing of any changes, and you will have a right to re…”
“…ells Fargo Autograph Journey Visa?? Card Agreement back to the top Part 6: Knowing the Account s Legal Terms 1. Can we change this Agreement? Yes. We may change this Agreement at any time. These changes may apply to existing and future balances. We will notify you ahead of time in writing of any changes, and you will have a right to re…”
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered29.49%
Median29.49%
Highest offered29.49%
Every fee on this card
Annual fee$95
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Late fee policy: The fee will be either $29 or the amount of your Minimum Payment, whichever is lower. For any other late payment within a rolling six billing cycle period, the late fee will be either $40 or the amount of your Minimum Payment, whichever is lower.
Rewards, benefits and features
Rewards
Travel-related rewards
Other rewards
Services
Access to Free Credit Scores
Discounts on purchases of goods and services (non travel related)
Other
Features
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Choice Privileges Reward Nights
Points Plus Cash Program
Preferred Hotel Group
Airline and Loyalty Program Rewards Redemption
Redeem for Gift Cards
Rewards Gift Vouchers
Magazine Subscriptions
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-642-4720
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 28.49%$854.70
Annual / periodic fees$95
Total yearly cost$949.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
28 documents filed by Wells Fargo Bank, National Association in the 2026 Q1 archive.