Chase vs wells fargo

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Chase vs Wells Fargo

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Chase or Citibank.

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Issuer Comparison: Chase vs. Wells Fargo

If you&#x;re trying to decide between Chase vs. Wells Fargo credit cards, there are more factors to consider than meets the eye. You&#x;ll want to take a close look at the cardholder benefits you can qualify for, yet you should also consider the footprint of the bank you&#x;re considering. Meanwhile, you&#x;ll want to compare the rewards credit cards each of these card issuers offer, as well as how easy they make it to get approved.

Here&#x;s what we think: when it comes to comparing Chase versus Wells Fargo as your future card issuer, it&#x;s best to consider each brand as a whole rather than just limited-time credit card offers that could easily change.

This guide aims to help you do just that. When looking at Chase vs. Wells Fargo, here&#x;s everything you&#x;ll need to know.

Chase: Details and benefits

Chase has more than 4, brick-and-mortar bank branches, as well as over 16, ATMs nationwide. On the credit card front, Chase boasts around 30 different rewards credit cards for individuals and businesses. Some of their cards are offered through its own loyalty program, which is known as Chase Ultimate Rewards. However, Chase also offers co-branded credit cards with airline and hotel programs like Southwest Rapid Rewards, World of Hyatt, Marriott Bonvoy, British Airways and more.

Note that, unlike other credit card issuers, Chase does not offer any secured credit cards or credit cards geared to consumers with poor credit. In fact, all Chase credit cards are geared to people with good or excellent credit.

Another factor to consider when it comes to its credit cards is Chase&#x;s rule for approvals, which is known as the Chase 5/24 rule. This rule states that, if you&#x;ve opened five or more cards within the past 24 months, you won&#x;t be approved for a Chase credit card. Generally speaking, this rule intends to prevent customers from signing up for cards and earning the same sign-up bonuses over and over again.

Also, be aware that some Chase credit card families limit how often you can earn certain bonus offers, and these rules apply on top of the Chase 5/24 rule. For example, cards in the Sapphire family, including the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve®, have this wording in their fine print:

The product is not available to either (i) current cardmembers of any Sapphire credit card, or (ii) previous cardmembers of any Sapphire credit card who received a new cardmember bonus within the last 48 months. If you are an existing Sapphire customer and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new cardmember bonus if you change products.

Chase mobile

Chase has a robust mobile app that makes it easy to monitor your credit card purchases, payments and rewards on the go. If you&#x;re also a Chase banking customer, you can use the app to deposit checks with your mobile device, set up alerts on your account, pay bills and more.

The Chase mobile app comes with added security features like facial recognition or fingerprint sign-in. You can also use the app to instantly lock and unlock your card in the event you misplace your credit card or you suspect fraud has occurred.

Cardholder features and benefits

When it comes to Chase credit cards, the cardholder benefits you can qualify for depend largely on the card you select. However, you should know that many Chase cards come with consumer protections and perks you could easily use.

For example, some Chase credit cards come with extended warranties and purchase protection against damage or theft. Travel benefits you could qualify for include trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, primary auto rental coverage and more. The Chase Sapphire Reserve®, for example, is a premium travel credit card that comes with benefits like airport lounge access, a fee credit for Global Entry or TSA Precheck membership and up to $ in annual travel credits.

Wells Fargo: Details and benefits

Currently, Wells Fargo boasts approximately 5, retail banking branches nationwide. It also has a network of more than 13, ATMs.

In terms of its credit card offerings, Wells Fargo currently offers seven personal credit cards and three business credit cards. Unlike Chase, however, Wells Fargo doesn&#x;t offer any premium travel credit cards with high annual fees. It does offer cards that let you earn travel rewards, as well as cash back credit cards, card options for students and even a secured business credit card. Wells Fargo also offers a travel-themed rewards program known as Wells Fargo Go Far Rewards, which we&#x;ll cover in more detail below.

Like Chase, Wells Fargo has some rules that can limit who can be approved and earn the bonus on rewards credit cards. For example, fine print for the Wells Fargo Propel American Express® card states:

You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers &#x; even if that account is closed and has a $0 balance.

Wells Fargo mobile

Wells Fargo also has its own mobile app for banking and credit card customers. This app lets you track your credit card purchases, manage payments and even lock or unlock your credit or debit cards using your mobile device. If you&#x;re a banking customer, you can use the app to deposit checks, pay bills, transfer funds and more.

In terms of security, the Wells Fargo mobile app also allows for facial recognition and fingerprint sign-ins.

Cardholder features and benefits

By and large, Wells Fargo credit cards don&#x;t come with quite as many perks as most Chase cards offer. However, this is partly due to the fact this card issuer doesn&#x;t offer a premium travel credit card of any kind.

With that being said, common cardholder features include zero liability for fraudulent purchases and chip technology. However, a few Wells Fargo cards come with extended warranties, purchase protection against damage or theft and travel perks like lost luggage reimbursement and car rental loss and damage insurance. The Wells Fargo Propel American Express card also stands alone in offering cell phone protection.

Chase vs. Wells Fargo credit card rewards programs

One major factor to consider when picking a credit card is the type of rewards you&#x;ll earn. This is a huge consideration when comparing Wells Fargo vs. Chase since the two rewards programs are so different.

As you compare credit cards from these two issuers, here are the main details you should know about their rewards programs.

Chase Ultimate Rewards

Once you begin earning points in the Chase Ultimate Rewards program, you can redeem them for travel through the Chase portal, cash back, gift cards, merchandise with Amazon or Apple and more. Your points will never expire provided you keep your account open.

Also, be aware that some Chase travel credit cards come with exceptional redemption options on the travel front. For example, the Chase Sapphire Reserve gives you 50 percent more value for your points when you redeem for travel through Chase, and the Chase Sapphire Preferred and Ink Business Preferred® Credit Card give you 25 percent more value. With the Chase travel portal, you can use your rewards to book flights, hotels, vacation rentals, car rentals and other types of travel.

Each of these travel cards also lets you transfer your points to Chase airline and hotel partners at a ratio. Current Chase transfer partners include:

Airline partners

  • Aer Lingus
  • Air France / Flying Blue
  • British Airways
  • Emirates
  • Iberia Plus
  • JetBlue
  • Singapore Airlines KrisFlyer
  • Southwest Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic

Hotel partners

  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

Generally speaking, Chase Ultimate Rewards points are worth around 2 cents each, according to the monthly points and miles valuations from The Points Guy.

Wells Fargo Go Far Rewards

The Wells Fargo Go Far Rewards program lets you redeem your rewards for travel such as hotel stays, flights and rental cars. You can also redeem your rewards for gift cards or merchandise. There&#x;s even an online auction feature that allows you to bid on items within the Earn More Mall using your rewards points.

Also, note that your points won&#x;t expire with most Wells Fargo cards, but not all. Make sure to read the terms and conditions of your cardholder agreement so you know how to keep your points from expiring.

According to the same monthly valuations from The Points Guy, Wells Fargo Go Far Rewards points are worth around cents each, but you should know that these points do not transfer to airline and hotel partners. This makes Wells Fargo Go Far Rewards considerably less flexible than Chase Ultimate Rewards points earned with premium travel credit cards that allow point transfers.

Which issuer is best for you?

At the end of the day, both Chase and Wells Fargo have credit cards worth signing up for. However, the best card for you really depends on your normal spending habits, how often you travel and the type of rewards you want to earn.

If you are mostly interested in earning cash back, then either issuer could be a good fit for your needs. If you want access to premium travel benefits and flexible rewards, on the other hand, then it&#x;s likely a premium travel credit card from Chase will leave you better off.

The bottom line

Don&#x;t forget to do a little more research before you apply for a Chase credit card or a Wells Fargo credit card. Even with the basic information we&#x;ve shared above, the plethora of card options each issuer offers makes it necessary to compare all your options.

Ideally, a minimal amount of research can help you land the ideal rewards credit card for your needs and goals. Will it be Wells Fargo or Chase in the end? Only you can decide.

The information related to the Wells Fargo Propel American Express card has been collected by Bankrate and has not been reviewed or provided by the issuer or provider of this product or service.

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Chase Bank vs Wells Fargo: Which is Better for You?

It can be hard to start a search for a new bank. Nowadays, there are so many banks to choose from, with online banks adding their names to the ranks of big banks. But if online banking isn’t for you, let’s take a look at two of the biggest names in the financial industry: Chase vs. Wells Fargo.

Who Should Bank With Chase?

You should consider banking with Chase if you want the convenience of over 5, branches and 16, ATMs in 26 U.S. states. Chase also offers an easily navigable website and mobile app to make accessing your money at any time simple.

You’ll have a variety of accounts to choose from if you bank with Chase. The bank has two savings account options, four checking accounts (including two student accounts) and CD terms ranging from one month to months. Do keep in mind that each Chase account requires a minimum deposit to open. Every account, except the CDs, also charges a monthly fee. These fees range from $5 to $ There are a number of ways you can have each fee waived. This often includes maintaining a certain account balance or completing certain transactions.

Like most other big banks, Chase falls short when it comes to offering high-earning savings accounts. Its basic savings account earns at a mere % APY. You can earn higher rates with a Chase Premier Savings account, by linking a checking account and/or increasing your balance. The highest rate goes to those with balances over $,

Who Should Bank With Wells Fargo?

If you’re looking for more branches in more U.S. states, Wells Fargo could be the bank for you. The bank has over 6, physical branches and 13, ATMs in 40 states. You’ll also have access to thorough online and mobile offerings to access your money easily.

Wells Fargo allows you to take your pick of the bank accounts that work best for you. It offers two savings accounts, three CD accounts – each available in various term lengths – five checking account options and three IRAs. You can also open a Teen Checking account with Wells Fargo, to keep your family’s bank accounts at the same institution.

Each Wells Fargo account has a required minimum deposit to open the account, typically around $ Each account, except the CDs, also charges a monthly maintenance fee, ranging from $2 to $ You can have these fees waived in a number of ways, like maintaining a minimum balance or setting up direct deposit.

Despite its perks, Wells Fargo won’t be the bank for you if you’re looking for the best interest rates a bank can offer. Its highest rates come with some special CDs. You can often boost your rates by linking accounts or having high account balances. On the whole, though, the bank offers some low to mediocre interest rates.

Chase vs. Wells Fargo: Bank Accounts

Chase Bank vs Wells Fargo: Which is Better for You?

Both banks offer simple savings accounts and checking accounts to allow you to save and manage your money at the same institution. All your deposits to these banks are also FDIC-insured. However, Wells Fargo outperforms Chase with a wider variety of bank accounts available to its customers. Not only does Wells Fargo offer bank account IRAs (which Chase lacks), but Wells Fargo offers more choices of both CDs and checking accounts.

Wells Fargo offers its IRAs as CDs, a simple Way2Save® Retirement Savings Account and a Retirement High Yield Savings Account. These options allow you to open the account (or accounts) that work best for you and your retirement goals.

Wells Fargo’s Special CDs earn at much higher rates than the bank’s Standard CDs. The bank’s Step Rate CD earns at higher rates as well, plus has a rate boost every six months. Additionally, you can earn Bonus Rates with each CD account by linking a Portfolio by Wells Fargo® checking account. In comparison Chase’s CD offerings are only able to earn at better rates with larger balances or when you link your CD to a Chase checking account.

When it comes to checking accounts, both banks offer options for kids. Chase offers its High School Checking and College Checking accounts and Wells Fargo has its Teen Checking account. Wells Fargo does offer one more checking account type as well, the Opportunity Checking® account to help those with bad banking history or low funds.

Chase vs. Wells Fargo: Fees

While both banks charge monthly maintenance fees for their accounts, Wells Fargo fees tend to be lower. The bank also offers better opportunities to have the fees waived. For example, its Platinum Savings account charges a $12 monthly fee which you can have waived by maintaining at least $3, in the account. On the other hand, the Chase Premier Savings account charges a $25 monthly fee, waivable with either a minimum daily balance of at least $15, or a linked Chase Premier Plus Checking or Chase Premier Platinum Checking account. Wells Fargo makes it easier to waive the fee, but even if you can’t meet the requirement, the fee won’t take out as big of a chunk of your savings as Chase’s fee will.

Neither Chase nor Wells Fargo charges a fee to own a CD account. However, always be aware of the penalties you could face for early withdrawal. This is often a certain number of days of simple interest, lessening your withdrawal significantly.

Chase vs. Wells Fargo Fees
Basic Checking Account$12 per month, (three ways to have fee waivesd)$10 per month, (four ways to have fee waived)
Basic Savings Account$5 per month, (four ways to have fee waived)$5 per month, (three ways to have fee waived)
Non-bank ATM in the U.S.$ per transaction$ per transaction

Chase vs. Wells Fargo: Interest Rates

Chase and Wells Fargo offer relatively low interest rates when compared to many of their competitors. This is largely due to the costs of being a big bank with thousands of branches and employees. Essentially, the highest rates are reserved for each bank’s CDs. Both banks’ simple savings accounts earn at a % APY, the lowest you can go. A step up from there is Chase Premier Savings and Wells Fargo Platinum Savings. The Chase Premier Savings account earns at a % APY, unless you link the account with a Chase Premier Plus Checking or Chase Premier Platinum Checking account to unlock balance tiers with higher rates.

Each bank has two interest-earning checking accounts. Both Chase accounts, Chase Premier Plus Checking and Chase Premier Platinum Checking earn at a % APY. The same is true for the Wells Fargo Preferred Checking Account, on account balances of $ and over. However, the Portfolio by Wells Fargo® Checking Account allows customers to earn up to %, depending on your balance.

The Takeaway

Chase Bank vs Wells Fargo: Which is Better for You?

When it comes to deciding between Chase vs. Wells Fargo for your banking needs, your decision will ultimately come down to your specific preferences. If you’re looking for better rates and lower fees, Wells Fargo will likely be your best bet. Wells Fargo also has a wider variety of bank accounts to choose from. However, whether you choose Chase or Wells Fargo, you can rest easy knowing you’ll always have quick and easy access to your accounts. Both banks have thousands of ATMs and branches throughout the U.S., plus their excellent mobile and online features.

Next Steps

  • If you’re unsure which bank to go with, it helps to evaluate your financial situation. Do you need a free checking account? Or do you need to save more with a high-interest savings account? Answering these kinds of questions can help narrow down your search.
  • Sometimes a bank isn’t the right option for you. In that case, you can check out your local credit unions. These offer more of a community feel to your banking experience. You can also likely secure much higher rates than you’ll receive with Chase or Wells Fargo.
  • Remember you’ll need more than just a quality bank to grow your money and get ready for retirement. A financial advisor is also a crucial piece of the equation. A matching tool like SmartAsset’s can help you find a person to work with to meet your needs. First you’ll answer a series of questions about your situation and your goals. Then the program will narrow down your options to three fiduciaries who suit your needs. You can then read their profiles to learn more about them, interview them on the phone or in person and choose who to work with in the future. This allows you to find a good fit while the program does much of the hard work for you.

Photo credit: ©, © KIZILKAYA, ©

Wells Fargo Duo vs Chase Duo - Best Credit Card Combo

Chase vs. Wells Fargo

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Chase and Wells Fargo are two of the Big Four US banks and are among some of the most popular banks in the industry. They both offer a wide array of banking products but there are a few differences that could make or break your decision on who to bank with.


  • More ATMs. Chase has a network of over 16, ATMs, the largest of the Big Four banks.
  • Branches in more states. Chase has branches across 38 states, compared to Wells Fargo‘s presence across 36 states.
  • Signup bonuses. Chase offers signup bonuses on its checking and savings accounts.
  • Lower opening deposits on CDs. You’ll only need $1, to open a CD at Chase compared to $2, at Wells Fargo
  • Slightly lower rates. While both banks have very low interest rates, Chase‘s are slightly lower than Wells Fargo‘s.
  • Fewer total branches. Chase has about fewer branches across the US than Wells Fargo does.
  • Higher monthly fees. Monthly fees on Chase‘s checking and savings accounts are higher than Wells Fargo‘s.

Wells Fargo

  • More branches. Wells Fargo has over 5, branches, edging out Chase‘s network of roughly 5, branches.
  • Higher rates. Wells Fargo‘s Platinum savings account is slightly higher than Chase‘s savings account.
  • Lower monthly fees. Wells Fargo‘s checking and savings accounts generally have lower monthly fees than Chase‘s.
  • Fewer ATMs. Wells Fargo only has 13, ATMs compared to Chase‘s 16,
  • In fewer states. Wells Fargo currently has branches in 36 states, which is shy of Chase‘s presence in 38 states.
  • Higher CD opening deposits. You’ll need to deposit at least $2, to open a Standard CD.
  • Fewer opening bonuses. You won’t find as many signup bonuses as you would with Chase.
Chase‘s two savings accounts only pay % APY, or up to % with a balance of at least $, Wells Fargo on the other hand, has three accounts that pay % to %, but up to % APY on the Platinum Savings account with a balance of $25, or more.

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Winner: Wells Fargo

Both banks offer three checking accounts but Wells Fargo comes out ahead due to its options for teens and customers who don’t qualify for standard accounts.

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Winner: Wells Fargo

Both banks offer several business checking accounts but Wells Fargo is the clear winner due to its lower monthly fees and higher transaction limits. For example, a large businesses that has up to transactions a month can expect to pay a $40 monthly fee with Wells Fargo versus a $95 monthly fee with Chase.

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Winner: Wells Fargo

Both banks offer multiple business checking accounts, but Chase‘s rates are slightly higher than Wells Fargo‘s.

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Winner: Chase

Both banks offer similar banking products but Wells Fargo has a broader range of account options. Here’s what you can expect to find at each institution:


Wells fargo vs chase

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Chase Vs Wells Fargo - Is Wells Fargo Travel Portal Better?

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