Updated September 28, 2026 · SumCue Editorial Team
Kogan.com vs Wells Fargo
Kogan.com
Wells Fargo
Higher score in this comparison
What sets them apart
| Compare | Kogan.comReviewSee alternativesSee alternatives | Wells FargoReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | A$0 | $0 |
| APR | 21.99% | 18.74% to 28.74%Lower |
| Currency conversion fee | 3.4% | 3%Lower |
| Rewards type | Points | Cashback |
| Rewards rate | 2 Kogan points per $1 on Kogan.com purchases, 1 point per $1 elsewhere; 1,000 points = $10 | 2% cash rewards |
| Balance transfer intro period | 18 monthsHigher | 12 months |
| Balance transfer fee | 2% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Perks | Complimentary Kogan First membership, 4 free additional cardholders, 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments, Apple Pay and Google Pay compatible, Zero Liability and FRAUDSHIELD fraud protection | Not confirmed |
| Cashback rate | Not confirmed | 2% |
Same on both: Card kind (Credit).
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Key differences
- Wells Fargo scores higher overall: 9.3 vs 9.1.
- Founded is lower at Wells Fargo: 1852 vs 2006.
- Kogan.com is available in 2 more countries.
- APR is lower at Wells Fargo: 18.74% to 28.74% vs 21.99%.
- Currency conversion fee is lower at Wells Fargo: 3% vs 3.4%.
- Balance transfer intro period is higher at Kogan.com: 18 months vs 12 months.
Our verdict on each
Kogan.com
Kogan.com suits Australian households who want personal insurance and a rewards card handled in one place, and holding the card costs nothing. The catch is the interest rate: the Kogan Money card charges an APR of 21.99%, against a site median of 15.5% across cards.
Wells Fargo
Wells Fargo suits US customers who want one bank for a rewards card, easy-access checking and a fixed-rate personal loan. Deposits sit under FDIC protection, and the card pairs an annual fee of $0 with 2% cash rewards at an APR of 18.74% to 28.74%.
Score breakdown
| Area | Kogan.com | Wells Fargo |
|---|---|---|
| Cost | Not confirmed | 8.8 |
| Offer | 9.6Higher | 9.1Annual fee of $0 plus 2% cash rewards on spending, against a card APR of 18.74% to 28.74% that is high for the market. |
| Trust | 8.8 | 9.9Higher |
Pick Kogan.com if, pick Wells Fargo if
Pick Kogan.com if balance transfer intro period matter most.
Pick Wells Fargo if apr and currency conversion fee matter most.
Availability and regulation
| Country | Kogan.com | Wells Fargo |
|---|---|---|
| United States | Not confirmed | FDIC FDIC cert 27389 |
Available in 1 country for both. Additional countries for Kogan.com: 2.
Spending 1,000 abroad
Kogan.com
34
3.4% of 1,000
Wells Fargo
30
3% of 1,000
Wells Fargo comes out 4 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
If neither fits
HSBC Classic Credit Card has balance transfer intro period at 17 to 36 months, against 18 months for Kogan.com and 12 months for Wells Fargo.
HSBC Classic Credit Card reviewWhat we checked
Kogan.com
- finder.com.au: 12 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- abr.business.gov.au: 1 fact, checked September 26, 2026
Wells Fargo
- creditcards.wellsfargo.com: 6 facts, checked September 26, 2026
- wellsfargo.com: 6 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
How they place
| Ranking | Kogan.com | Wells Fargo |
|---|---|---|
| Credit and debit cards | 410 of 1594 | 272 of 1594 |
| Balance transfer cards | 14 of 32 | 8 of 32 |
Every fact side by side
| Fact | Kogan.com | Wells Fargo |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | Kogan.com Ltd | Wells Fargo National Bank West |
| Headquarters | Australia | United States |
| Founded | 2006 | 1852Lower |
| Support channels | Not confirmed | Phone, Help centre |
Loans
| Fact | Kogan.com | Wells Fargo |
|---|---|---|
| Loan amount | Not confirmed | $3,000 to $100,000 |
| Term | Not confirmed | 12 to 84 months |
| Arrangement fee | Not confirmed | 0 USD |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Same day as approval for most customers |
| Representative example | Not confirmed | Unsecured personal loan: $17,000 over 48 months at 13.99% APR, monthly payment $464 |
| Rate type | Not confirmed | Fixed |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Existing customers only: must have been a Wells Fargo customer for at least 12 months |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Debt consolidation |
| Use cases | Not confirmed | Home improvement |
Savings
| Fact | Kogan.com | Wells Fargo |
|---|---|---|
| Deposit protection | Not confirmed | FDIC up to USD 250,000 |
| Access terms | Not confirmed | more ways to access your money |
| Monthly fee | Not confirmed | $5 |
| Account kind | Not confirmed | Easy access |
Debit cards
| Fact | Kogan.com | Wells Fargo |
|---|---|---|
| Free ATM withdrawals | Not confirmed | $0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Mortgages
| Fact | Kogan.com | Wells Fargo |
|---|---|---|
| Fixed period | Not confirmed | 30 years |
| Maximum loan to value | Not confirmed | 100% |
| Purpose | Not confirmed | Purchase, Remortgage, First time buyer, Home equity |
Where each stands against the rest
| Fact | Kogan.com | Wells Fargo | Median |
|---|---|---|---|
| APR | 21.99%highest quarter | 18.74% to 28.74%above the median | 11.635% |
| Currency conversion fee | 3.4%highest quarter | 3%highest quarter | 1% |
| Balance transfer intro period | 18 monthsabove the median | 12 monthsat the median | 12 months |
| Balance transfer fee | 2%below the median | Not confirmed | 3% |
| Cashback rate | Not confirmed | 2%above the median | 1.5% |
Median across 486 listed providers.
Pros and cons
Kogan.com
Pros
- The annual fee on the card is AUD 0 and the model is no annual fee.
- Cover spans auto, home and landlord, with Kogan.com acting as broker.
- Complimentary Kogan First membership, 4 free additional cardholders and 6.99% p.a. for up to 24 months on Kogan.com purchases of $50 or more paid by instalments adds complimentary Kogan First membership, free additional cardholders and a promotional instalment rate on Kogan.com purchases.
Cons
- The APR of 21.99% sits well above the site median of 15.5% across cards.
- Balance transfers cost 2% each, and the promotional window runs 18.
- Currency conversion on overseas spend is 3.4%, at the high end of the card range.
Wells Fargo
Pros
- Personal loans carry an arrangement fee of 0 USD and free early repayment, with funding Same day as approval for most customers.
- Deposits are covered by FDIC up to USD 250,000, and the bank is listed as FDIC cert 27389.
- A 12 month introductory period applies to balance transfers on the card.
Cons
- The card APR of 18.74% to 28.74% is steep for a card with no annual charge, so a balance carried month to month costs a lot.
- Personal loans are for existing customers who have been with the bank for a waiting period, which rules out new applicants.
- Support runs on phone and help centre only.
Who each suits
Kogan.com
Who it suits
- Anyone who wants auto, home and landlord arranged through one place rather than separate providers.
- People already shopping Kogan, since the points are weighted towards Kogan.com purchases.
- Card holders who clear the balance each month, as the annual fee is AUD 0 but the rate is 21.99%.
Who should look elsewhere
- Linxea, if you want life cover arranged on its own rather than through a broker.
- Oney Préstamos ES, if health, life and gadget cover, per health, life and gadget, matter more to you than auto and home.
- Euroasia Insurance, if you need only auto, home, travel and gadget policies, per auto, home and travel.
Wells Fargo
Who it suits
- US customers already banking with Wells Fargo who want a rewards card and loans from the same lender.
- Households holding savings, since deposits carry FDIC up to USD 250,000.
- People planning a home purchase or remortgage, as the listed mortgage purposes are purchase, remortgage and first time buyer.
Who should look elsewhere
- Not for applicants with no credit history, since personal loans run a hard credit check, while Varo Believe Secured Credit Card is aimed at rebuilding credit.
- Not for euro or sterling spenders: bunq and Wise both charge an annual fee of €0 and £0, while Wells Fargo is a US bank.
Current offers
Wells Fargo
Current offer
Bonus
Active Cash Card $100 cash rewards bonus: $100
spend $500 in purchases in the first 3 months
Source, checked September 26, 2026
Country by country
| Country | Kogan.com | Wells Fargo |
|---|---|---|
| Australia | Yes | No |
| New Zealand | Yes | No |
| United States | Yes | Yes |
Questions about each
Kogan.com
Does the Kogan Money card have an annual fee?+
Nothing to pay for the card itself. The annual fee is AUD 0 and no annual fee is the model, so there is no yearly charge for holding it. What you do pay for is interest on a carried balance, plus any fee attached to a balance transfer.
What interest rate do I pay on the Kogan Money card?+
The APR is 21.99%, which sits above the site median of 15.5% across cards. That rate applies to anything carried from statement to statement, so the card only pays off if you clear the balance each month. The balance transfer offer runs for 18 at a fee of 2%.
Wells Fargo
What does the Wells Fargo credit card cost to keep?+
The Active Cash card has an annual fee of $0 and pays 2% cash rewards on spending. Borrowing on it costs an APR of 18.74% to 28.74%, which is high for a card with no annual charge. Rewards are cashback, so you get money back rather than points or miles.
Is there an interest-free period for balance transfers?+
The Active Cash card terms set an introductory balance transfer period of 12. That window is for balances you move onto the card, so plan the transfer before it ends. Afterwards the standard rate on the balance takes over.
Other options to compare
Other matchups
Kogan.com
Wells Fargo