Best Wells Fargo credit cards of November 2024
There are many great credit card options from the major banks in the U.S. — and that’s why we’ve compiled a list of the best Wells Fargo credit cards for you. Whether you want to earn cash-back rewards or more flexible points to cover your trips, Wells Fargo has a lot to offer. You can even earn points on rent, one of the biggest expenses for many Americans.
If you’re looking for a new credit card, consider adding one of these top cards from our partner Wells Fargo to your wallet today.
- Wells Fargo Autograph Journey℠ Card: Best for unlimited point earning
- Wells Fargo Active Cash® Card: Best for simple cash rewards
- Wells Fargo Reflect® Card: Best for balance transfers
- Wells Fargo Autograph℠ Card: Best for travelers
- Bilt Mastercard®: Best for renters
- One Key™ Card: Best for Expedia loyalists who want a card with no annual fee
- One Key+™ Card: Best for Expedia enthusiasts
- Signify Business CashSM Card by Wells Fargo: Best for small business owners
Browse by card categories
Best for unlimited point earning
| 5X | Earn unlimited 5X points on hotels |
| 4X | Earn unlimited 4X points on airlines |
| 3X | Earn unlimited 3X points on other travel and restaurants |
| 1X | Earn 1X points on other purchases |
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Pros
- No foreign transaction fees
- Uncapped earning potential
- $50 annual statement credit
- Solid point earning rates in popular categories
Cons
- This card features an annual fee
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Best for simple cash rewards
| 2% | Earn unlimited 2% cash rewards on purchases |
The Wells Fargo Active Cash card is a great option for simple cash rewards. With the Active Cash’s flat 2% cash rewards on purchases, you won’t have to worry about maximizing your spending. It can also be a great addition to your wallet if you are looking to fill in the earning gaps of more specialized cards. As a Visa Signature® card, the Active Cash also provides benefits like cellphone protection and Visa’s Luxury Hotel Collection. Read our full review of the Wells Fargo Active Cash.
Pros
- No annual fee
- Flat-rate cash rewards
- Up to $600 cellphone protection against damage or theft (subject to a $25 deductible)
- Welcome bonus
Cons
- No bonus categories
- Fixed-value rewards
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best for balance transfers
The Wells Fargo Reflect is a good option for cardholders who are looking to consolidate their debt or finance a large purchase. The card offers an 0% introductory annual percentage rate on purchases and qualifying balance transfers made within the first 120 days for 21 months from account opening (then a variable APR of 17.49%, 23.99%, or 29.24% applies). While the card does not feature a rewards program, it offers no annual fee and even includes cellphone protection. Read our full review of the Wells Fargo Reflect.
Pros
- No annual fee
- Introductory APR offer of 21 months on purchases and qualifying balance transfers
- Up to $600 cellphone protection against damage or theft (subject to a $25 deductible)
Cons
- No welcome bonus
- No points or cash rewards
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Best for travelers
| 3X | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. |
| 1X | Earn 1X points on other purchases |
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Pros
- Lucrative earning structure
- Welcome bonus
- No annual fee
Cons
- Fixed-value rewards
- Limited benefits and perks
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%, or 29.49% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Best for renters
| 3X Points | 3x points on dining |
| 2X Points | 2x points on travel |
| 1X Points | 1x points on other purchases |
| 1X Points | Earn 1x points on rent without the transaction fee, up to 100,000 points in a calendar year. When you use the card 5 times each statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases. |
The Bilt Rewards Mastercard is a credit card that allows renters to earn one point per dollar on their rent payments, without incurring credit card transaction fees. In addition, you can earn 3 points per dollar on dining and 2 points per dollar on travel (must make five transactions per statement period to earn points). Bilt Rewards points are transferable points and can be transferred to 12 airline partners and four hotel partners. Despite having no annual fee, the Bilt Rewards card features great travel and dining benefits like Trip Cancellation and Interruption Protection and World Elite Mastercard Concierge Service. Read more about the Bilt Rewards card here.
Pros
- Earn points on rent with no transaction fees
- Multiple bonus categories
- Transfer points to multiple travel partners
- Variety of travel benefits
Cons
- No welcome bonus
- Must make five purchases per statement period to earn points
- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earns 3x points on dining
- Earn 2x points on travel
- Earn 1x points on other purchases
- Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
- Select "Apply Now" to learn more about the product features, terms, and conditions
- Rates & Fees. Rewards & Benefits.
Best for Expedia loyalists who want a card with no annual fee
| 3% | Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo |
| 3% | Earn 3% in OneKeyCash at gas stations, grocery stores, and on dining |
| 1.5% | Earn 1.5% in OneKeyCash on other purchases |
If you’re into booking your travel experiences through Expedia, Hotels.com or Vrbo, the One Key™ Card is a solid product that’ll help you earn rewards within Expedia’s OneKey program — all for no annual fee.
Pros
- Solid earning rates across multiple popular bonus categories
- Easy-to-earn welcome offer
- No annual fee
Cons
- Redemption options limited to OneKeyCash only
- Few added benefits
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
- Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases.
- $0 annual fee.
- Get Automatic Silver tier in the One Key rewards program with savings of 15% or more with Silver Member Prices on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
- No foreign transaction fees.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Best for Expedia enthusiasts
| 3% | Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo |
| 3% | Earn 3% in OneKeyCash at gas stations, grocery stores, and on dining |
| 2% | Earn 2% in OneKeyCash on other purchases |
The One Key+™ card is the more premium of the two credit card options offered by the Expedia Group, which consists of Expedia, Hotels.com and Vrbo. This card earns 3% OneKeyCash on Expedia, Hotels.com and Vrbo purchases as well as 3% on gas, dining and groceries.
All other purchases earn 2% in OneKeyCash. The card also comes with a fair OneKeyCash welcome bonus after you meet the spending requirements, but it’s worth noting that OneKeyCash can only be redeemed on Expedia, Hotels.com and Vrbo, which makes for very limited redemption options.
Pros
- No foreign transaction fee
- Automatic Gold status
- $100 in OneKeyCash on each cardholder anniversary
- Trip protection coverage, including trip cancellation and interruption
Cons
- Limited earning and redemption options
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
- Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 2% in OneKeyCash on other purchases.
- $99 annual fee.
- Get Automatic Gold tier in the One Key rewards program with savings of 20% or more with Gold Member Prices on over 10,000 hotels worldwide. Unlock Platinum when you spend $30,000 per calendar year.
- Get $100 in OneKeyCash each year upon your cardholder anniversary.
- Receive one statement credit up to $120 for Global Entry® or TSA PreCheck®
- No foreign transaction fees.
Best for small business owners
Signify Business CashSM Card by Wells Fargo
| 2% | Earn unlimited 2% cash rewards on purchases made for your business with no categories to track, and no limit to the amount of rewards you can earn |
Pros
- No annual fee
- Introductory 0% APR on purchases within the first 12 months of account opening
- Welcome bonus
Cons
- Foreign transaction fee
- No bonus categories
- Exclusively available to Wells Fargo checking or savings account holders for online applications.
This business cash-back card comes with no annual fee, flat 2% cash rewards on purchases, a welcome offer and so much more. Whether you’re looking for an elevated cash-rewards card or a business travel companion that comes loaded with primary rental car insurance and delayed baggage reimbursement, the Signify Business CashSM Card by Wells Fargo has got you covered.
Comparing the best Wells Fargo cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo's secure site | unlimited point earning | 60,000 bonus points Open Intro bonus Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. | 1 - 5X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo's secure site | simple cash rewards | $200 cash rewards Open Intro bonus Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months | 2% cash rewards | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo's secure site | balance transfers | N/A | N/A | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo's secure site | travelers | 20,000 bonus points Open Intro bonus Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. | 1 - 3X points | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bilt's secure site | renters | N/A | 1 - 3X points | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo's secure site | Expedia loyalists who want a card with no annual fee | Earn $300 in OneKeyCash™ Open Intro bonus Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms. | 1.5 - 3% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Wells Fargo's secure site | Expedia enthusiasts | Earn $400 in OneKeyCash™ Open Intro bonus Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms. | 2 - 3% cash-back | $99 |
Signify Business CashSM Card by Wells Fargo * *The information about the Signify Business CashSM Card by Wells Fargo has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. Information updated as of 11/18/2024 | small business owners | $500 cash rewards Open Intro bonus Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months. | 2% cash-back | $0 |
More details on the best Wells Fargo credit cards
The Autograph Journey offers cardholders the chance to earn elevated rates across travel categories, including 5 points per dollar spent on hotels, 4 points per dollar on airline purchases and 3 points per dollar on restaurants and 'other travel' which includes timeshares, car rentals, cruise lines, travel agencies, discount travel sites and campgrounds. On top of this, cardholders also get the added benefit of earning a flat rate of 1 point per dollar on other purchases for a $95 annual fee.
If you travel frequently and are looking for a card to help you rack up points you can redeem for future travel, this card is a decent option. Additionally, those looking for a way to fill gaps in their points-earning strategy will benefit from the flat 1 point per dollar spent on other purchases outside of the main travel categories.
"I love transferable points, so I was thrilled at the prospect of adding a new currency to my wallet that I can convert to valuable rewards like British Airways Avios and Air France/KLM Flying Blue. Plus, I can earn 5 points per dollar on hotels and enjoy an up to $50 airline credit each year." — Nick Ewen, Senior editorial director
If you're looking for a more general use credit card with no annual fee, consider the Wells Fargo Active Cash® Card (see rates and fees). It earns a flat rate of 2% cash rewards on purchases, making it an excellent choice to help fill gaps in your reward-earning strategy. The best part? Like the Autograph Journey card, the Active Cash Card doesn't put a cap on the amount of cash back you can earn.
The Active Cash card is a great pick for credit card beginners who want a simple cash back card. It offers a flat 2% back on purchases so you don’t have to overthink your credit card earning strategy. In addition, the card offers additional perks like cellphone protection, all with no annual fee.
Credit card beginners or people who are looking for a simple credit card strategy would benefit from the simple earning scheme on the Active Cash.
“This card offers a generous 2% in cash rewards. When the time came to pay my daughter’s preschool tuition, I got the card. I figured I could charge this expense on the card and get 2% back. It was a no-brainer for me!” - Eileen Sullivan, Senior UX researcher
If you are looking for a credit card with a simple earning model, consider the Citi Double Cash® Card (see rates and fees) which also offers unlimited cash back of 2% on all purchases (1% when you buy; 1% when you pay your bill). The flexible earning structure of this card makes it a solid option for maximizing rewards since it could fill gaps in your earnings strategy.
The Wells Fargo Reflect card offers one of the longest introductory APR periods for both balance transfers and new purchases. It offers a 0% introductory APR on purchases and qualifying balance transfers within the first 120 days for 21 months from account opening (then a variable APR of 17.49%, 23.99%, or 29.24% applies). The card also comes with cellphone protection and no annual fee.
The Wells Fargo Reflect’s long introductory APR period makes it a great pick for cardholders who are looking to refinance their debt or finance a large purchase.
New cardholders could potentially save thousands in interest with this long introductory APR period.
If you are not a Wells Fargo user, Citi offers the Citi® Diamond Preferred® Card (see rates and fees), which features a 0% introductory APR for new purchases for the first 12 months of account opening, and 0% introductory APR for 21 months from the date of the first transfer for balance transfers completed within the first four months of account opening. A variable APR of 17.49% to 28.24% will apply after.
The Wells Fargo Autograph is a great way to start earning travel rewards. It has a welcome bonus, bonus earnings on multiple categories and Visa Signature® benefits — all for no annual fee.
Credit card users that are looking for a simple introduction into the world of travel rewards would benefit from the Autograph’s lucrative earning structure, simple redemption options and no annual fee.
If you are looking to dip your toes into travel rewards, you are probably looking for a travel-focused card without a high annual fee and decent benefits. The Wells Fargo Autograph is a great card for new travelers, as it features bonus earning, cellphone protection and no annual fee.
If you are looking for a card with more benefits, consider the Capital One Venture Rewards Credit Card. The miles earned can be redeemed for travel, and the card also comes with a reimbursement fee for Global Entry or TSA PreCheck. It does feature a $95 annual fee (see rates and fees).
The Bilt Mastercard allows you to earn points on your rent, generally a large monthly expense, without transaction fees. In addition, you can earn elevated rewards on travel and dining. The Bilt Mastercard is a great way for renters to get cash back on their largest expenses, and the card comes with many travel benefits and no annual fee!
Renters who are looking for a way to earn travel rewards on their rent, without transaction fees, can find a lot of benefits in this card.
The Bilt card can be a great addition to your wallet because no other card lets you earn on rent as widely. In addition, it comes with travel and Cellular Telephone Protection while featuring no annual fee — making this card a no-brainer for any renter’s wallet.
Unfortunately, there is no other credit card like the Bilt Mastercard. If you are looking for a simple cash-back card and your landlord takes credit cards without charging a transaction fee, consider the Citi Double Cash® Card (see rates and fees) which earns 2% back on all purchases (1% when you buy and 1% when you pay your bill).
The One Key Card features easy-to-earn rewards in OneKeyCash, which can be redeemed on purchases across popular travel services Expedia, Hotels.com or Vrbo.
Those who regularly book with Expedia, Hotels.com or Vrbo will enjoy the ease of earning rewards to redeem on those purchases.
If you frequently spend within Expedia’s OneKey ecosystem, you’ll quickly rack up rewards to redeem in the future. In addition to earning 3% in OneKeyCash on purchases with Expedia, Hotels.com and Vrbo, you’ll also earn 3% OneKeyCash at gas stations, grocery stores and on dining on top of 1.5% on all other purchases.
If you’re looking for more perks within the One Key rewards program, you could opt for the One Key+™ Card instead, but it’s worth noting that it comes with a $99 annual fee (see rates and fees).
The One Key+™ card is a decent travel credit card for those who prioritize booking flights, stays and other travel via Expedia, Hotels.com and Vrbo. Additionally, the One Key+™ features no foreign transaction fees, automatic Gold status and a Global Entry/TSA PreCheck statement credit for a reasonable annual fee of $99.
The One Key+™ card might not have any standout benefits but can be a good option for travelers who regularly use Expedia, Hotels.com and Vrbo and want to get the most out of their spending on these platforms.
The Expedia Group sometimes offers decent prices on travel bookings and your savings can be even greater when you use the One Key+™ card.
If you’re looking for a reasonable mid-tier travel credit card but want more flexibility in terms of redemption options, consider the Chase Sapphire Preferred® Card. The Sapphire Preferred offers great travel perks and benefits and a comparable annual fee of $95.
This cash rewards card is both a great travel and business card — all while featuring no annual fee and tons of perks and benefits.
*The information for the Signify Business CashSM Card by Wells Fargo has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
This card is for a small business owner who is looking to earn elevated cash rewards on their business purchases. Additionally, this card can be a great no annual fee travel business card with its lengthy list of travel-related perks and benefits.
The Signify Business CashSM Card by Wells Fargo should be in your wallet if you’re looking for a no annual fee business card that punches above its weight and can double as a travel business card.
If your business is looking for a travel business credit card and don’t mind a high annual fee for premium benefits, consider The Business Platinum Card® from American Express. It comes with many similar travel perks but also includes lounge access, annual statement credits and way more.
Maximizing Wells Fargo credit cards
Choose the right card for your spending habits
Some Wells Fargo credit cards have serious earning potential, especially when you take advantage of designated days on specific cards that double the points you can earn.
Are you looking to consolidate debt or cover the cost of a big-ticket item without needing to worry about high APRs? There’s a Wells Fargo credit card to help with that. Maybe you order takeout more than you cook at home or spend a lot filling up your gas tank — Wells Fargo has cards that offer higher reward rates in key categories, so you’ll earn more points on money you’re already spending anyway.
Consider getting multiple Wells Fargo credit cards
While it may take some planning, strategically using your multiple Wells Fargo credit cards can help you maximize your earning potential. You can designate one Wells Fargo card as your go-to for transferable rewards, while another can serve as a no-annual fee, unlimited flat-rate rewards card.
Use your Wells Fargo credit card to suit your lifestyle
Wells Fargo offers credit cards to suit every lifestyle, whether you’re a frequent traveler, master of cash back, or simply want to take advantage of generous welcome offers. Perks like phone protection can provide ease of mind when traveling, while having access to a portfolio of luxury hotels can make choosing your next getaway even easier.
How we rate cards
Types of Wells Fargo credit cards
Wells Fargo offers multiple types of credit cards, but it’s up to you to figure out which one is best for your situation.
Cash rewards cards typically earn rewards in the form of cash back. The Wells Fargo Active Cash® Card is a great example of this type of card. You earn 2% cash rewards on purchases you make on the card. For example, if you make a $100 purchase, you would earn $2 back in rewards.
Earned cash-back is typically awarded in the form of a deposit to your bank account or as a statement credit.
Travel rewards are a more complex form of rewards. Typically, travel rewards are earned in the form of points or miles which can then be used toward travel (or other redemption options). However, the exact type of rewards you earn and how you can use them depends on the specific card.
For example, the Wells Fargo Autograph Card earns points on a variety of purchases, but those can only be redeemed for a fixed value.
On the other hand, the Bilt Mastercard earns transferable Bilt Rewards points, which can be redeemed for travel directly through Bilt or transferred to the program’s participating travel partners. Transferable points give cardholders greater flexibility to redeem rewards.
Credit card debt can be debilitating with its steep interest rates and sky-high fees. You should aim to never carry a credit card balance, but a balance transfer card can be a good fit for those struggling to get out of existing credit card debt.
The Wells Fargo Reflect® Card offers a 0% introductory APR for 21 months on both new purchases and qualifying balance transfers made within the first 120 days of account opening (there's a balance transfer fee of 5%, minimum $5). Following the introductory period, you’ll face a variable APR of 17.49%, 23.99%, or 29.24%, depending on your creditworthiness. If you transfer an existing balance from another card, you can start making aggressive payments on this credit card debt without being shackled by high-interest rates and extra fees. This can potentially save you hundreds of dollars in interest — as long as you finish paying off the entire balance by the end of the introductory period.
Wells Fargo credit card benefits
Cellphone protection
Many Wells Fargo cards come with cellphone protection. This typically requires paying your monthly service bill with an eligible card, but you’re then covered for loss, theft or damage to any phone on that account. Each claim is capped at $600, and you’ll face a $25 deductible with each one.
Related: The best credit cards for paying your cellphone bill
Visa Signature® benefits
Many Wells Fargo credit cards are Visa Signature® cards, which makes them eligible for a number of additional benefits. This can include access to Visa’s Luxury Hotel Collection as well as travel and purchase protections.
How to choose the best Wells Fargo card
- You don’t need a card with an annual fee to start earning on your spending today. Most of our Wells Fargo credit cards do not feature an annual fee.1Annual fee
- Some of our best Wells Fargo cards earn a modest welcome bonus and require a relatively low spend. This can be a great option if you are not a big spender.2Welcome bonus
- Most of our best Wells Fargo cards can help you earn rewards in categories like dining, travel and more. The Bilt credit card helps you earn one point per dollar on your rent payment without the hassle of added credit card transaction fees.3Bonus categories
Pros + cons of Wells Fargo credit cards
Pros
- Wells Fargo credit cards can earn you cash back or travel rewards on every purchase you make.
- Some Wells Fargo credit cards provide cellphone protection and other coverage.
- Many Wells Fargo cards provide bonus rewards on select purchases.
- You can use one Wells Fargo card — the Bilt Mastercard — to pay your rent and earn points.
Cons
- Using a Wells Fargo card irresponsibly and spending beyond your means can incur high interest charges and damage your credit score.
- Wells Fargo doesn’t have its own transferable rewards program, limiting the value of your redemption options.
- The cost of borrowing on a Wells Fargo credit card is very high if you don’t pay your balance in full every month.
Frequently asked questions
A credit limit is the maximum amount you can utilize on your credit card. Card issuers will naturally increase your credit limit with time, especially if you follow these guidelines. But if you want to increase your credit limit now, you can request a credit limit increase by calling Wells Fargo at 1-800-642-4720.
Just be sure to inquire as to whether doing so will result in a hard inquiry on your credit report. If so, it’s generally a good idea to not go forward with the request.
The best Wells Fargo credit card is a card that best fits your needs and spending habits. There is no right answer for everyone.
While all Wells Fargo credit cards can be a great option for beginners, the Wells Fargo Active Cash® Card (see rates and fees) might be the simplest and best choice for a credit card beginner. With flat-rate earnings on all purchases and straightforward redemption options, it is a solid pick for your first Wells Fargo credit card.
Wells Fargo does not have a hard limit on the number of Wells Fargo credit cards you can have. However, that’s not an opening to go crazy with applications. The standard rules about not applying for too many cards in too short of a time period applies.