Menu burger Close thin Facebook Twitter Google plus Linked in Reddit Email
Loading
Tap on the profile icon to edit
your financial details.
We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been provided, reviewed or otherwise endorsed by our advertising partners. Please visit our Advertiser Disclosure for more information and to view our partners.

Best Wells Fargo Credit Cards

Your Details Done
by Sean Bryant | Updated Jul. 7, 2021

Overview of the Best Wells Fargo Credit Cards

Wells Fargo is one of the largest banks in the United States and they also have a wide range of credit cards for both consumers and small business. They feature cards for people looking to earn cash back on purchases, travel rewards and even those looking to rebuild or build their credit scores. Because there are so many different options to choose from, we have tried to make the selection process a little simpler. Based on the type of card you’re interested in and the spending you typically do each month, we have come up with the best Wells Fargo credit cards. See More


Best Wells Fargo Credit Card for Cash Back

More Details

  • After spending $1,000 on purchases in the first 3 months, you will earn a $200 cash rewards bonus
  • 2% unlimited cash rewards on every purchase
  • Receive a 0% Intro APR on purchases and balance transfers for 15 months, 14.99% - 24.99% Variable APR will apply after that. Balance transfers must be requested within the first 120 days to qualify for the intro rate and a fee of 3%, then a fee of up to 5%, min. $5 will apply.
  • No annual fee
  • No need to sign up for category rewards and cash back doesn't expire as long as your account remains open and in good standing
  • Enjoy Visa Signature Concierge benefits
  • When you pay your cell phone bill with your Wells Fargo Platinum card, you get up to $600 in protection against covered damage or theft for your phone (subject to a $25 deductible)
  • Select "Learn More" to read more about the features of this card including terms and conditions

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months (on qualifying balance transfers)

Regular APR

14.99% - 24.99% Variable

Details

The Wells Fargo Active Cash Card is Wells Fargo’s newest addition to its lineup of credit cards, and it’s a strong cash back option. With this card, you’ll earn unlimited 2% cash back on all purchases. There are no category limits or activations to worry about. To make matters even better, you can currently get a bonus of $200 cash back when you spend $1,000 in purchases over your first three months as a cardholder. There is no annual fee associated with this card, which allows you to keep more of your rewards in your pocket.

On top of these rewards, cardholders will have access to a 0% introductory APR for 15 months after account opening on both purchases and qualifying balance transfers. After that, your variable APR will be 14.99%, 19.99% or 24.99% based on your creditworthiness.

The card also comes with a number of standard features. You’ll be able to use it for contactless payments and you won't be held responsible for any unauthorized transactions that you report. You also get $600 of protection against cell phone damage or theft when you use your card to pay your bill.

Why We Like It

It’s not often that you see such a solid cash back offering from a personal card with no annual fee. Even the Citi Double Cash Card, another option that offers 2% cash back, only gives you 1% as you pay and 1% as you spend. In other words, 2% cash back on all purchases and with no strings attached makes this card really stand out. The additions of cell phone protection and the 0% intro APR offer only make things better. All in all, this isn’t just the top Wells Fargo card currently on the market, it’s one of the best cash back cards out there, period.

Compare Similar Cash Back Offers

Best Wells Fargo Credit Card for Hotels

More Details

  • Earn 2 rewards nights (up to $125/night* - worth a total of $250) when you spend $1,000 on purchases in the first 3 months. If a night costs less than the max of $125 allotted, you will not receive the difference. *Excludes taxes and fees.
  • For every night you stay at an eligible property booked on Hotels.com, you will collect 1 stamp. Collect 1 stamp every time you spend $500 on purchases with your card. When you get to a total of 10 stamps collected, you will get 1 reward night to redeem on future bookings through Hotels.com
  • Redeem rewards nights at over 500,000 properties in 200+ countries
  • No annual fee
  • Enjoy silver membership exclusives during your first year, such as free breakfast, free WiFi and airport transfers at select properties
  • When you pay your cell phone bill with your Wells Fargo Platinum card, you get up to $600 in protection against covered damage or theft for your phone (subject to a $25 deductible)
  • No foreign transaction fee
  • When passenger fare is booked with your card, if your trip is interrupted or cancelled for a covered reason, receive reimbursement for non-refundable passenger fare

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

14.99% - 22.99% Variable

Details

The Hotels.com Rewards Visa Credit Card is a new co-branded offer from Wells Fargo with an impressive suit of benefits for hotel goers. For a limited time, cardholders can get two free hotel nights worth $250 total (max $125 per night) upon spending $1,000 on their card during the first three months.

The benefits don’t stop there. Hotels.com also offers a free reward night to users who earn 10 stamps, which are garnered for each night you stay in a hotel booked on Hotels.com. This card accelerates that process, as cardholders can earn one stamp for each $500 purchase made with the card.

On top of these hotel-oriented perks, you won’t pay any foreign transaction fees with this card, nor will you be on the hook for an annual fee. You also get $600 of cell phone protection when you pay your bill with the card, enjoy zero liability from unauthorized transactions and have access to trip cancellation and interruption protections. Plus, cardholders are automatically Silver tier members with Hotels.com during their first year of card membership, which gives you access to free breakfast, airport transfers, free WiFi and more at participating hotel locations.

Why We Like It

It can be tough to find a solid travel-oriented credit card that comes with no annual fee. So despite the fact that you won’t pay to own this card, it’s still chock-full of benefits. With many different ways to earn stamps towards free nights and the ability to get two free nights through card spending alone, the opportunity for free hotel nights is pretty appealing with this card. The Hotels.com Rewards Visa Credit Card is a great option for even a relatively casual hotel visitor, though frequent travelers will only benefit even more.

Compare Similar Hotel Card Offers

Best Wells Fargo Credit Card Long 0% Intro APR

More Details

  • Receive a long 0% Intro APR on purchases and balance transfers for 18 months, 16.49% - 24.49% Variable APR will apply after that. Balance transfers must be requested within the first 120 days to qualify. Transfer fee will apply.
  • No annual fee
  • When you pay your cell phone bill with your Wells Fargo Platinum card, you get up to $600 in protection against covered damage or theft for your phone (subject to a $25 deductible)
  • Get access to your FICO Credit Score to keep track of your credit through Wells Fargo Online
  • Easy to monitor your account for suspicious activity with text and email notifications. Zero liability protection when you report unauthorized transactions promptly
  • Easy to use tools for budgeting and smarter financial decisions
  • Select "Learn More" to read more about the features of this card including terms and conditions

Annual Fee

$0

Purchase Intro APR

0% for 18 months

Balance Transfer Intro APR

0% for 18 months (on qualifying balance transfers)

Regular APR

16.49% - 24.49% Variable

Benefits

If you are currently working to improve your credit, then a great card to have in your wallet might be Wells Fargo Platinum card. This card is perfect for anyone with a good to excellent credit score.

Once you become a cardholder, you will receive an introductory 0% APR for 18 months on purchases and balance transfers. Once the introductory period is over the APR will change to 16.49% - 24.49% Variable. If you are planning to transfer a balance from another card, then there will be an introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 120 days. After that, up to 5% for each balance transfer, with a minimum of $5.

This card also comes with a fairly unique feature that not many other cards includes. You’ll receive up to $600 worth of protection on your cell phone when you pay your bill using Wells Fargo Platinum card. This protection has a $25 deductible, but will cover the phone against damage or theft.

Things to Consider

Unfortunately, this card does not come with a sign-up bonus or the ability to earn rewards on purchases. Instead its main objective is to help build your credit so you can move into a card with more perks.

Verdict

If you have a decent credit score and are looking to boost it even higher, then Wells Fargo Platinum card is a perfect option. The card comes with no annual fee and also has a lengthy introductory 0% APR.

Compare Similar Long Intro APR Offers

Best Wells Fargo Credit Card for Rewards

More Details

  • Earn a one-time bonus of 20,000 points when you spend $1,000 in eligible purchases in the first 3 months of card membership
  • No annual fee and no foreign currency conversion fees
  • Earn 3 points per dollar when you dine out or order in
  • Earn 3 points per dollar on qualifying streaming services
  • Earn 3 points per dollar at gas stations, transit, and rideshare purchases
  • Earn 3 points per dollar on travel purchases including car rentals, campgrounds, flights, hotels, homestays and more
  • Earn 1 point per dollar on all other qualifying purchases
  • Select "Learn More" to read more about the features of this card including terms and conditions

Annual Fee

$0

Purchase Intro APR

0% for 12 Months

Balance Transfer Intro APR

0% for 12 months (on qualifying balance transfers)

Regular APR

14.49% - 24.99% Variable

Benefits

If you are currently using a credit card that doesn’t offer rewards, then you are missing out. Credit card rewards can put cash back into your pocket and help you earn free travel. One of the best Wells Fargo cards for rewards is Wells Fargo Propel American Express card.

When you use this card at gas stations, you’ll earn 3 points. You’ll also receive 3 points on travel purchases like car rentals, air fare, hotels, cruises, and campgrounds. If you are a foodie, you will benefit by earning 3 points at restaurants whether dine in or take out. Plus, you can earn 3 points for eligible online streaming services. All other purchases will earn 1 point per dollar. You can kick off your rewards with this card by earning 20,000 bonus points for spending $1,000 on purchases in the first 3 months of card membership. Each point is worth $0.01, which means 2,500 points have a value of $25. When you do redeem your points, Wells Fargo gives you many different options. You can choose to use them on travel, cash, gift cards and more.

Another perk with this card is the 0% introductory APR for 12 months on purchases and balance transfers. Once the introductory period is over, the APR will become 14.49% - 24.99% Variable. There’s also no annual fee on this card.

Things to Consider

You can earn plenty of rewards with the Wells Fargo Propel American Express card. Cardholders can rack up 3 points per dollar at gas stations and on select travel purchases, dining out, qualifying streaming services; plus 1 point per dollar on everything else. There is no limit to the amount of points you can earn, and the points you earn won’t expire as long as your account remains open.

Verdict

For anyone looking for a Wells Fargo reward card, Wells Fargo Propel American Express card is a great choice. You can earn 20,000 bonus points by spending $1,000 in the first 3 months, you’ll earn up to 3x points on everyday purchases, plus there is no annual fee.

Compare Similar Rewards Offers

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

How likely is it that you would recommend this tool to a friend or colleague?
What is the most important reason for that score?
Thank you for your answer! Your feedback is very important to us.