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Best Wells Fargo Credit Cards

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by Sean Bryant | Updated Nov. 6, 2019

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

  • In the first 3 months of card membership, if you spend $500 you will earn a $150 cash bonus.
  • Earn 1.5% cash rewards on net purchases with no limit
  • Earn 1.8% cash rewards during your first 12 months on qualified purchases with your mobile wallet including Google Pay™ and Apple Pay®
  • There are no category restrictions and no need to opt-in quarterly for rewards. Cash rewards won't expire as long as your account remains open and in good standing
  • When you pay your cell phone bill with your Cash Wise Visa, you get up to $600 in protection against covered damage or theft for your phone (subject to a $25 deductible)
  • No annual fee
  • 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

15.49% - 27.49% Variable

Benefits

If you are looking for a credit card with no annual fee and the ability to earn cash back, then you might be interested in Wells Fargo Cash Wise Visa card. This card is perfect for anyone wanting a simple, hassle-free cash back card.

When you sign up for Wells Fargo Cash Wise Visa card, you will receive a $150 bonus after you spend $500 in the first 3 months. You will also receive an unlimited 1.5% cash back on all purchases. During the first 12 months from account opening, if you use a mobile wallet, like Apple Pay or Google Pay, your cash back earnings will increase to 1.8%. As long as you keep your account open and in good standing, your rewards won’t expire.

When you do decide to cash out your rewards, you can receive cash by using a Wells Fargo debit card at any Wells Fargo ATM. You can also choose to have your earnings applied to any Wells Fargo mortgage or deposited into a checking or savings account.  

Things to Consider

Wells Fargo Cash Wise Visa card has an introductory 0% APR for the first 15 months on purchases and balance transfers. If you are planning to take advantage of this to move an existing balance, be aware that there is an introductory $5 or 3% (whichever is greater) balance transfer fee, for the first 120 days. After that, the balance transfer fee will be up to 5% for each transfer, with a minimum of $5.

Verdict

If you are looking for a new cash back card, then Wells Fargo Cash Wise Visa card is a great option. You will receive a flat cash back rate on all purchases, a generous sign-up bonus and no annual fee.

Compare Similar Cash Back Offers

Best Wells Fargo Credit Card Long 0% Intro APR

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  • Receive a long 0% Intro APR on purchases and balance transfers for 18 months, 16.99% - 26.49% Variable APR thereafter. Balance transfers must be requested within the first 120 days to qualify. Transfer fee will apply.
  • When you pay your cell phone bill with your Wells Fargo Platinum, 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
  • Easy to use tools for budgeting and smarter financial decisions
  • No annual fee

Annual Fee

$0

Purchase Intro APR

0% for 18 months

Balance Transfer Intro APR

0% for 18 months on qualifying balance transfers

Regular APR

16.99% - 26.49% 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 Visa 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 16.99% - 26.49% 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 Visa 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 Visa 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

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  • In the first 3 months of cardmembership, if you spend $3,000 you will earn 30,000 bonus points
  • No annual fee and no foreign currency conversion fee
  • Earn 3 points per dollar when you dine out or order in
  • Earn 3 points per dollar at gas stations, rideshares and on transit purchases
  • Earn 3 points per dollar on car rentals, flights, hotels and homestays
  • Earn 3 points per dollar on qualifying streaming services
  • Earn 1 point per dollar on all other 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

15.49% - 27.49% 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 30,000 bonus points for spending $3,000 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 15.49% - 27.49% 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 30,000 bonus points by spending $3,000 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.

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