The Wells Fargo Active Cash^® Card is our top overall pick for best Wells Fargo credit card because of its cash back rewards rate, introductory APR offers and $0 annual fee.

Cardholders earn unlimited 2% cash rewards on purchases. Plus, there is a welcome bonus for new cardholders: earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.

The Wells Fargo Active Cash^® Card offers a 0% intro APR for 15 months from account opening on purchases, then an ongoing APR of 19.74%, 24.74%, or 29.74% variable APR. The card also offers a 0% intro APR for 15 months from account opening on qualifying balance transfers, then an APR of 19.74%, 24.74%, or 29.74% variable APR.

If you want a simple approach to earning rewards, the Wells Fargo Active Cash^® Card could be a good fit, since it offers a flat cash back rate on every purchase.

Rewards can be redeemed as statement credit, as credit to a qualifying Wells Fargo credit card, checking account or mortgage, or for cash back in $20 increments at a Wells Fargo ATM or gift cards.

Additionally, if you need to finance a large purchase or transfer a balance from another non-Wells Fargo card, you can do so for more than a year without incurring interest charges.

• Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.74%, 24.74%, or 29.74% variable APR; 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
• Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• Select “Apply Now” to learn more about the product features, terms and conditions

The Wells Fargo Reflect^® Card offers one of the longest introductory APR periods currently available for purchases and balance transfers.

Cardholders receive a 0% intro APR up to 21 months from account opening on purchases. After that, a regular 17.74% - 29.74% variable APR applies. Additionally, the card offers a 0% intro APR up to 21 months from account opening on qualifying balance transfers. After that, a regular 17.74% - 29.74% variable APR applies.

The Wells Fargo Reflect^® Card charges a $0 annual fee.

If you need to finance a large expense and pay it off over time, the Wells Fargo Reflect^® Card allows you to do so without paying interest for a year and a half. Plus, the card offers an intro APR extension of up to three months with on-time minimum payments during the introductory and extension periods.

Similarly, if you have a large amount of high interest credit card debt, you can transfer it to the Wells Fargo Reflect^® Card for a year and a half without incurring interest charges. After making on-time minimum payments during the intro and extension periods, you can get up to a three month extension on the promotional APR period.

That said, the Wells Fargo Reflect^® Card doesn’t come with a rewards program, so you cannot earn cash back or points on the purchases you make using the card.

Also know, the Wells Fargo Reflect^® Card charges balance transfer fees of 3% for 120 days from account opening, then up to 5%; min: $5.

• 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.74% to 29.74% 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
• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (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.
• Select “Apply Now” to learn more about the product features, terms and conditions

The Hotels.com^® Rewards Visa^® Credit Card lets new cardmembers receive a Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)* with qualifying purchases. Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.

Additionally, the card offers stamps instead of points, which can be redeemed for future Hotels.com stays. Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. Collect 10 stamps, get 1 reward night.

The Hotels.com^® Rewards Visa^® Credit Card has an ongoing APR of 17.99% to 25.99% variable APR.

If you want to earn free hotel stays from a credit card, you may want to consider the Hotels.com^® Rewards Visa^® Credit Card.

After collecting 10 stamps — either through spending or paying for Hotels.com reservations with the card — Hotels.com members can redeem them for one free night stay. Just know, the value of each reward night is limited to $110 per night, and cardholders must have an open and active Hotels.com Rewards membership to redeem these stamps.

Additionally, in order to receive the free nights from the card’s sign-up bonus, you must have an open and active Hotels.com Rewards membership.

• Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)* with qualifying purchases. Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
• Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
• Choose from over 500,000 properties in 200+ countries around the world.
• $0 Annual Fee.
• Enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at selected properties for as long as your card is open.
• Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
• No foreign currency conversion fee.
• Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when your passenger fare is booked with your card.

The Wells Fargo Business Platinum Credit Card lets cardholders earn 1.5% cash back on qualifying purchases or earn 1 point on every $1 spend and receive 1,000 bonus points every billing cycle when you spend at least $1,000 on qualifying purchases. Plus, new cardholders earn a one-time $300 cash back bonus or 30,000 bonus points when you select a Business Card Rewards Program and spend $3,000 in the first three months of account open date.

The $0 annual fee card offers an introductory 0% APR for 9 months on purchases, after which a variable APR of Prime + 7.99% to Prime + 17.99% applies.

Cardholders also receive an introductory 0% APR for 9 months on balance transfers, after which the regular variable APR of Prime + 7.99% to Prime + 17.99% applies. However, there is a high balance transfer fee of 4% or $10, whichever is greater.

If you’re a small business owner interested in earning a competitive rewards rate on every purchase, you should look at the Wells Fargo Business Platinum Credit Card. Along with offering a flat rewards rate on company expenses, dining, travel, gas and more, the card lets cardholders to choose whether they want to earn cash back rewards or points.

Cash back rewards can be redeemed as a credit to your account or to your eligible checking or savings account each quarter (March, June, September and December), and points can be redeemed for gift cards, merchandise, airline tickets and more.

• Earn a one-time $300 cash back bonus or 30,000 bonus points when you select a Business Card Rewards Program and spend $3,000 in the first three months of account open date.
• 1.5% cash back on qualifying purchases or earn 1 point on every $1 spend and receive 1,000 bonus points every billing cycle when you spend at least $1,000 on qualifying purchases.
• $0 annual rewards fee.
• 0% introductory rate for 9 months. After, a variable APR of Prime + 7.99% to Prime + 17.99% applies.
• No foreign transaction fee.