September 7, 2023
Cash back rewards: Earn 2% cash back on every purchase
Our pick for the best overall Wells Fargo credit card, the Wells Fargo Active Cash® Card is also a contender for the best 2% cash back card. Unlike other 2% cash back cards, it lets you earn unlimited 2% cash rewards on purchases without strict limitations on how you earn or redeem the cash back. Rewards can be redeemed as statement credits, credits to a qualifying Wells Fargo account (credit card, checking account or mortgage), cash back in $20 increments at a Wells Fargo ATM or gift cards. It even offers a generous welcome bonus for new cardholders: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
In addition, it has a longer-than-average 0% intro period for purchases and balance transfers. For purchases, you’ll get a 0% intro APR for 15 months from account opening, followed by a 20.24%, 25.24%, or 29.99% variable APR. You’ll also get a 0% intro APR for 15 months from account opening on qualifying balance transfers, then a 20.24%, 25.24%, or 29.99% variable APR.
When you consider the above — especially its $0 annual fee — it’s easy to see why the Wells Fargo Active Cash® Card tops our list of the best Wells Fargo credit cards.
Earn points on rent: Earn 1X points on rent payments without the transaction fee
The Bilt Mastercard® is the only credit card that lets you earn points by paying your rent without charging the standard 3% transaction fee. Plus, it reports your rent payments to the credit bureaus each month, helping to build credit.
Although this card doesn’t come with a welcome offer, it does let you earn 1X point on rent payments without the transaction fee, up to 100,000 points each calendar year; 2X points on travel, 3X points on dining, 1X points on all other purchases. Just be aware that in order to earn points, you must make at least five transactions per statement period.
Intro balance transfer APR: 0% for 21 months
0% intro APR for 21 months from account opening on qualifying balance transfers followed by a 18.24%, 24.74%, 29.99% variable APR
An easy choice for one of the best Wells Fargo credit cards, the Wells Fargo Reflect® Card also made our of list of the top 10 best balance transfer cards. That’s because it has one of the longest introductory APR periods currently available: 0% intro APR for 21 months from account opening on qualifying balance transfers (afterwards, a 18.24%, 24.74%, 29.99% variable APR applies). Additionally, the card offers a 0% intro APR 21 months from account opening on purchases, followed by a 18.24%, 24.74%, 29.99% variable APR.
One important thing to note is that the Wells Fargo Reflect® Card does charge a balance transfer fee of 5%; min: $5 — this is higher than the average fee of 3% and could substantially cut into your savings.
Travel points: Earn unlimited 3X points on travel, transit and gas stations
The Wells Fargo Autograph℠ Card is a great choice for anyone looking for a solid travel/rewards card with no annual fee. In addition to earning 3X points on travel, you also score on popular spending categories like restaurants, gas stations, transit, popular streaming services and phone plans. Plus, it has a valuable sign-up 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.
And while the Wells Fargo Autograph℠ Card is certainly focused on travel and rewards, it’s also a nice option for larger purchases. It offers a 0% intro APR for 12 months from account opening on purchases, then a 20.24%, 25.24%, or 29.99% variable APR.
Rewards rate: 10X points on stays at participating Choice® hotels
The Choice Privileges® Select Mastercard® is a great choice for avid travelers who prefer staying at Choice Hotels properties. With its generous rewards program, you can earn points quickly and redeem them for free nights, gift cards or transfers to airline partners.
The card also comes with an impressive sign-up bonus: For a limited time, earn 90,000 bonus points when you spend $3,000 in purchases in the first 3 months- enough to redeem for up to 11 rewards nights at select Choice Hotels® properties. You must select "Apply Now" to take advantage of this specific offer.. Additional benefits include an automatic upgrade to Choice Privileges Elite Gold status and an annual anniversary bonus of 30,000 points. While the card does have a $95 annual fee, its benefits and rewards easily outweigh the cost for Choice Hotels loyalists.
Expertise: Credit cards
Education: Coastal Carolina University
Will Collicott is a staff writer at LendingTree, where he focuses on credit cards.
Before joining LendingTree in 2023, he worked as an implementation specialist at a real estate tech company, developing WordPress websites for brokerages and agents. Prior to that, he was an editor at The History Press, where he helped authors and historians bring their works to life.
Will earned a bachelor’s degree in English from Coastal Carolina University.Read More
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.