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Best Wells Fargo Credit Cards of 2022

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated December 9, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

The Wells Fargo Active Cash℠ Card is our pick for best overall Wells Fargo credit card, thanks to its solid cashback rewards rate, its generous intro APR on purchases and balance transfers and its $0 annual fee.
Best Wells Fargo Credit Cards of 2022
Overall best Wells Fargo credit card Wells Fargo Active Cash℠ Card
Best Wells Fargo credit card for long intro APR Wells Fargo Reflect℠ Card
Best Wells Fargo credit card for hotel stays Hotels.com® Rewards Visa® Credit Card
Best Wells Fargo credit card for business purchases Wells Fargo Business Platinum Credit Card
Best Wells Fargo credit card to build business credit Wells Fargo Business Secured Credit Card

Whether you’re looking for a no-fee card that pays you cash back on every purchase, a card that lets you transfer a balance without charging interest for an extended period of time, or one that helps you establish credit, Wells Fargo has a credit card option for you.

Based on our research of cards available through LendingTree and on Wells Fargo’s site, here are our top picks for the best Wells Fargo credit cards for the following categories:

Best For Overall Wells Fargo credit card

Wells Fargo Active Cash℠ Card

Wells Fargo Active Cash℠ Card

Apply Now
on Wells Fargo's secure site
Intro Purchase APR 0% intro APR for 15 months from account opening
Annual Fee $0
Regular Purchase APR 14.99%-24.99% (Variable)

The Wells Fargo Active Cash℠ Card is our top overall pick for best Wells Fargo credit card because of its cashback 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 14.99%-24.99% (variable). The card also offers a 0% intro APR for 15 months from account opening on qualifying balance transfers, then an APR of 14.99%-24.99% (variable).

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 cashback 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.

  • Cellphone protection of up to $600 (subject to a $25 deductible)
  • 24/7 concierge service
  • Luxury Hotel Collection benefits
  • Zero liability protection
  • Advanced security features, like voice verification

The Wells Fargo Active Cash℠ Card is our top overall pick for best Wells Fargo credit card because of its cashback 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 14.99%-24.99% (variable). The card also offers a 0% intro APR for 15 months from account opening on qualifying balance transfers, then an APR of 14.99%-24.99% (variable).

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 cashback 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.

  • Cellphone protection of up to $600 (subject to a $25 deductible)
  • 24/7 concierge service
  • Luxury Hotel Collection benefits
  • Zero liability protection
  • Advanced security features, like voice verification

Best For Wells Fargo credit card for a long intro APR offer

Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

Apply Now
on Wells Fargo's secure site
Intro Purchase APR 0% intro APR up to 21 months from account opening
Annual Fee $0
Regular Purchase APR 12.99%-24.99% Variable APR

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 12.99%-24.99% 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 12.99%-24.99% 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.

  • Cellphone protection
  • My Wells Fargo Deals
  • Free FICO® credit score access
  • Card account activity alerts

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 12.99%-24.99% 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 12.99%-24.99% 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.

  • Cellphone protection
  • My Wells Fargo Deals
  • Free FICO® credit score access
  • Card account activity alerts

Best For Wells Fargo credit card for hotel stays

Hotels.com<sup>®</sup> Rewards Visa<sup>®</sup> Credit Card

Hotels.com® Rewards Visa® Credit Card

Apply Now
on Wells Fargo's secure site
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 14.99% to 22.99% (Variable)

The Hotels.com® Rewards Visa® Credit Card lets new cardmembers get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 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 for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.

The Hotels.com® Rewards Visa® Credit Card has an ongoing APR of 14.99% to 22.99% (variable).

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.

  • Foreign transaction fees: None
  • Cellphone protection
  • Silver membership exclusives
  • Travel protection package

The Hotels.com® Rewards Visa® Credit Card lets new cardmembers get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 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 for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.

The Hotels.com® Rewards Visa® Credit Card has an ongoing APR of 14.99% to 22.99% (variable).

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.

  • Foreign transaction fees: None
  • Cellphone protection
  • Silver membership exclusives
  • Travel protection package

Best For Wells Fargo credit card for business purchases

Wells Fargo Business Platinum Credit Card

Highlights
  • 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.

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 bonus1 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 cashback rewards or points.

Cashback 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.

  • $0 foreign transaction fees
  • Up to 99 employee cards at no cost
  • Visa purchase protection
  • Cash management tools
  • Spending reports available online
  • Online banking and bill payment options

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 bonus1 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 cashback rewards or points.

Cashback 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.

  • $0 foreign transaction fees
  • Up to 99 employee cards at no cost
  • Visa purchase protection
  • Cash management tools
  • Spending reports available online
  • Online banking and bill payment options
The information related to the Wells Fargo Business Platinum Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Wells Fargo credit card for building business credit

Wells Fargo Business Secured Credit Card

Highlights
  • Annual fee: $0
  • Credit line: Up to $25,000, depending on the amount you deposit to fund the card
  • Number of cards: Up to 10
  • Optional rewards program: Choose between rewards points or cash back

The Wells Fargo Business Secured Credit Card requires a security deposit ranging from $500 to $25,000, which will serve as your line of credit.

The $0 annual fee card lets cardholders earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period.

The Wells Fargo Business Secured Credit Card has a variable APR of prime + 11.90%, and is available to applicants with poor or fair credit. 

If you are a small business owner who wants to build your business credit history, the Wells Fargo Business Secured Credit Card can help you do so, since it reports your payment and usage behavior to the Small Business Financial Exchange.

Additionally, Wells Fargo will periodically review your account and recent credit history to see if you qualify to upgrade to an unsecured business credit card.

Just know, before applying for the Wells Fargo Business Secured Credit Card, you must have an open Wells Fargo business checking or savings account. Once you are approved, your funds will be transferred from the account to fund the credit line.

  • $0 foreign transaction fees
  • Up to 10 employee cards
  • Zero liability program
  • Fraud monitoring

The Wells Fargo Business Secured Credit Card requires a security deposit ranging from $500 to $25,000, which will serve as your line of credit.

The $0 annual fee card lets cardholders earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period.

The Wells Fargo Business Secured Credit Card has a variable APR of prime + 11.90%, and is available to applicants with poor or fair credit. 

If you are a small business owner who wants to build your business credit history, the Wells Fargo Business Secured Credit Card can help you do so, since it reports your payment and usage behavior to the Small Business Financial Exchange.

Additionally, Wells Fargo will periodically review your account and recent credit history to see if you qualify to upgrade to an unsecured business credit card.

Just know, before applying for the Wells Fargo Business Secured Credit Card, you must have an open Wells Fargo business checking or savings account. Once you are approved, your funds will be transferred from the account to fund the credit line.

  • $0 foreign transaction fees
  • Up to 10 employee cards
  • Zero liability program
  • Fraud monitoring
The information related to the Wells Fargo Business Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Side-by-side comparison of the best Wells Fargo credit cards

Credit cardBest forAnnual fee
Wells Fargo Active Cash℠ CardOverallEarn unlimited 2% cash rewards on purchases$0
Wells Fargo Reflect℠ CardIntro APR offerNone$0
Hotels.com® Rewards Visa® Credit CardHotel staysCollect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.$0
Wells Fargo Business Platinum Credit CardBusiness purchasesEarn 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
Wells Fargo Business Secured Credit CardBuilding business creditEarn 1.5% cash back on every $1 spent OR Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period$0

The information related to the Wells Fargo Business Platinum Credit Card and the Wells Fargo Business Secured Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Wells Fargo credit card FAQs

If your Wells Fargo credit card offers rewards, you can earn cash back or points by making purchases using your card. If the card offers a sign-up bonus, you can earn the bonus rewards by meeting the spend threshold within the promotional time period. You can also earn bonus rewards by shopping in-store and online through the Earn More Mall site.

Note, transactions such as cash advances, balance transfers and certain purchases will not earn credit card rewards.

If you have a Wells Fargo credit card that offers rewards, you can redeem them the following ways:

 

Redeem rewards a variety of ways at wellsfargo.com/redeem.

 

Sign on to Wells Fargo Online, and redeem rewards for purchases you already made.

 

Redeem in $20 increments with your Wells Fargo ATM or debit card at a Wells Fargo ATM.

 

Call Wells Fargo customer service at 877-517-1358.

A secured credit card requires a security deposit, which will serve as your line of credit and act as collateral to protect the issuer in the event you don’t pay off what you charge to the card.

 

Security deposits are generally refundable once you pay off your card balance in full and close the account, or if the issuer transitions you to an unsecured card after you demonstrate responsible card usage.

Which Wells Fargo credit card is right for you?

Ultimately, the right Wells Fargo credit card for you comes down to how you plan to use the card. For example, if you want to earn a lump sum of cash back in a short period of time, a card that offers a cashback sign-up bonus, like the Wells Fargo Active Cash℠ Card, could be a good fit. But if you want to finance a large purchase interest-free for close to two years, the Wells Fargo Reflect℠ Card may be a better choice.

Methodology

To select the best Wells Fargo credit cards, our experts compared the credit cards offered on Wells Fargo’s site, as well as the Wells Fargo-issued credit cards on LendingTree.com, including cashback cards, business cards, 0% intro APR cards and more.

We then chose our top picks based on a variety of factors, including rewards rates, welcome bonuses, annual fees and introductory APRs on purchases and balance transfers. Additionally, we looked at the benefits offered by each card, such as cellphone insurance and $0 foreign transaction fees.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.