Our top pick for the best credit card from Wells Fargo is the Wells Fargo Active Cash® Card. This exceptional cash back credit card stands out for its generous, flat rewards rate, intro APR offer and lack of an annual fee.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Cash back rewards: Earn 2% cash back on every purchases
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 12 months from account opening, followed by a 19.49%, 24.49%, or 29.49% Variable APR. You’ll also get a 0% intro APR for 12 months from account opening on qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% 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.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
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Earn 1X points on rent payments without the transaction fee
The Bilt World Elite Mastercard® is the only credit card that lets you earn points by paying your rent without charging the standard 3% transaction fee. You’ll earn 3x Bilt Points on dining, 2x points on travel, and 1x points on other purchases, and rent (up to 100,000 points each calendar year). Earn double points on Rent Day (excluding rent) up to 1,000 bonus points. Use the card 5 times each statement period to earn points.
Another standout feature of this card is that you can transfer points to valuable airline and hotel partners like United MileagePlus, Air France (Flying Blue), Hilton Honors and World of Hyatt. With bonus points on travel and dining and no foreign transaction fee, it’s a great option for anyone looking for a no-annual-fee travel card.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Intro balance transfer APR: 0% for 21 months
0% intro APR for 21 months from account opening on qualifying balance transfers, followed by a 17.49%, 23.99%, or 29.24% Variable APR
The Wells Fargo Reflect® Card made our list of the top 10 best balance transfer cards for good reason. This card 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 17.49%, 23.99%, or 29.24% Variable APR applies). In addition, the card offers a 0% intro APR for 21 months from account opening on purchases, followed by a 17.49%, 23.99%, or 29.24% 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.
Then again, the longer intro APR period could more than make up for this pricey fee — especially for those who need more time to pay down a substantial amount of debt.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Earn unlimited 3X points on qualifying purchases, including 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’ll also score the same rate 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.
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 19.49%, 24.49%, or 29.49% Variable APR.
Users can also access a range of flexible redemptions for rewards, including travel, points transfers to a handful of airline and hotel loyalty programs, gift cards, statement credits and purchases made through PayPal.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Unlock point transfers to airlines and hotels
The Wells Fargo Autograph Journey℠ Card is Wells Fargo’s premium card designed for frequent travelers. It boasts a huge sign-up bonus and the best rewards of any Wells Fargo card on travel purchases.
Cardholders earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases. A $50 annual airfare statement credit is available each year, and members get travel insurance benefits like trip cancellation and interruption insurance, lost baggage reimbursement, travel accident insurance and more.
How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.10X points on stays at participating Choice Hotels properties
The Choice Privileges® Select Mastercard® — Wells Fargo’s only cobranded hotel credit card — 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. Cardholders earn 10X points on stays at participating Choice Hotels properties, 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
The card also comes with an impressive sign-up bonus: Earn 90,000 bonus points when you spend $3,000 in purchases in the first 3 months You’ll also get an automatic upgrade to Platinum status and an annual anniversary bonus of 30,000 points.
Earn 4% cash back on select self-care purchases
The Wells Fargo Attune℠ Card is a unique card that offers unlimited 4% cash back in a range of categories that relate to self-care. This includes spa charges, fitness centers, sports events, movies, public transportation, EV charging, shopping at select thrift stores, select planet-friendly purchases and more. All other purchases earn the standard rate of 1% cash back.
Cardholders also get a 0% introductory APR for 12 months, followed by a 19.74%, 24.74%, or 29.74% Variable APR. Other notable benefits include cellular telephone protection, an auto rental collision damage waiver and 24/7 concierge services.
Earn unlimited 2% cash back rewards
The Signify Business Cash℠ Card is a basic cash back credit card for small businesses that packs a powerful punch. This card lets new members earn $500 cash back after spending $5,000 on purchases within three months of account opening, plus earn unlimited 2% cash back on all purchases with no annual fee.
Users get access to free employee cards and an intro APR offer for purchases, plus travel accident insurance and Mastercard ID Theft Protection. Just note that the Priority Pass membership touted by this card doesn’t include any free entries, so you still have to pay for visits as you go.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Regular APR | |
|---|---|---|---|---|---|
|
Wells Fargo Active Cash® Card*
|
Winner / Best Wells Fargo rewards credit card
|
$200 cash rewards
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
| 2% cash rewards
Earn unlimited 2% cash rewards on purchases
| 19.49%, 24.49%, or 29.49% Variable APR | |
|
Bilt World Elite Mastercard®
Apply Now
on Bilt Rewards's secure site Rates & Fees |
Best Wells Fargo bank rent credit card
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1,000 points
Bilt cardholders can earn double points on purchases made on the first of the month (excluding Rent) up to 1,000 bonus points. You must use the card 5 times each statement period to earn points.
| 1X - 5X points
| See rates & fees |
Apply Now
on Bilt Rewards's secure site Rates & Fees |
|
Wells Fargo Reflect® Card*
|
Best Wells Fargo balance transfer card
|
N/A | N/A | 17.49%, 23.99%, or 29.24% Variable APR | |
|
Wells Fargo Autograph℠ Card*
|
Best Wells Fargo credit card for travel
|
20,000 points
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
| 1X - 3X points
| 19.49%, 24.49%, or 29.49% Variable APR | |
|
Wells Fargo Autograph Journey℠ Card*
|
Best Wells Fargo Credit Card for travel rewards
|
60,000 bonus points
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
| 1X - 5X points
| 20.49%, 25.49%, or 29.49% Variable APR | |
|
Choice Privileges® Select Mastercard®*
Learn More
on Wells Fargo's secure site |
Best Wells Fargo hotels credit card
|
90,000 points
Earn 90,000 bonus points when you spend $3,000 in purchases in the first 3 months
| 1X - 10X points
| 20.24%, 24.49%, or 29.49% Variable APR |
Learn More
on Wells Fargo's secure site |
|
Wells Fargo Attune℠ Card*
Learn More
on Wells Fargo's secure site |
Best Wells Fargo lifestyle credit card
|
$100 cash rewards
Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months
| 4% cash back
Unlimited 4% cash back in a range of categories that relate to self-care.
| 19.74%, 24.74%, or 29.74% Variable |
Learn More
on Wells Fargo's secure site |
|
Signify Business Cash℠ Card*
Learn More
on Wells Fargo's secure site |
Best Wells Fargo small business credit card
|
$500 cash back
Earn $500 cash back after spending $5,000 on purchases within three months of account opening
| 2% cash back
Earn unlimited 2% cash back on all purchases
| 17.99% - 25.99% Variable |
Learn More
on Wells Fargo's secure site |
The best credit card from Wells Fargo for you depends on what you hope to accomplish. Do you want to earn more rewards? If so, what type? Maybe you want the longest intro APR possible, or you want a card that offers rewards and an intro APR for purchases and balance transfers.
In any case, Wells Fargo offers a range of top credit cards that can suit nearly any need. The chart below shows which cards you should consider based on the perks and features you want the most.
| You want these benefits | Wells Fargo credit cards to check out |
|---|---|
| Flexible cash back rewards | Wells Fargo Active Cash® CardWells Fargo Autograph℠ CardWells Fargo Attune℠ CardSignify Business Cash℠ Card |
| Rewards that transfer to airlines or hotels | Bilt World Elite Mastercard®Wells Fargo Autograph Journey℠ CardChoice Privileges® Select Mastercard® |
| No annual fee | Wells Fargo Active Cash® CardWells Fargo Autograph℠ CardBilt World Elite Mastercard® Wells Fargo Attune℠ CardSignify Business Cash℠ CardWells Fargo Reflect® CardOne Key™ CardChoice Privileges® Mastercard® |
| Intro APR for purchases | Wells Fargo Active Cash® CardWells Fargo Reflect® CardWells Fargo Autograph℠ CardWells Fargo Attune℠ CardSignify Business Cash℠ Card |
| Intro APR for balance transfers | Wells Fargo Active Cash® CardWells Fargo Reflect® Card |
| Points that can be redeemed for hotel stays | Bilt World Elite Mastercard®Wells Fargo Autograph℠ CardWells Fargo Autograph Journey℠ CardChoice Privileges® Select Mastercard®One Key™ CardChoice Privileges® Mastercard®One Key+™ Card |
| Points that can be redeemed for airfare | Bilt World Elite Mastercard®Wells Fargo Autograph℠ CardWells Fargo Autograph Journey℠ CardChoice Privileges® Select Mastercard®One Key™ CardOne Key+™ Card |
In addition to rewards and intro APR offers, you’ll also want to consider the benefits you get through partnerships with Mastercard or Visa.
The following perks may apply to your Wells Fargo card. Just note that specific cardholder benefits vary by card product.
| Wells Fargo Visa Benefits | Wells Fargo Mastercard Benefits |
|---|---|
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Before you apply, you should know that Wells Fargo typically only accepts applicants with good to excellent credit. If you’re ready to apply, the following steps can help you get to the finish line.
1. Check your credit score
Checking your credit score can help you determine if you meet minimum credit requirements to be approved. There are several free ways to do this online, including via LendingTree.
2. Compare card offers
Once you know your credit score is in great shape, spend a few minutes comparing the best Wells Fargo credit cards. You should look at rewards rates, sign-up bonus offers, 0% intro APRs and cardholder benefits. If you still can’t decide, check out the “Which Wells Fargo credit card is best for me?” section of this guide.
3. See if you prequalify
You can check to see if you prequalify for a Wells Fargo credit card by visiting the website here. Although prequalification doesn’t guarantee approval, it’s a great way to determine which card(s) will give you the best chance for approval. It’s also important to note that the prequalification process is a “soft credit pull,” meaning it won’t impact your credit score.
Learn more: Pre-Qualified vs. Pre-Approved Credit Cards: What’s the Difference?
4. Apply for the card
Now that you’ve done the research, it’s time to apply. You can apply online, in person at a local Wells Fargo branch, over the phone or by mail. Online applications typically get the fastest response, with mailed applications taking the longest — after that, it’s simply a waiting game. In the meantime, you can always check your application status by calling 800-967-9521.
Learn more: How to Apply for a Credit Card in 7 Steps
Depending on your Wells Fargo credit card, you may be able to redeem Wells Fargo rewards for cash from a Wells Fargo ATM, statement credits, gift cards, travel and more. In addition, the Wells Fargo Autograph Journey℠ Card lets users transfer their points to a selection of airline and hotel partners.
If you’d like to redeem your rewards for cash, you can do so by using your Wells Fargo ATM or debit card at a Wells Fargo ATM. If you’d like to redeem them for statement credits, gift cards, travel or merchandise, you’ll want to follow the steps below.
Or, if you’d like to chat with someone about your rewards or redeem them by phone, you can contact Wells Fargo Rewards customer service at 877-517-1358.
Learn more: Redeeming Credit Card Travel Points: What You Need to Know
Unfortunately, Wells Fargo no longer offers a student credit card. Wells Fargo removed the Wells Fargo Cash Back College℠ Card from its card lineup. However, you’ll find that there are plenty of great student credit cards.
Lenders usually pull credit reports from all three major credit bureaus — Equifax, Experian and TransUnion. However, sometimes lenders have a preference for a specific one based on their internal policies or your location. To find out which credit bureaus Wells Fargo currently uses, we recommend contacting Wells Fargo directly.
Since Wells Fargo doesn’t offer a secured card option, none of its card products are “easy to get.” Most cards in the current Wells Fargo lineup require good or excellent credit. If your score is lower than that, we recommend improving your credit score before applying for a Wells Fargo credit card. In the meantime, you can look into getting a secured credit card to build or rebuild your credit.
The best credit cards for beginners are secured credit cards. They’re easier to get if you have a minimal credit history. Wells Fargo no longer offers a secured credit card, but there are plenty of secured credit cards from other issuers.
Typically, you’ll need a good to excellent credit score to qualify for a Wells Fargo credit card — meaning a FICO Score of 670 to 850. If your score doesn’t fall within this range, you might want to look at some of the best credit cards to build credit first. The higher your score is, the more likely you’ll be approved for a Wells Fargo credit card. You can always check your credit score for free on LendingTree.
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 cash back cards, travel 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 for purchases and balance transfers. We also looked at the benefits offered by each card, such as cellular telephone insurance, travel insurance benefits and $0 foreign transaction fees.
The information related to the Wells Fargo Active Cash® Card, Wells Fargo Autograph Journey℠ Card, Wells Fargo Reflect® Card, Wells Fargo Autograph℠ Card, Choice Privileges® Select Mastercard®, Wells Fargo Attune℠ Card and Signify Business Cash℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
