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Best Wells Fargo Credit Cards in 2025

Wells Fargo Active Cash<sup>®</sup> Card

Wells Fargo Active Cash^® Card

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Wells Fargo Active Cash^® Card

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.

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The best Wells Fargo credit cards come with generous rewards, intro APR offers and flexible redemptions for rewards.
Wells Fargo introduced a selection of airline and hotel transfer partners with its new Wells Fargo Autograph Journey^℠ Card, which debuted in 2024.
In addition to its own branded rewards credit cards, Wells Fargo also boasts co-branded credit cards with Bilt Rewards, Choice Privileges and the OneKey Rewards program affiliated with Expedia, Hotels.com and VRBO.

8 Top Wells Fargo credit cards

Winner / Best Wells Fargo rewards credit card: Wells Fargo Active Cash^® Card
Best Wells Fargo bank rent credit card: Bilt World Elite Mastercard^®
Best Wells Fargo balance transfer card: Wells Fargo Reflect^® Card
Best Wells Fargo credit card for travel: Wells Fargo Autograph^® Card
Best Wells Fargo Credit Card for travel rewards: Wells Fargo Autograph Journey^℠ Card
Best Wells Fargo hotels credit card: Choice Privileges^® Select Mastercard^®
Best Wells Fargo lifestyle credit card: Wells Fargo Attune℠ Card
Best Wells Fargo small business credit card: Signify Business Cash℠ Card

Compare Wells Fargo credit cards

Credit Cards	Our Ratings	Welcome Offer	Rewards Rate	Regular APR
Wells Fargo Active Cash^® Card* Learn More	4.6 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 on purchases Earn unlimited 2% cash rewards on purchases	19.24%, 24.24%, or 29.24% Variable APR	Learn More
Bilt World Elite Mastercard^® Apply Now on Bilt Rewards's secure site Rates & Fees	3.9 Best Wells Fargo bank rent credit card	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 Earn 1X points on rent payments without the transaction fee, up to 100,000 points each calendar year Earn up to 5X Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card Earn 2X points on travel Earn 3X points on dining Earn 1X points on other purchases Use the card 5 times each statement period to earn points	See rates & fees	Apply Now on Bilt Rewards's secure site Rates & Fees
Wells Fargo Reflect^® Card* Learn More	3.3 Best Wells Fargo balance transfer card	N/A	N/A	17.24%, 23.74%, or 28.99% Variable APR	Learn More
Wells Fargo Autograph^® Card* Learn More	3.6 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 Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Earn 1X points on other purchases	19.24%, 24.24%, or 29.24% Variable APR	Learn More
Wells Fargo Autograph Journey^℠ Card* Learn More	3.8 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 Earn unlimited 5X points on hotels Earn unlimited 4X points on airlines Earn unlimited 3X points on other travel and restaurants, Earn unlimited 1X points on other purchases.	20.24%, 25.24%, or 29.24% Variable APR	Learn More
Choice Privileges^® Select Mastercard^®*	4.0 Best Wells Fargo hotels credit card	60,000 points Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months	1X - 10X points Earn 10X points on stays at participating Choice Hotels^® properties plus on Choice Privileges point purchases Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services Earn 1X points on other purchases	19.99%, 24.24%, or 29.24% Variable APR
Wells Fargo Attune℠ Card*	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.	19.49%, 24.49%, or 29.49% Variable
Signify Business Cash℠ Card*	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 rewards on purchases	17.49% - 25.49% Variable

*The information related to the Wells Fargo Active Cash^® Card, Wells Fargo Reflect^® Card, Wells Fargo Autograph^® Card, Wells Fargo Autograph Journey^℠ 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.

Winner / Best Wells Fargo rewards credit card

Wells Fargo Active Cash^® Card*

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

Cash back rewards: Earn 2% cash back on every purchases

Earn unlimited 2% cash rewards on purchases

Earn unlimited 2% cash rewards on purchases
Valuable sign-up bonus
$0 annual fee
Intro APR on purchases and balance transfers
Cellular telephone protection

3% foreign transaction fee
Limited cardholder benefits

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 19.24%, 24.24%, or 29.24% Variable APR. You’ll also get a 0% intro APR for 12 months from account opening on qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% 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.

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% 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.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

*The information related to the Wells Fargo Active 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.

Best Wells Fargo Rent Credit Card

Bilt World Elite Mastercard^®

LendingTree's Review

3.9

LendingTree's Review

3.9

Apply Now

on Bilt Rewards's secure site

Rates & Fees

Earn 1X points on rent payments without the transaction fee

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.

Earn points on rent (up to 100,000 points per year) without a transaction fee
Earn bonus points on travel and dining
Transfer points 1:1 to travel partners
$0 annual fee
$0 foreign transaction fee

Must use the card five times each statement period to earn points
No intro APR period
Offers double point days in lieu of a typical sign-up bonus 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.

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.

Select 'Apply Now' to learn more about the product features, terms and conditions
A credit card that lets you earn points on rent payments at any property without the transaction fee.
$0 Annual Fee
Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
Earn 3x points on dining
Earn 2x points on travel
Earn 1x points on other purchases
Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
Use the card 5 times each statement period to earn points
Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
Point redemptions include airlines, hotels, future rent payments, credit card statements, toward a down payment on a home, etc.

Best Wells Fargo balance transfer card

Wells Fargo Reflect^® Card*

LendingTree's Review

3.3

LendingTree's Review

3.3

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Intro balance transfer APR: 0% for 21 months

0% intro APR for 21 months from account opening on qualifying balance transfers, followed by a 17.24%, 23.74%, or 28.99% Variable APR

One of the longest intro APRs for balance transfers and purchases
$0 annual fee
Cellular telephone protection

No rewards program
5%, min: $5 balance transfer fee
3% foreign transaction fee
Light on other benefits

The Wells Fargo Reflect^® Card made our list of the top 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 17.24%, 23.74%, or 28.99% Variable APR applies). In addition, the card offers a 0% intro APR for 21 months from account opening on purchases, followed by a 17.24%, 23.74%, or 28.99% 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.

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.

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. 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.

*The information related to the Wells Fargo Reflect^® 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 for travel

Wells Fargo Autograph^® Card*

LendingTree's Review

3.6

LendingTree's Review

3.6

Learn More

Earn unlimited 3X points on qualifying purchases, including restaurants, travel, transit and gas stations

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Unlimited 3X points in everyday bonus categories
Intro APR on purchases
$0 annual fee
Transfer points 1:1 to travel loyalty programs
No foreign transaction fees

No intro APR on balance transfers
Balance transfer fee
Not as many travel perks as annual fee cards

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 19.24%, 24.24%, or 29.24% 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.

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% Variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

*The information related to the Wells Fargo Autograph^® 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 for travel rewards

Wells Fargo Autograph Journey^℠ Card*

LendingTree's Review

3.8

Wells Fargo Autograph Journey<sup>℠</sup> Card

LendingTree's Review

3.8

Learn More

Unlock point transfers to airlines and hotels

Generous rewards on hotel stays, airfare and other travel
Large sign-up bonus
Transfer points 1:1 to travel loyalty programs
$50 airline statement credit each year
No foreign transaction fees

$95 annual fee
No intro APR

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.

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
$95 annual fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

*The information related to the Wells Fargo Autograph Journey^℠ 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 hotels credit card

Choice Privileges^® Select Mastercard^®*

LendingTree's Review

Choice Privileges<sup>®</sup> Select Mastercard<sup>®</sup>

LendingTree's Review

10X points on stays at participating Choice Hotels properties

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.

High earning rates on Choice Hotel stays and other useful categories
Valuable sign-up bonus
Automatic Platinum status
No foreign transaction fees

Only 1X points in non-bonus categories
Limited redemptions for rewards outside of hotel stays
$95 annual fee

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 60,000 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.

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.
Earn 10X points on stays at participating Choice Hotels® properties.
Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
$95 annual fee.
Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
No foreign transaction fee.

*The information related to the Choice Privileges^® Select Mastercard^® 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 lifestyle credit card

Wells Fargo Attune℠ Card*

Earn 4% cash back on select self-care purchases

Unlimited 4% cash back in a range of categories that relate to self-care.

Unlimited 4% cash back in a range of categories that relate to self-care.
$0 annual fee
Intro APR for purchases
Comes with cellular telephone protection

3% foreign transaction fee
Smaller sign-up bonus than other cash back credit cards
Earns just 1% cash back on non-bonus spending

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 on purchases, followed by a 19.49%, 24.49%, or 29.49% Variable APR. Other notable benefits include cellular telephone protection, an auto rental collision damage waiver and 24/7 concierge services.

Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Earn unlimited 4% cash rewards on self-care; select sports, recreation and entertainment and impactful purchases.
Wells Fargo will donate $50 to Capital Link when you qualify for the $100 cash rewards bonus.
Your Attune Card is made of recycled plastic.
Get up to $600 of cell phone protection per claim when you pay your monthly bill with your card.
Auto Rental Collision Damage Waiver, 24/7 concierge service and other travel benefits.

*The information related to the Wells Fargo Attune℠ 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 small business credit card

Signify Business Cash℠ Card*

Earn unlimited 2% cash back rewards

Earn unlimited 2% cash rewards on purchases

Generous sign-up bonus
Earn unlimited 2% cash rewards on purchases
$0 annual fee
Intro APR offer for purchases

3% foreign transaction fees
Limited cardholder benefits

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 rewards on 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.

Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Earn unlimited 2% cash rewards on purchases made for your business with no categories to track, and no limit to the amount of rewards you can earn.
No annual fee.
0% introductory APR for 12 months from date of account opening on purchases. After that your APR will be 17.49% - 25.49% Variable.
Earn more rewards with employee cards at no additional cost.
Use the Wells Fargo Mobile® app to check balances, view transaction history, and make payments from virtually anywhere.
Complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.

*The information related to the 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.

Which Wells Fargo credit card is best for me?

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.

Which Wells Fargo credit card is best for me?

You want these benefits	Wells Fargo credit cards to check out
Flexible cash back rewards	Wells Fargo Active Cash^® Card Wells Fargo Autograph^® Card Wells Fargo Attune℠ Card Signify Business Cash℠ Card
Rewards that transfer to airlines or hotels	Bilt World Elite Mastercard^® Wells Fargo Autograph Journey^℠ Card Choice Privileges^® Select Mastercard^®
No annual fee	Wells Fargo Active Cash^® Card Wells Fargo Autograph^® Card Bilt World Elite Mastercard^® (see Rates & Fees) Wells Fargo Attune℠ Card Signify Business Cash℠ Card Wells Fargo Reflect^® Card One Key™ Card Choice Privileges^® Mastercard^®
Intro APR for purchases	Wells Fargo Active Cash^® Card Wells Fargo Reflect^® Card Wells Fargo Autograph^® Card Wells Fargo Attune℠ Card Signify Business Cash℠ Card
Intro APR for balance transfers	Wells Fargo Active Cash^® Card Wells Fargo Reflect^® Card
Points that can be redeemed for hotel stays	Bilt World Elite Mastercard^® Wells Fargo Autograph^® Card Wells Fargo Autograph Journey^℠ Card Choice Privileges^® Select Mastercard^® One Key™ Card Choice Privileges^® Mastercard^® One Key+™ Card
Points that can be redeemed for airfare	Bilt World Elite Mastercard^® Wells Fargo Autograph^® Card Wells Fargo Autograph Journey^℠ Card Choice Privileges^® Select Mastercard^® One Key™ Card One Key+™ Card

Wells Fargo credit card benefits

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
Cellular telephone protection Extended warranties Purchase protection Zero Liability protection Access to Credit Close-Up℠ credit monitoring tool Visa Signature® Concierge Services Visa Signature Hotel Collection Emergency Cash Disbursement and Card Replacement Travel and Emergency Assistance Services Auto Rental Collision Damage Waiver Lost Baggage Reimbursement Roadside Dispatch Trip Cancellation and Interruption Protection $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance	Cellular telephone protection Mastercard ID theft protection Purchase security Zero liability protection No foreign transaction fees Mastercard Global Service™ Concierge Service Mastercard Travel and Lifestyle Services Mastercard Airport Concierge™ Mastercard Golf Auto rental collision damage waiver Trip cancellation and interruption protection Trip delay reimbursement Mastercard World Elite benefits

Wells Fargo Visa Benefits

Wells Fargo Mastercard Benefits

Cellular telephone protection
Extended warranties
Purchase protection
Zero Liability protection
Access to Credit Close-Up℠ credit monitoring tool
Visa Signature® Concierge Services
Visa Signature Hotel Collection
Emergency Cash Disbursement and Card Replacement
Travel and Emergency Assistance Services
Auto Rental Collision Damage Waiver
Lost Baggage Reimbursement
Roadside Dispatch
Trip Cancellation and Interruption Protection
$1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance

Cellular telephone protection
Mastercard ID theft protection
Purchase security
Zero liability protection
No foreign transaction fees
Mastercard Global Service™
Concierge Service
Mastercard Travel and Lifestyle Services
Mastercard Airport Concierge™
Mastercard Golf
Auto rental collision damage waiver
Trip cancellation and interruption protection
Trip delay reimbursement
Mastercard World Elite benefits

How to apply for a Wells Fargo credit card

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.

Check your credit score with LendingTree Spring
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

How to redeem Wells Fargo rewards

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^® Card and Wells Fargo Autograph Journey^℠ Card let 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.

Log in to Wells Fargo Rewards portal here: https://www.wellsfargo.com/redeem.
Navigate to the redemption options and choose the one that works best for you.
Redeem your Wells Fargo rewards.

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

Note that not all Wells Fargo cards on this page earn Wells Fargo rewards. For example, the Bilt World Elite Mastercard^® and Choice Privileges^® Select Mastercard^® earn rewards through their own loyalty programs.

Pros and cons of credit cards from Wells Fargo

Competitive rewards programs and earning rates
Generous sign-up bonuses on some cards
Flexible redemptions for rewards
Can be used everywhere Visa and Mastercard are accepted
Zero liability fraud protection
Cellular telephone protection
Some cards have travel insurance benefits

Fewer card options than some other issuers
Cards generally require good to excellent credit
Some cardholders have noted customer service issues
Many cards charge foreign transaction fees

Frequently asked questions

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.

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 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, Signify Business Cash℠ Card, One Key™ Card, Choice Privileges^® Mastercard^® and One Key+™ Card has been independently 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.

Best Wells Fargo Credit Cards in 2025