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Wells Fargo doesn't have a huge variety of cards to choose from, but they're definitely still worth looking into. Each Wells Fargo credit card has its own unique list of rewards and benefits that suit a variety of different customers.
Best Wells Fargo Credit Cards of 2023
- Wells Fargo Active Cash® Card: Best for flat-rate cash rewards
- Bilt Mastercard®: Best if you pay rent
- Wells Fargo Reflect® Card: Best for paying down debt
- Wells Fargo Autograph℠ Card: Best for unlimited cash rewards
- Choice Privileges® Select Mastercard® : Best for Choice hotel stays
From cards that earn you points for paying rent, to being able to earn unlimited points on select bonus categories like dining and transit, to one of the longest 0% APR credit card offers on the market, there's a Wells Fargo credit card for just about everyone.
Compare Wells Fargo Credit Cards
Wells Fargo Credit Card Frequently Asked Questions (FAQ)
Wells Fargo is still offering credit cards. Although Wells Fargo did retire most of its legacy cards (such as the Wells Fargo Propel American Express® card), a new generation of products has been released with some of the same characteristics as the retired cards. The newest releases from Wells Fargo are the Bilt Mastercard®, Wells Fargo Reflect Card, Wells Fargo Autograph Card, and Wells Fargo Active Cash Card.
Plus, Wells Fargo just launched two new Choice Hotels credit cards: the Choice Privileges® Select Mastercard® and Choice Privileges® Mastercard® . Both come with excellent welcome bonus offers, Choice elite night credits, cell phone protection, and good earning rates at Choice Hotels.
You need good to excellent credit to qualify for a Wells Fargo card (FICO defines a good credit score to be between 670 and 739).
Wells Fargo does not limit the number of cards you can have at one time. However, you might not qualify for another card if you've opened one in the last six months.
As of December 2019, the Wells Fargo Secured Card was no longer accepting applications. There do not seem to be any plans for reopening the card. Other banks that offer secured credit cards are Capital One, Citi, Discover, and Bank of America. Read our guide to the best credit cards for bad credit and best secured credit cards for the top options.
You can apply for a Wells Fargo card on the Wells Fargo website or in person at a Wells Fargo branch.
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Wells Fargo Autograph℠ Card
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Wells Fargo Reflect® Card
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Wells Fargo Active Cash® Card
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Bilt Mastercard®
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Choice Privileges® Select Mastercard®
Best Wells Fargo Credit Card for Flat-Rate Cash Rewards
Wells Fargo Active Cash® Card
Why the Wells Fargo Active Cash card is worth it: The Wells Fargo Active Cash Card earns 2% cash rewards on purchases — one of the best flat cash rewards rates of any no-annual-fee card.
The Wells Fargo Active Cash Card offers 2% cash rewards on purchases. The welcome bonus offer is decent for a no-annual-fee card, and there are no rotating categories, no quarterly activations, no category limitations, and no earning caps.
The Wells Fargo Active Cash Card is part of the Wells Fargo Rewards program so you can redeem rewards as statement credits (to a Wells Fargo Mortgage, loan, or credit product), on purchases charged to your credit (starting at $1), and as cash or gift cards. You can also redeem rewards toward travel bookings.
The Wells Fargo Active Cash Card has a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then a 20.24%, 25.24%, or 29.99% variable APR). Although the Wells Fargo Reflect Card has a longer intro APR offer, this is still a solid deal.
Another great feature is cell phone protection coverage if your phone is damaged or stolen. It's worth up to $600 per claim, with a $25 deductible (maximum of two claims every year). Other benefits include Visa Signature concierge (24/7 concierge service), travel emergency cash disbursement and card replacement, roadside dispatch, and access to the Visa Signature Luxury hotel collection.
Wells Fargo Active Cash Card Review
Best Wells Fargo Credit Card if You Pay Rent
Bilt Mastercard®
Why the Wells Fargo Bilt Mastercard is worth it: The Bilt Mastercard® lets you earn points when you pay rent with no additional fees, no annual fee, and you can transfer points to excellent airline and hotel partners.
If you're looking to earn rewards on rent payments, the Bilt Mastercard® is the best (and only) card that allows you to earn points when you pay your rent, with no additional fees. Bilt can send a check, or make a direct bank transfer to your landlord to avoid the transaction fee.
You earn 1 Bilt point per dollar spent on rental payments up to $100,000 a year for no annual fee. You can also earn 2x points on travel bookings, 3x points on dining, and 1x points on all other purchases. However, you have to make at least five transactions per statement to receive any earned points.
The Bilt Mastercard® lets you earn 2,500 Bilt points per friend you refer, and 10,000 bonus points after you successfully refer five members. You can earn up to 2,025,000 points from referrals, and you don't even need to be a Bilt Mastercard® cardholder. Just use the Bilt app to "Invite" people.
Other than the $0 annual fee, the most notable benefit of the Bilt Mastercard® is that cardholders can transfer points to a great selection of airlines and hotels partnered with Bilt Rewards, including American Airlines, World of Hyatt, and British Airways.
Your other options for redeeming rewards are using points toward a down payment or mortgage, on fitness classes (like Soul Cycle, Rumble, and Y7), or merchandise (through the Bilt app).
Best Wells Fargo Credit Card for Paying Down Debt
Wells Fargo Reflect® Card
Why the Wells Fargo Reflect card is worth it: The Wells Fargo Reflect Card has an exceptionally long introductory APR offer which makes it a great choice for those trying to pay down debt or other large purchases.
Indeed, the Wells Fargo Reflect Card doesn't earn cardholders rewards or any sort of welcome bonus offer, but it's a great option for folks paying down debt. It offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then a 18.24%, 24.74%, 29.99% variable). That makes it one of the best balance transfer credit cards on the market today.
Although other cards offer a good intro APR as well as earn rewards on spending, the Wells Fargo Reflect Card's intro APR offer is significantly longer than most. To qualify for the intro APR on balance transfers, you have to make the transfer within the first 120 days of account opening and pay a fee of 5% for each balance transfer (minimum of $5).
The card comes only with a few perks, the most notable being cell phone protection. You can get up to $600 of cell protection against damage or theft (with the $25 deductible), but you have to pay your monthly phone bill with this card or an eligible Wells Fargo card to receive this benefit. When you use your Wells Fargo Reflect Card you also get roadside dispatch and zero liability protection.
If you're considering applying for the Wells Fargo Reflect Card, be mindful of when the intro APR bonus runs out. The regular APR is a 18.24%, 24.74%, 29.99% variable. Because the intro APR is the most rewarding aspect of the card, it's not a good choice for spending in the long term. But remember that the card has a $0 annual fee so it won't cost you anything to keep it.
Wells Fargo Reflect Credit Card Review
Best Wells Fargo Credit Card for Unlimited Cash Rewards
Wells Fargo Autograph℠ Card
Why the Wells Fargo Autograph card is worth it: The no-annual-fee Wells Fargo Autograph Card earns cardholders unlimited 3x points on select bonus categories with a sizable welcome bonus offer and a decent intro APR.
If you're looking for a no-annual-fee card you should check out the Wells Fargo Autograph Card. The card earns you unlimited rewards in a wide variety of bonus categories, as well as the opportunity to earn 20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening. With the Wells Fargo Autograph Card you'll earn 3x points on dining, travel, gas, transit, select streaming services, and on phone plans (all other purchases earn 1x points). The card also has 0% intro APR on purchases for 12 months from account opening (then a 20.24%, 25.24%, or 29.99% variable APR).
You can redeem points for travel (such as flights, car rentals, and hotel stays), as gift cards, and as purchases (starting at $1). Also, you can use your points to pay through PayPal.
The Wells Fargo Autograph Card gets decent benefits like cell phone protection, auto rental collision damage waiver, travel and emergency assistance, roadside dispatch, zero liability protection, and emergency cash disbursement and card replacement. You'll also get Visa Signature privileges like 24/7 concierge service and access to the Luxury Hotel Collection.
You'll probably only benefit from the Wells Fargo Autograph Card if your expenses match the 3x bonus categories. Otherwise, you'll only earn 1x points on other purchases so you're better off looking at other no-annual-fee cards that better match your preferred spending categories.
Wells Fargo Autograph Credit Card Review
Best Wells Fargo Credit Card for Choice Hotel Stays
Choice Privileges® Select Mastercard®
Why the Wells Fargo Choice Privileges Select Mastercard is worth it: Choice Hotels loyalists can earn a huge welcome bonus offer and get great benefits from the new Choice Privileges® Select Mastercard®.
The Choice Privileges® Select Mastercard® is one of two new Choice Hotels credit cards from Wells Fargo, and it's a terrific deal if you stay with Choice Hotels frequently and like to earn Choice Privileges points. For a limited time, it's offering 90,000 points after spending $3,000 in qualifying purchases in the first three months from account opening (worth around $630 in stays, based on Insider's points and miles valuations).
With the welcome bonus points alone, you could get up to 11 nights at Choice Hotels. The card also offers strong earning rates with Choice and other popular categories:
- 10x points on stays at participating Choice hotels
- 5x points at gas stations, grocery stores, home improvement stores, and on phone plans
- 1 point per dollar on all other purchases
There's an annual fee of $95 (waived the first year), but paying the fee can be well worth it if you make the most of the card's perks, which include 30,000 bonus points each account anniversary (worth around $210 in stays based on our valuations), automatic Platinum elite status, a Global Entry/TSA PreCheck application fee credit, cell phone protection, and World Elite Mastercard benefits.
Choice Privileges Select Mastercard Review
For rewards and benefits of the Bilt Mastercard, please click here.
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