Overview of the Best Wells Fargo Credit Cards
Wells Fargo is one of the largest banks in the United States and they also have a wide range of credit cards for both consumers and small business. They feature cards for people looking to earn cash back on purchases, travel rewards and even those looking to rebuild or build their credit scores. Because there are so many different options to choose from, we have tried to make the selection process a little simpler. Based on the type of card you’re interested in and the spending you typically do each month, we have come up with the best Wells Fargo credit cards. See More
| Best for | Category Winner | Annual Fee | First Year Rewards | |
|---|---|---|---|---|
 | Cash back | Wells Fargo Active Cash(SM) Card | $0 | $1,890 |
 | Intro APR | Wells Fargo Reflect(SM) Card | $0 | N/A |
 | Hotels | Hotels.com® Rewards Visa® Credit Card | $0 | $365 |
Best Wells Fargo Credit Card for Cash Back
Wells Fargo Active Cash(SM) Card
Details
The Wells Fargo Active Cash(SM) Card is Wells Fargo's strong cash back option. With this card, you’ll earn unlimited 2% cash back on qualifying purchases. There are no category limits or activations to worry about. To make matters even better, you can currently earn a bonus of $200 cash back when you spend $1,000 in purchases over your first three months as a cardholder. There is no annual fee associated with this card, which allows you to keep more of your rewards in your pocket.
On top of these rewards, cardholders will have access to a 0% introductory APR for 15 months after account opening on both purchases and qualifying balance transfers. After that, your variable APR will be 14.99%, 19.99% or 24.99% based on your creditworthiness.
The card also comes with a number of standard features. You’ll be able to use it for contactless payments and you won't be held responsible for any unauthorized transactions that you report. You also get $600 of protection against cell phone damage or theft when you use your card to pay your bill.
Why We Like It
It’s not often that you see such a solid cash back offering from a personal card with no annual fee. Even the Citi Double Cash Card, another option that offers 2% cash back, only gives you 1% as you pay and 1% as you spend. In other words, 2% cash back on purchases and with no strings attached makes this card really stand out. The additions of cell phone protection and the 0% intro APR offer only make things better. All in all, this isn’t just the top Wells Fargo card currently on the market, it’s one of the best cash back cards out there, period.
- Earn unlimited 2% cash back on purchases with no annual fee
- Earn a $200 cash back bonus after spending $1,000 on your card over the first three months
- 0% APR introductory APR for 15 months on purchases and qualifying balance transfers; then 14.99%, 19.99% or 24.99% variable APR
- No annual fee
- 3% foreign transaction fee
- No mileage- or points-based rewards
More Details
- After spending $1,000 on purchases in the first 3 months, you will earn a $200 cash rewards bonus
- 2% unlimited cash rewards on qualifying purchases
- Receive a 0% Intro APR on purchases and balance transfers for 15 months, 14.99% - 24.99% Variable APR will apply after that. Balance transfers must be requested within the first 120 days to qualify for the intro rate and a fee of 3%, then a fee of up to 5%, min. $5 will apply.
- No annual fee
- No need to sign up for category rewards and cash back doesn't expire as long as your account remains open and in good standing
- Enjoy Visa Signature Concierge benefits
- When you pay your cell phone bill with your Wells Fargo Platinum card, you get up to $600 in protection against covered damage or theft for your phone (subject to a $25 deductible)
- Select "Learn More" to read more about the features of this card including terms and conditions
Annual Fee
$0Purchase Intro APR
0% for 15 monthsBalance Transfer Intro APR
0% for 15 months (on qualifying balance transfers)Regular APR
14.99% - 24.99% VariableDetails
The Wells Fargo Active Cash(SM) Card is Wells Fargo's strong cash back option. With this card, you’ll earn unlimited 2% cash back on qualifying purchases. There are no category limits or activations to worry about. To make matters even better, you can currently earn a bonus of $200 cash back when you spend $1,000 in purchases over your first three months as a cardholder. There is no annual fee associated with this card, which allows you to keep more of your rewards in your pocket.
On top of these rewards, cardholders will have access to a 0% introductory APR for 15 months after account opening on both purchases and qualifying balance transfers. After that, your variable APR will be 14.99%, 19.99% or 24.99% based on your creditworthiness.
The card also comes with a number of standard features. You’ll be able to use it for contactless payments and you won't be held responsible for any unauthorized transactions that you report. You also get $600 of protection against cell phone damage or theft when you use your card to pay your bill.
Why We Like It
It’s not often that you see such a solid cash back offering from a personal card with no annual fee. Even the Citi Double Cash Card, another option that offers 2% cash back, only gives you 1% as you pay and 1% as you spend. In other words, 2% cash back on purchases and with no strings attached makes this card really stand out. The additions of cell phone protection and the 0% intro APR offer only make things better. All in all, this isn’t just the top Wells Fargo card currently on the market, it’s one of the best cash back cards out there, period.
Best Wells Fargo Credit Card for Intro APR
Wells Fargo Reflect(SM) Card
Details
The Wells Fargo Reflect(SM) Card is one of the most APR-centric credit cards on the market, and it comes with a handful of useful features. For starters, cardholders will have access to a 0% intro APR for 18 months from account opening. This APR applies to both purchases and qualifying balance transfers. On top of that, you’ll be able to extend this 0% intro APR period by up to three months by making on-time minimum payments throughout the introductory and extension periods. After the intro period concludes, a variable APR of 12.99% - 24.99% will apply, depending on your creditworthiness.
In order to take advantage of the intro rate on a balance transfer, you’ll need to make them within 120 days of account opening. This card does not have an annual fee, but there is a 3% foreign transaction fee.
Why We Like It
While the Wells Fargo Reflect(SM) Card doesn’t come with a big welcome bonus or a lucrative rewards program, it’s a great card for anyone that wants to take advantage of a lengthy 0% APR period. To make matters even better, you can extend the 0% APR period by an additional three months if you make on-time minimum payments during the intro and extension period, which pushes this offer to a significant maximum of up to 21 months. While carrying a sizable balance on a credit card isn’t usually advisable, the Wells Fargo Reflect(SM) Card could be a great option for anyone that needs some extra time to pay off a credit card bill.
- No annual fee
- 0% intro APR for 18 months; then 0% intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods; 12.99% - 24.99% variable APR thereafter
- No rewards program
- 3% foreign transaction fee
More Details
- Receive a long 0% Intro APR on purchases and balance transfers for 18 months. An Intro APR extension APR of up to 3 months will apply with on-time minimum payments during the intro and extension periods. A 12.99% - 24.99% Variable APR will apply after that. Balance transfers must be requested within the first 120 days to qualify for the transfer intro fee rate of 3%. After that, the BT fee will be 5%, min $5
- No annual fee
- When you pay your cell phone bill with your eligible Wells Fargo card, you get up to $600 in protection against covered damage or theft for your phone (subject to a $25 deductible)
- By using your eligible Wells Fargo Credit Card, through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience
- Select "Learn More" to read more about the features of this card including terms and conditions
Annual Fee
$0Purchase Intro APR
0% for up to 21 monthsBalance Transfer Intro APR
0% for up to 21 months (on qualifying balance transfers)Regular APR
12.99% - 24.99% variableDetails
The Wells Fargo Reflect(SM) Card is one of the most APR-centric credit cards on the market, and it comes with a handful of useful features. For starters, cardholders will have access to a 0% intro APR for 18 months from account opening. This APR applies to both purchases and qualifying balance transfers. On top of that, you’ll be able to extend this 0% intro APR period by up to three months by making on-time minimum payments throughout the introductory and extension periods. After the intro period concludes, a variable APR of 12.99% - 24.99% will apply, depending on your creditworthiness.
In order to take advantage of the intro rate on a balance transfer, you’ll need to make them within 120 days of account opening. This card does not have an annual fee, but there is a 3% foreign transaction fee.
Why We Like It
While the Wells Fargo Reflect(SM) Card doesn’t come with a big welcome bonus or a lucrative rewards program, it’s a great card for anyone that wants to take advantage of a lengthy 0% APR period. To make matters even better, you can extend the 0% APR period by an additional three months if you make on-time minimum payments during the intro and extension period, which pushes this offer to a significant maximum of up to 21 months. While carrying a sizable balance on a credit card isn’t usually advisable, the Wells Fargo Reflect(SM) Card could be a great option for anyone that needs some extra time to pay off a credit card bill.
Best Wells Fargo Credit Card for Hotels
Hotels.com® Rewards Visa® Credit Card
Details
The Hotels.com® Rewards Visa® Credit Card is a co-branded offer from Wells Fargo with an impressive suit of benefits for hotel goers. Cardholders can earn two free hotel nights worth $250 total (max $125 per night) upon spending $1,000 on their card during the first three months.
The benefits don’t stop there. Hotels.com also offers a free reward night to users who earn 10 stamps, which are garnered for each night you stay in a hotel booked on Hotels.com. This card accelerates that process, as cardholders can earn one stamp for each $500 purchase made with the card.
On top of these hotel-oriented perks, you won’t pay any foreign transaction fees with this card, nor will you be on the hook for an annual fee. You also get $600 of cell phone protection when you pay your bill with the card, enjoy zero liability from unauthorized transactions and have access to trip cancellation and interruption protections. Plus, cardholders are automatically Silver tier members with Hotels.com during their first year of card membership, which gives you access to free breakfast, airport transfers, free WiFi and more at participating hotel locations.
Why We Like It
It can be tough to find a solid travel-oriented credit card that comes with no annual fee. So despite the fact that you won’t pay to own this card, it’s still chock-full of benefits. With many different ways to earn stamps towards free nights and the ability to get two free nights through card spending alone, the opportunity for free hotel nights is pretty appealing with this card. The Hotels.com® Rewards Visa® Credit Card is a great option for even a relatively casual hotel visitor, though frequent travelers will only benefit more
- No annual fee
- Earn stamps toward free nights upon making purchases of $500 or more
- Two free hotel nights worth $250 total (max $125 per night) when you spend $1,000 on the card during the first three months
- Limited hotel benefits beyond free night stamps
- Silver membership with Hotels.com only lasts one year
More Details
- Earn 2 rewards nights (up to $125/night* - worth a total of $250) when you spend $1,000 on purchases in the first 3 months. If a night costs less than the max of $125 allotted, you will not receive the difference. *Excludes taxes and fees.
- For every night you stay at an eligible property booked on Hotels.com, you will collect 1 stamp. Collect 1 stamp every time you spend $500 on purchases with your card. When you get to a total of 10 stamps collected, you will get 1 reward night to redeem on future bookings through Hotels.com
- Redeem rewards nights at over 500,000 properties in 200+ countries
- No annual fee
- Enjoy silver membership exclusives during your first year, such as free breakfast, free WiFi and airport transfers at select properties
- When you pay your cell phone bill with your Wells Fargo Platinum card, you get up to $600 in protection against covered damage or theft for your phone (subject to a $25 deductible)
- No foreign transaction fee
- When passenger fare is booked with your card, if your trip is interrupted or cancelled for a covered reason, receive reimbursement for non-refundable passenger fare
Annual Fee
$0Purchase Intro APR
N/ABalance Transfer Intro APR
N/ARegular APR
14.99% - 22.99% VariableDetails
The Hotels.com® Rewards Visa® Credit Card is a co-branded offer from Wells Fargo with an impressive suit of benefits for hotel goers. Cardholders can earn two free hotel nights worth $250 total (max $125 per night) upon spending $1,000 on their card during the first three months.
The benefits don’t stop there. Hotels.com also offers a free reward night to users who earn 10 stamps, which are garnered for each night you stay in a hotel booked on Hotels.com. This card accelerates that process, as cardholders can earn one stamp for each $500 purchase made with the card.
On top of these hotel-oriented perks, you won’t pay any foreign transaction fees with this card, nor will you be on the hook for an annual fee. You also get $600 of cell phone protection when you pay your bill with the card, enjoy zero liability from unauthorized transactions and have access to trip cancellation and interruption protections. Plus, cardholders are automatically Silver tier members with Hotels.com during their first year of card membership, which gives you access to free breakfast, airport transfers, free WiFi and more at participating hotel locations.
Why We Like It
It can be tough to find a solid travel-oriented credit card that comes with no annual fee. So despite the fact that you won’t pay to own this card, it’s still chock-full of benefits. With many different ways to earn stamps towards free nights and the ability to get two free nights through card spending alone, the opportunity for free hotel nights is pretty appealing with this card. The Hotels.com® Rewards Visa® Credit Card is a great option for even a relatively casual hotel visitor, though frequent travelers will only benefit more
Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.
