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Best Wells Fargo Credit Cards

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by Sean Bryant | Updated Jun. 13, 2017
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Overview

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 Wells Fargo Credit Card for Cash Back

More Details

  • New! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99%-25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Annual Fee

$0

Purchase Intro APR

0% for 12 Months

Balance Transfer Intro APR

0% for 12 Months

Regular APR

13.99% - 25.99% (Variable)

Benefits

If you are looking for a credit card with no annual fee and the ability to earn cash back, then you might be interested in Wells Fargo Cash Wise Visa® Card. This card is perfect for anyone wanting a simple, hassle-free cash back card.

When you sign up for Wells Fargo Cash Wise Visa® Card, you will receive a $0 bonus after you spend $0 in the first 0 months. You will also receive an unlimited 1.5% cash back on all purchases. If you use a mobile wallet, like Apple Pay or Android Pay, your cash back earnings will increase to 1.8%. As long as you keep your account open and in good standing, your rewards won’t expire.

When you do decide to cash out your rewards, you can receive cash by using a Wells Fargo debit card at any Wells Fargo ATM. You can also choose to have your earnings applied to any Wells Fargo mortgage or deposited into a checking or savings account.  

Things to Consider

Wells Fargo Cash Wise Visa® Card has an introductory 0% APR for the first 12 months on purchases and balance transfers. If you are planning to take advantage of this to move an existing balance, be aware that there is an introductory $5 or 3% (whichever is greater) balance transfer fee, for 12 months. After that, the balance transfer fee will be up to 5% for each transfer, with a minimum of $5.

Verdict

If you are looking for a new cash back card, then Wells Fargo Cash Wise Visa® Card is a great option. You will receive a flat cash back rate on all purchases, a generous sign-up bonus and no annual fee.

Best Wells Fargo Credit Card for Average Credit

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  • 0% Intro APR for 15 months on purchases and balance transfers, then a 15.90%-25.74% variable APR; balance transfer fees apply
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Card
  • Free access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months

Regular APR

15.90% - 25.74% Variable

Benefits

If you are currently working to improve your credit, then a great card to have in your wallet might be Wells Fargo Platinum Visa® Card. This card is perfect for anyone with a good to excellent credit score.

Once you become a cardholder, you will receive an introductory 0% APR for 15 months on purchases and balance transfers. Once the introductory period is over the APR will change to 15.90% - 25.74% Variable. If you are planning to transfer a balance from another card, then there will be an introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 15 months. After that, up to 5% for each balance transfer, with a minimum of $5.

This card also comes with a fairly unique feature that not many other cards includes. You’ll receive up to $600 worth of protection on your cell phone when you pay your bill using Wells Fargo Platinum Visa® Card. This protection has a $25 deductible, but will cover the phone against damage or theft.

Things to Consider

Unfortunately, this card does not come with a sign-up bonus or the ability to earn rewards on purchases. Instead its main objective is to help build your credit so you can move into a card with more perks.

Verdict

If you have a decent credit score and are looking to boost it even higher, then Wells Fargo Platinum Visa® Card is a perfect option. The card comes with no annual fee and also has a lengthy introductory 0% APR.

Best Wells Fargo Credit Card for Rewards

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  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, 1X point on other purchases
  • 0% Intro APR for 15 months on purchases and balance transfers, then a 13.49%-25.49% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Enjoy exclusive offers on airline tickets, hotels, car rentals, and cruises
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far™ Rewards
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Propel American Express® Card
  • Earn an annual relationship bonus of 10% on non-bonus rewards points if you maintain a qualifying Wells Fargo account
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Annual Fee

$0

Purchase Intro APR

0% APR for 15 Months

Balance Transfer Intro APR

0% APR for 15 Months

Regular APR

13.49% - 25.49% Variable

Benefits

If you are currently using a credit card that doesn’t offer rewards, then you are missing out. Credit card rewards can put cash back into your pocket and help you earn free travel. One of the best Wells Fargo cards for rewards is Wells Fargo Propel American Express® Card.

When you use this card at gas stations, you’ll earn 3x points. You’ll also receive 2x points at restaurants and 1x points on all other purchases. Each point is worth $0.01, which means 2,500 points have a value of $25. When you do redeem your points, Wells Fargo gives you many different options. You can choose to use them on travel, cash, gift cards and more.

Another perk with this card is the 0% introductory APR for 15 months on purchases and balance transfers. Once the introductory period is over, the APR will become 13.49% - 25.49% Variable. There’s also no annual fee on this card.

Things to Consider

One thing that a lot of reward cards include is a sign-up bonus. Unfortunately, this is an area where Wells Fargo Propel American Express® Card falls a little flat. There is no sign-up bonus included, but because there is no annual fee, this is something that you could look beyond and focus on the reward potential.

Verdict

For anyone looking for a Wells Fargo reward card, Wells Fargo Propel American Express® Card is a great choice. While it doesn’t have a sign-up bonus, it does let you earn up to 3x points on everyday purchases, plus there is no annual fee.

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.

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