Best Wells Fargo Credit Cards: NerdWallet’s Picks

Best for Rewards: the Wells Fargo Cash Back Platinum Card

The Wells Fargo Platinum card is a no-nonsense cash back credit card that earns you 1% cash on all your purchases. It’s the best rewards card Wells Fargo has to offer, and it’s great for anyone looking for a no-hassle cash back program.

With no minimum purchase requirements or expiration dates, the Platinum keeps its rewards system simple. You can redeem your cash rewards through automatic deposit into your savings or checking account, use them as loan payments or receive them as a check in increments of $25. The flat 1% rate means you never have to worry about where you’re spending or what you’re buying. You’ll earn rewards wherever you go.

In addition to great rewards, the Platinum offers some pretty phenomenal terms. Most impressively, you won’t have to pay an annual fee. Your rewards are truly free. The Platinum also grants new cardholders 0% introductory purchase and balance transfer APRs for the first 6 months. It’s a cash back credit card that doesn’t make you pay.

Best for Students: the Wells Fargo College Visa Card

Finding a reasonable card during college can be instrumental in setting the stage for a lifetime of good credit. This means finding a card with a fair APR that will take it easy on new players in the credit card game. The Wells Fargo College Visa card is a great place to start.

The Wells Fargo College card is a good choice for students primarily because it’s cheap. It doesn’t have an annual fee, which is essential for students who are strapped for cash. The APR is remarkably low for a student card, especially taking into account the 5.9% introductory APR for the first 6 months. If you accidentally overspend, you can recover without too much injury to your credit score or checking account.

Wells Fargo also offers a student rewards card with a 1% cash back rate. Like the Platinum, the student card makes earning and redeeming easy and rewarding. The trade off is a higher APR, but it’s still not terrible for a student credit card.

Best for Business: the Wells Fargo Business Platinum

If you’re a business owner—especially a new business owner—chances are you need to make some sizable purchases now and again. The Wells Fargo Business Platinum advertises itself as a card ideal for “businesses that need up to 99 cards.” With its $50,000 credit limit, you can make the investments you need to take your business to the next level.

Like the Platinum, the Wells Fargo Business card offers 1% cash back on all purchases. The annual fee is $50 (waived the first year), which you’ll make up quickly with rewards on business purchases. And with benefits like extended warranties, discounts through the Visa Business Partner Advantage Program and travel accident insurance up to $250,000, the Wells Fargo Business Platinum is a useful business credit card for growing your business a size larger.