Best Wells Fargo Credit Cards of January 2022
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ALSO SEE: Best credit cards of 2022 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo
Wells Fargo's credit cards haven't always offered the biggest rewards or the flashiest benefits — but things have changed a lot in recent years as the issuer has rolled out products that appeal even to people who don't bank with Wells Fargo. Wells Fargo also cards offer certain features that are hard to find elsewhere:
• Cash rewards — literally. Wells Fargo lets its banking customers redeem credit card rewards in $20 bills right at the ATM. To do this, use your Wells Fargo debit card at a Wells Fargo-owned ATM. • Cell phone protection. You'll receive up to $600 worth of coverage — after a $25 deductible — if your cell phone is damaged or stolen and you pay its monthly bill with an eligible Wells Fargo credit card.
ALSO SEE: Best credit cards of 2022 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo
Wells Fargo's credit cards haven't always offered the biggest rewards or the flashiest benefits — but things have changed a lot in recent years as the issuer has rolled out products that appeal even to people who don't bank with Wells Fargo. Wells Fargo also cards offer certain features that are hard to find elsewhere:
• Cash rewards — literally. Wells Fargo lets its banking customers redeem credit card rewards in $20 bills right at the ATM. To do this, use your Wells Fargo debit card at a Wells Fargo-owned ATM. • Cell phone protection. You'll receive up to $600 worth of coverage — after a $25 deductible — if your cell phone is damaged or stolen and you pay its monthly bill with an eligible Wells Fargo credit card.
Best Wells Fargo Credit Cards
Our pick for
Cash back
on Wells Fargo's website
on Wells Fargo's website
Annual fee
$0
Intro APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Regular APR
14.99%-24.99% Variable APR
Recommended Credit Score
The $0-annual-fee Wells Fargo Active Cash℠ Card offers the best of many worlds: a rich ongoing rewards rate on all purchases, a generous sign-up bonus, and a lengthy 0% intro APR period on both purchases and balance transfers.
The $0-annual-fee Wells Fargo Active Cash℠ Card offers the best of many worlds: a rich ongoing rewards rate on all purchases, a generous sign-up bonus, and a lengthy 0% intro APR period on both purchases and balance transfers.
Pros
You'll earn 2% back on all purchases, plus the card starts you off with a sizable sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.. If you're looking to save money on interest, the card also offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 14.99%-24.99% Variable APR.
Cons
Earning 2% back on everything is great, but you can find cards with higher rates in specific spending categories if you're willing to put in some work on tracking those categories.
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
Earn unlimited 2% cash rewards on purchases
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% variable APR; 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 category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
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 Active Cash℠ Card
Select “Apply Now” to learn more about the product features, terms and conditions
- View Rates & Fees
Our pick for
0% intro APR
on Wells Fargo's website
on Wells Fargo's website
Annual fee
$0
Intro APR
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
Regular APR
12.99%-24.99% Variable APR
Recommended Credit Score
The $0-annual-fee Wells Fargo Reflect℠ Card is one of the best options on the market for those seeking breathing room from interest.
The $0-annual-fee Wells Fargo Reflect℠ Card is one of the best options on the market for those seeking breathing room from interest.
Pros
The card's standout feature is its uber-lengthy 0% intro APR period. It offers a 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, and then an ongoing APR of 12.99%-24.99% Variable APR. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods.
Cons
It doesn't earn ongoing rewards, beyond allowing you to opt into one-time offers through My Wells Fargo Deals. There's also a balance transfer fee.
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 12.99% to 24.99% 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
Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
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 simply by using your eligible Wells Fargo Credit Card
Select “Apply Now” to learn more about the product features, terms and conditions
- View Rates & Fees
Here are the top Wells Fargo credit cards. Click the card name to read our review. Before applying, verify details on the issuer's website:
Our pick for: Cash back
Among flat-rate cash-back cards, you'll be hard-pressed to beat the Wells Fargo Active Cash℠ Card. It earns an unlimited 2% back on all purchases, which is excellent. But in addition, the card offers a rich sign-up bonus and a generous 0% intro APR on both purchases and balance transfers. That's an impressive, hard-to-find combination of features on a card with a $0 annual fee. Read our review.
Our pick for: 0% intro APR
The Wells Fargo Reflect℠ Card has one of the longest 0% intro APR periods on the market — potentially approaching almost two years, if you meet on-time minimum payment requirements. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. Read our review.
Last updated on December 31, 2021
Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.
