Best Wells Fargo Credit Cards of August 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 From Our Partners
| Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
|---|---|---|---|---|---|
Wells Fargo Autograph℠ Card Apply now on Wells Fargo's website | Best for Travel | $0 | 0% intro APR on Purchases for 12 months | 17.24%, 22.24%, or 27.24% Variable APR | Apply now on Wells Fargo's website |
Wells Fargo Active Cash® Card Apply now on Wells Fargo's website | Best for Cash back | $0 | 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers | 17.24%, 22.24%, or 27.24% Variable APR | Apply now on Wells Fargo's website |
Wells Fargo Reflect® Card Apply now on Wells Fargo's website | Best for 0% intro APR | $0 | 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers | 15.24%- | Apply now on Wells Fargo's website |
Our pick for
Travel
on Wells Fargo's website
on Wells Fargo's website
$0
0% intro APR on Purchases for 12 months
17.24%, 22.24%, or 27.24% Variable APR
The Wells Fargo Autograph℠ Card boasts a stunning combination of features for a travel credit card with a $0 annual fee, including 3X points on a wide variety of common expenses.
The Wells Fargo Autograph℠ Card boasts a stunning combination of features for a travel credit card with a $0 annual fee, including 3X points on a wide variety of common expenses.
Pros
The card earns unlimited 3 points per dollar spent on travel, dining, gas stations, transit, popular streaming services and phone plans. Other spending earns 1 point per dollar. The bonus offer is outstanding for a $0-annual-fee card, and you even get a introductory APR period.
Cons
You won't get some of the premium perks you can find on travel cards that charge annual fees, such as travel credits, transfer partners and airport lounge access.
Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
$0 annual fee
0% intro APR for 12 months from account opening on purchases. 17.24%, 22.24%, or 27.24% variable APR thereafter
Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
Select "Apply Now" to learn more about the product features, terms and conditions.
- View Rates & Fees
Our pick for
Cash back
on Wells Fargo's website
on Wells Fargo's website
$0
0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers
17.24%, 22.24%, or 27.24% Variable APR
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 on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 17.24%, 22.24%, or 27.24% 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 17.24%, 22.24%, or 27.24% 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 categories to track or remember 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 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
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
$0
0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers
15.24%-27.24% Variable APR
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 on Purchases for up to 21 months and 0% intro APR on Balance Transfers up to 21 months from account opening on qualifying balance transfers, and then the ongoing APR of 15.24%-27.24% Variable APR
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. 15.24% to 27.24% 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).
An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.
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: Travel
The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. 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 August 1, 2022
