Best Wells Fargo Credit Cards of September 2021

NerdWalletJun 1, 2021

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ALSO SEE: Best credit cards of 2021 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells FargoWells 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.

NerdWallet's Best Wells Fargo Credit Cards of September 2021

Best Wells Fargo Credit Cards From Our Partners

Our pick for

0% APR or balance transfers

Wells Fargo Visa Platinum Card Credit Card
Apply now

on Wells Fargo's website

Wells Fargo Platinum card


NerdWallet rating 
Apply now

on Wells Fargo's website

Annual fee


Intro APR

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers

Regular APR

16.49% - 24.49% Variable APR

Recommended Credit Score

The Wells Fargo Platinum card gives you a nice, long runway if you need time to pay off debt or finance a large purchase.


  • You get an introductory APR of 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 16.49% - 24.49% Variable APR. That's one of the longer 0% periods on the market. The annual fee is $0


  • If you're transferring a balance, you'll pay a fee: 3% of the transferred balance (minimum $5) for transfers within 120 days from account opening. After that, the fee rises to 5% (minimum $5). Also, the card earns no rewards, so there isn't a lot of incentive to keep using it after the 0% period ends.

Read full review
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% 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

  • 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 card

  • Easy access to your FICO® Credit Score with Wells Fargo Online®

  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications

  • Convenient tools to help create a budget and manage your spending with My Money Map

  • 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: 0% APR or balance transfers

The Wells Fargo Platinum card is pretty bare bones — but they're good bones. You get a nice, long introductory 0% APR period on both purchases and balance transfers, plus no annual fee. There are no rewards, but you get automatic cell phone protection when you pay your wireless bill with the card, so there's a great reason to hold onto it long-term. Read our review.

Last updated on June 1, 2021


NerdWallet's credit cards team selects the best 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 in multiple categories.