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Best Wells Fargo Credit Cards of April 2020

NerdWalletMarch 20, 2020

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Wells Fargo Credit Cards of April 2020

Our pick for

Travel

Wells Fargo Propel American Express® Credit Card

on Wells Fargo's website

Rates & Fees
Annual Fee

$0

Regular APR

13.99% - 25.99% Variable APR

Intro APR

0% intro APR for 12 months on purchases and qualifying balance transfers

Recommended Credit Score
The Wells Fargo Propel American Express® 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 triple points on a wide variety of spending, including dining out and ordering in; gas stations, rideshares and transit; travel categories like airfare, hotels, homestays and car rentals; and even popular online streaming services. All other spending earns 1 point per dollar. Plus, the card comes with a generous welcome offer: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. You even an introductory 0% 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. As an American Express, acceptance is more limited abroad.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees

Our pick for

Everyday spending

Wells Fargo Cash Wise Visa® Credit Card

on Wells Fargo's website

Rates & Fees
Annual Fee

$0

Regular APR

13.99% - 25.99% Variable APR

Intro APR

0% intro APR for 15 months on purchases and qualifying balance transfers

Recommended Credit Score
The Wells Fargo Cash Wise Visa® card offers solid, no-fuss cash rewards — an unlimited 1.5% cash back on purchases — for a $0 annual fee.

Pros

You get 1.5% cash back on purchases — and in your first year, that bumps up to 1.8% cash back on qualified digital wallet purchases. You're also eligible for a sign-up bonus: Earn a $150 cash rewards bonus after spending $500 in the first 3 months. And the card offers an introductory APR period, too: 0% APR for 15 months on purchases and qualifying balance transfers, and then the ongoing APR of 13.99% - 25.99% Variable APR.

Cons

You can't redeem your cash back until you've earned a minimum amount. The cash-back minimums (which also apply to the Wells Fargo Propel American Express® card): • At least $20 to withdraw cash from a Wells Fargo ATM. • At least $25 to redeem via phone or online (as a statement credit or a deposit into a Wells Fargo account), or to request a mailed paper check.
  • Earn a $150 cash rewards bonus after spending $500 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google 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 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms and conditions
  • View Rates and Fees

Our pick for

0% APR or balance transfers

Wells Fargo Visa Platinum Card Credit Card

on Wells Fargo's website

Rates & Fees

on Wells Fargo's website

Rates & Fees
Annual Fee

$0

Regular APR

15.49% - 24.99% Variable APR

Intro APR

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

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.

Pros

You get an introductory APR of 0% APR for 18 months on purchases and qualifying balance transfers, and then the ongoing APR of 15.49% - 24.99% Variable APR. That's one of the longer 0% periods on the market. The annual fee is $0

Cons

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.
  • Pay down balances instead of interest with Wells Fargo's longest intro APR
  • $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®
  • Zero Liability protection for promptly reported unauthorized transactions
  • 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 and Fees

Last updated on March 20, 2020

Methodology

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.