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Best Wells Fargo Credit Cards of June 2023

NerdWallet May 8, 2023
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NerdWallet's Best Wells Fargo Credit Cards of June 2023

Find the right credit card for you.Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.
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Best Wells Fargo Credit Cards From Our Partners

Credit card
NerdWallet rating
Annual feeRewards rateIntro offerLearn more
Wells Fargo Autograph℠ Card card image
Wells Fargo Autograph℠ Card
Apply Now
on Wells Fargo's website
Rates & Fees
4.5/5
Best for Travel

$0

1x-3x

points

20,000

points
Apply Now
on Wells Fargo's website
Wells Fargo Active Cash® Card card image
Wells Fargo Active Cash® Card
Apply Now
on Wells Fargo's website
Best for Cash back

$0

2%

cashback

$200

Apply Now
on Wells Fargo's website
Wells Fargo Reflect® Card card image
Wells Fargo Reflect® Card
Apply Now
on Wells Fargo's website
Best for 0% intro APR

$0

N/A

N/A

Apply Now
on Wells Fargo's website
Our pick for

Travel

Wells Fargo Autograph℠ Card card image
Apply Now
on Wells Fargo's website

Wells Fargo Autograph℠ Card

4.5
NerdWallet rating
Wells Fargo Autograph℠ Card card image
NerdWallet rating
4.5/5
Apply Now
on Wells Fargo's website

Annual fee

$0

Rewards rate

1x-3x

Points

Intro offer

20,000

Points

Recommended Credit Score

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.

Product Details
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 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. 19.99%, 24.99%, or 29.99% 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
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.

Why We Like It

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.

Our pick for

Cash back

Wells Fargo Active Cash® Card card image
Apply Now
on Wells Fargo's website

Annual fee

$0

Rewards rate

2%

Cashback

Intro offer

$200

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.

  • Earn a $200 cash rewards bonus after spending $500 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 19.99%, 24.99%, or 29.99% 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 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
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 $500 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 19.99%, 24.99%, or 29.99% 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.

Why We Like It

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.

Our pick for

0% intro APR

Wells Fargo Reflect® Card card image
Apply Now
on Wells Fargo's website

Annual fee

$0

Rewards rate

N/A

Intro offer

N/A

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.

  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee
  • 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).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about the product features, terms and conditions
  • View Rates & Fees
Pros
  • The card's standout feature is its uber-lengthy 0% intro APR period. It offers a 0% intro APR on Purchases for 21 months from account opening and 0% intro APR on Balance Transfers for 21 months from account opening on qualifying balance transfers, and then the ongoing APR of 17.99%-29.99% 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.

Why We Like It

The $0-annual-fee Wells Fargo Reflect® Card is one of the best options on the market for those seeking breathing room from interest.

FULL LIST OF EDITORIAL PICKS: BEST WELLS FARGO CREDIT CARDS

Before applying, verify details on the issuer's website:

Wells Fargo Active Cash® Card

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.

Wells Fargo Autograph℠ Card

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.

Wells Fargo Reflect® Card

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 May 8, 2023

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.

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