BEST OF
Best Wells Fargo Credit Cards of March 2021
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.
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
Our pick for
Travel
Annual Fee
$0
Regular APR
14.49% - 24.99% Variable APR
Intro APR
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Rec Credit Score
690-850
Good - Excellent
- 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 popular streaming services
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 1X points on other purchases
- Select "Apply Now" to learn more about the product features, terms and conditions
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.
Why We Like It
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.
Our pick for
Cash back
Annual Fee
$0
Regular APR
14.49% - 24.99% Variable APR
Intro APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Rec Credit Score
690-850
Good - Excellent
- Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
- $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 Cash Wise Visa® card
- No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
- Select "Apply Now" to learn more about the product features, terms and conditions
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 on purchases in the first 3 months. And the card offers an introductory APR period, too: 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR.
Cons
You can't redeem your cash back until you've earned a minimum amount.
Why We Like It
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.
Our pick for
0% APR or balance transfers
Annual Fee
$0
Regular APR
16.49% - 24.49% Variable APR
Intro APR
0% intro APR for 18 months from account opening on purchases and qualifying balance transfers
Rec Credit Score
690-850
Good - Excellent
- 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
- $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
Pros
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
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.
Why We Like It
The Wells Fargo Platinum card gives you a nice, long runway if you need time to pay off debt or finance a large purchase.
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: Travel
The Wells Fargo Propel American Express® 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: Cash back
The Wells Fargo Cash Wise Visa® card provides solid, flat-rate cash-back rewards for no annual fee. New cardholders can snag a nice bonus, there's an added incentive for digital wallet purchases, and the card offers cell phone protection. There's even an option to withdraw your rewards at Wells Fargo ATMs. Read our review.
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 December 21, 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.
