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BEST CREDIT CARDSBEST CREDIT CARDSWELLS FARGO CREDIT CARDS
BEST OF

Wells Fargo Credit Cards

Updated: Dec 12, 2024
NerdWallet
Written by
NerdWallet
NerdWallet
Written by
NerdWallet
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

NerdWallet's Wells Fargo Credit Cards

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Wells Fargo Credit Cards From Our Partners

Credit card
Best for
RatingAnnual feeIntro offerRewards rateLearn more
Wells Fargo Active Cash® Card ImageWells Fargo Active Cash® Card
More details
Best for Cash rewards
5.0

$0

$200

2%

Cashback
Wells Fargo Autograph℠ Card ImageWells Fargo Autograph℠ Card
More details
Best for Travel rewards + no annual fee
4.5

$0

20,000
points

1x-3x

Points
Wells Fargo Autograph Journey℠ Card ImageWells Fargo Autograph Journey℠ Card
More details
Best for Travel rewards
4.5

$95

60,000
points

1x-5x

Points
Wells Fargo Reflect® Card ImageWells Fargo Reflect® Card
More details
Best for Intro APR period
4.5

$0

N/A

N/A

Choice Privileges® Mastercard® ImageChoice Privileges® Mastercard®
More details
Best for Hotel rewards
4.1

$0

40,000
points

1x-5x

Points
Choice Privileges® Select Mastercard® ImageChoice Privileges® Select Mastercard®
More details
Best for Hotel rewards + perks
4.9

$95

60,000
points

1x-10x

Points
One Key™ Card ImageOne Key™ Card
More details
Best for Expedia, Hotels.com and Vrbo
3.8

$0

$300

1.5%-3%

Points
One Key+™ Card ImageOne Key+™ Card
More details
Best for Expedia, Hotels.com and Vrbo
4.3

$99

$400

2%-3%

Points
save money

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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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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Our pick for: Cash rewards

Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 12 months from account opening
Balance transfer intro APR
0% intro APR on Balance Transfers for 12 months from account opening on qualifying balance transfers
Regular APR
19.49%, 24.49%, or 29.49% Variable APR

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card card image
NerdWallet rating
5.0
Annual fee
$0
Rewards rate
2%
Cashback
Intro offer
$200
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 12 months from account opening
Balance transfer intro APR
0% intro APR on Balance Transfers for 12 months from account opening on qualifying balance transfers
Regular APR
19.49%, 24.49%, or 29.49% Variable APR

2%
Unlimited Cash rewards on purchases.

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 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 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% 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.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • View Rates & Fees

Pros

  • High rewards rate

  • No annual fee

  • Intro APR period

Cons

  • No bonus categories

Read full review

Our pick for: Travel rewards + no annual fee

Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
20,000
points
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 12 months from account opening
Regular APR
19.49%, 24.49%, or 29.49% Variable APR

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card card image
NerdWallet rating
4.5
Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
20,000
points
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 12 months from account opening
Regular APR
19.49%, 24.49%, or 29.49% Variable APR

3x
Unlimited Points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
1x
Unlimited Points on other purchases.

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 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. 19.49%, 24.49%, or 29.49% variable APR thereafter.
  • Up to $600 of cell phone protection against damage or theft. 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.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • View Rates & Fees

Pros

  • No annual fee

  • Bonus categories

  • No reward caps

  • Cell phone insurance

  • New cardholder bonus offer

Cons

  • No free checked bags

  • No free anniversary night

  • No luxury perks

  • Requires good/excellent credit

Read full review

Our pick for: Travel rewards

Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
60,000
points
Regular APR
20.49%, 25.49%, or 29.49% Variable APR
Recommended credit score

Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card card image
NerdWallet rating
4.5
Annual fee
$95
Rewards rate
1x-5x
Points
Intro offer
60,000
points
Regular APR
20.49%, 25.49%, or 29.49% Variable APR
Recommended credit score

5x
Unlimited Points on hotels.
4x
Unlimited Points on airlines.
3x
Unlimited Points on other travel and restaurants.
1x
Unlimited Points on other purchases.

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
  • Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
  • $95 annual fee.
  • Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
  • Earn a $50 annual statement credit with $50 minimum airline purchase.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • View Rates & Fees

Pros

  • Bonus categories

  • Annual airfare credit

  • No reward caps

  • Cell phone protection

  • New cardholder bonus offer

Cons

  • Has annual fee

  • No free checked bags

  • No free anniversary night

  • No luxury perks

  • Requires good/excellent credit

Read full review

Our pick for: Intro APR period

Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 21 months from account opening
Balance transfer intro APR
0% intro APR on Balance Transfers for 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 29.24% Variable APR

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card card image
NerdWallet rating
4.5
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
Purchase intro APR
0% intro APR on Purchases for 21 months from account opening
Balance transfer intro APR
0% intro APR on Balance Transfers for 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 29.24% Variable APR

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. 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.
  • View Rates & Fees

Pros

  • No annual fee

  • Intro APR period

Cons

  • No rewards

Read full review

Our pick for: Hotel rewards

Annual fee
$0
Rewards rate
1x-5x
Points
Intro offer
40,000
points
Regular APR
20.24%, 24.49%, or 29.49% Variable APR
Recommended credit score

Choice Privileges® Mastercard®

Choice Privileges® Mastercard® card image
NerdWallet rating
4.1
Annual fee
$0
Rewards rate
1x-5x
Points
Intro offer
40,000
points
Regular APR
20.24%, 24.49%, or 29.49% Variable APR
Recommended credit score

5x
Points on stays at participating Choice Hotels® properties.
3x
Points on purchases at gas stations
3x
Points on purchases at grocery stores.
3x
Points on purchases at home improvement stores.
3x
Points on phone plan services.
1x
Point on other purchases.

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additional fees may apply.
  • Earn 5X points on stays at participating Choice Hotels® properties.
  • Earn 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
  • $0 annual fee.
  • Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Receive 10 Elite night credits qualifying for at least Gold level status each calendar year.
  • No foreign transaction fee.
  • View Rates & Fees

Pros

  • No annual fee

  • Bonus categories

  • Cell phone insurance

  • No foreign transaction fees

Cons

  • Rewards have limited flexibility

  • No free anniversary night

  • High APR

Read full review

Our pick for: Hotel rewards + perks

Annual fee
$95
Rewards rate
1x-10x
Points
Intro offer
60,000
points
Regular APR
20.24%, 24.49%, or 29.49% Variable APR
Recommended credit score

Choice Privileges® Select Mastercard®

Choice Privileges® Select Mastercard® card image
NerdWallet rating
4.9
Annual fee
$95
Rewards rate
1x-10x
Points
Intro offer
60,000
points
Regular APR
20.24%, 24.49%, or 29.49% Variable APR
Recommended credit score

10x
Points on stays at participating Choice Hotels® properties.
5x
Points on purchases at gas stations.
5x
Points on purchases at grocery stores.
5x
Points on purchases at home improvement stores.
5x
Points on phone plan services.
1x
Point on other purchases.

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels® properties. Additional fees may apply.
  • Earn 10X points on stays at participating Choice Hotels® properties.
  • Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
  • $95 annual fee.
  • Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
  • No foreign transaction fee.
  • View Rates & Fees

Pros

  • New cardholder bonus offer

  • Bonus categories

  • Travel benefits and credits

Cons

  • Has annual fee

  • Rewards have limited flexibility

Read full review

Our pick for: Expedia, Hotels.com and Vrbo

Annual fee
$0
Rewards rate
1.5%-3%
Points
Intro offer
$300
Regular APR
19.49%, 24.49%, or 29.49% Variable APR
Recommended credit score

One Key™ Card

One Key™ Card card image
NerdWallet rating
3.8
Annual fee
$0
Rewards rate
1.5%-3%
Points
Intro offer
$300
Regular APR
19.49%, 24.49%, or 29.49% Variable APR
Recommended credit score

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
  • Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases.
  • $0 annual fee.
  • Get Automatic Silver tier in the One Key rewards program with savings of 15% or more with Silver Member Prices on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
  • No foreign transaction fees.
  • Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • View Rates & Fees

Pros

  • No annual fee

  • Bonus categories

  • Automatic status

  • New cardholder bonus offer

Cons

  • No luxury perks

  • Limited redemptions

  • Requires good/excellent credit

Read full review

Our pick for: Expedia, Hotels.com and Vrbo

Annual fee
$99
Rewards rate
2%-3%
Points
Intro offer
$400
Regular APR
19.49%, 24.49%, or 29.49% Variable APR
Recommended credit score

One Key+™ Card

One Key+™ Card card image
NerdWallet rating
4.3
Annual fee
$99
Rewards rate
2%-3%
Points
Intro offer
$400
Regular APR
19.49%, 24.49%, or 29.49% Variable APR
Recommended credit score

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
  • Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 2% in OneKeyCash on other purchases.
  • $99 annual fee.
  • Get Automatic Gold tier in the One Key rewards program with savings of 20% or more with Gold Member Prices on over 10,000 hotels worldwide. Unlock Platinum when you spend $30,000 per calendar year.
  • Get $100 in OneKeyCash each year upon your cardholder anniversary.
  • Receive one statement credit up to $120 for Global Entry® or TSA PreCheck®
  • No foreign transaction fees.
  • View Rates & Fees

Pros

  • Bonus categories

  • Automatic status

  • New cardholder bonus offer

  • Travel credits

Cons

  • Has annual fee

  • Limited redemptions

  • Requires good/excellent credit

Read full review

Last updated on December 12, 2024

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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