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NerdWallet’s Best Wells Fargo Credit Cards

Credit Cards, Credit Cards for Bad Credit, Rewards Credit Cards
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Wells Fargo credit cards don’t come with the biggest rewards or the flashiest benefits. But if you already bank with Wells Fargo, they make it easy to track all your accounts on a single dashboard.

They also offer a few features that are hard to find elsewhere:

  • Cash rewards (literally). Wells Fargo is the only one of the 12 largest credit-card-issuing banks that lets you redeem rewards in $20 bills right at the ATM. To do this, use your Wells Fargo debit card at a Wells Fargo-owned ATM.
  • Loyalty bonuses. If you maintain a qualifying checking or savings account at Wells Fargo, some of its credit cards will give you an annual 10% bump on all nonbonus rewards earned.
  • Cell phone protection. You’ll receive up to $600 worth of coverage — after a $25 deductible — if your cellphone is damaged or stolen and you pay its bill with a Wells Fargo credit card. Wells Fargo is the only major issuer that offers this coverage, though many smaller banks and credit unions also feature it.

Here are our picks for the best Wells Fargo credit cards.

For everyday spending:
Wells Fargo Cash Wise Visa® Card

The Wells Fargo Cash Wise Visa® Card is the issuer’s newest and most rewarding credit card. It offers an unlimited 1.5% cash back on all purchases. These rewards never expire and the annual fee is $0.

The Wells Fargo Cash Wise Visa® Card offers a lower rewards rate than some competitors. But its decent introductory APR — 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 14.49% - 26.49% Variable APR — makes it a good choice among flat-rate cash-back cards available. It also gives users 1.8% cash back on Apple Pay and Android Pay purchases in the first year.

For gas and restaurants:
Wells Fargo Propel American Express® Card

The $0-annual-fee Wells Fargo Propel American Express® Card — not to be confused with the many other Propel cards the bank offers — is a good pick for commuters who bank with Wells Fargo. It has an introductory APR of 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 14.24% - 26.24% Variable APR. It also offers an unlimited 3 points per dollar spent on gas, 2 points per dollar spent on restaurants and 1 point per dollar spent on everything else. And you’ll get a 10% annual boost on your nonbonus rewards points if you have a qualifying checking or savings account with Wells Fargo. You can redeem points for gift cards, merchandise, travel booked directly through Wells Fargo, cash at the ATM, statement credit or digital rewards, such as e-book downloads or MP3s.

The biggest downside is that points earned on the card expire after five years, so make sure to redeem them in time.

Claire Tsosie is a staff writer at NerdWallet, a personal finance website. Email: claire@nerdwallet.com. Twitter: @ideclaire7.