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More than just a bank, Wells Fargo provides several reasons to choose one of its credit cards for cash rewards or balance transfers. While its lineup of consumer credit cards isn’t as extensive as other issuers’ selections, you may be able to find the best Wells Fargo credit card that meets your financial needs.
Intro offer
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Intro offer
Annual fee
Regular APR
Recommended credit
The information about the Hotels.com® Rewards Visa® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Here’s a look at the best Wells Fargo credit cards for 2022, according to our experts:
| Card name | Best for | Bankrate score |
|---|---|---|
| Wells Fargo Reflect Card | Balance transfers | 4.2 / 5 (Read full card review) |
| Wells Fargo Active Cash Card | Cash rewards | 4.3 / 5 (Read full card review) |
| Hotels.com Rewards Visa® Credit Card | Occasional hotel guests | N/A (Read full card review) |
Read our Wells Fargo Reflect Card review.
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Read our Wells Fargo Active Cash Card review.
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Read our Hotels.com Rewards Visa Credit Card review.
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Founded in 1852, Wells Fargo is a multinational financial services company headquartered in San Francisco, California. In addition to traditional banking services like checking and savings accounts, it offers loans, business credit cards, personal loans, business loans, consumer credit cards and more.
However, while it is a giant in the finance industry, it only advertises three consumer credit cards, including one of the best rewards cards, and three business credit cards available on its website. This lineup isn’t as impressive as other issuers, but it does mean that Wells Fargo loyalists have straightforward choices and less option paralysis for opening a new credit card.
Dominant presence: Because Wells Fargo has 5,437 branches and 13,000 ATMs, you’ll be able to redeem cash rewards with the Active Cash card (in increments of $20) in a variety of places.
Cellphone protection: Wells Fargo credit cards offer up to $600 protection on your cellphone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your eligible Wells Fargo credit card.
Fewer card options: Wells Fargo offers very few credit cards currently. If you’re interested in comparing a selection of offers, you may be better off with a different issuer.
Not ideal for travelers: The GoFar Rewards program does allow you to redeem your rewards for travel, but Wells Fargo’s credit card portfolio is more geared toward cash back.
Of Wells Fargo’s three consumer credit cards, only the Active Cash card seems to earn rewards in the Wells Fargo Rewards® program. However, you can redeem the cash rewards earned with this card in four different ways:
While the flexible redemption options are nice, it’s hard to compare Wells Fargo’s rewards program to other high-caliber programs like American Express’s or Chase’s programs. Wells Fargo credit cards offer no points system to speak of, so you can’t use them for travel like you can with other issuer rewards programs.
You can reach 24/7 customer service by phone at 1-800-642-4720. Calling this number is also the place to start if you want to increase your credit limit with Wells Fargo.
One of the best Wells Fargo credit cards, the Active Cash, includes a notable variety of benefits offered both by Wells Fargo itself and by Visa as a Visa Signature card. With the Active Cash, cardholders enjoy the following benefits:
Unfortunately, the other two Wells Fargo consumer credit cards do not have Visa Signature benefits attached, but still come with their own features. For example, the Wells Fargo Reflect card offers the following benefits to cardholders when they open an account:
With the Hotels.com Rewards Visa card, cardholders have access to:
The Active Cash and Reflect cards are the two best Wells Fargo credit cards that stand up in their respective categories — cash rewards and balance transfer. In these two categories, the cards lead the way.
The Active Cash offers unlimited 2 percent cash rewards back on purchases, toppling the Citi® Double Cash as the best 2 percent flat-rate card (1 percent when you make the purchase and 1 percent when you pay the balance). Additionally, the Wells Fargo Reflect’s potential up to 21-month intro APR from account opening on purchases and qualifying balance transfers can out-perform Citi's two 21-month balance transfer cards if you make on-time payments during the promotional period.
However, if you’re looking for miles and points to maximize your rewards, Wells Fargo falls woefully short with its program compared to Chase Ultimate Rewards® and American Express Membership Rewards.
Someone who fits into one of the following consumer types might benefit from one of the best Wells Fargo credit cards:
The Well Fargo card portfolio might not be ideal for the following consumers:
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