Best for Balance Transfers

Apply now
On Wells Fargo's secure site
See Rates & Fees, Terms Apply
Rewards rate

N/A

Intro offer
N/A
Annual fee
$0
Regular APR
12.99%-24.99% Variable APR
Recommended credit
Good to Excellent (670 - 850)

Best for cash rewards

Apply now
On Wells Fargo's secure site
See Rates & Fees, Terms Apply
Rewards rate
  • 2% Earn unlimited 2% cash rewards on purchases
Intro offer
$200 cash rewards 
Annual fee
$0
Regular APR
14.99%-24.99% Variable APR
Recommended credit
Good to Excellent (670 - 850)

BEST FOR OCCASIONAL HOTEL GUESTS

Apply now
On Wells Fargo's secure site
See Rates & Fees, Terms Apply
Rewards rate
  • 1 Stamp Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com.
Intro offer
Get 2 Reward Nights Worth $250 Total  
Annual fee
$0
Regular APR
14.99% to 22.99% Variable APR
Recommended credit
Good to Excellent (670 - 850)

Top picks for Wells Fargo credit cards

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 3.8 / 5
(Read full card review)
Hotels.com Rewards Visa® Credit Card Occasional hotel guests N/A
(Read full card review)

Best Wells Fargo credit cards of 2022

Wells Fargo Reflect Card

Best for balance transfers

  • This card is a good fit for: Anyone currently carrying high-interest credit card debt looking for an extra-lengthy promotional APR window on transferred balances; ditto for people who are about to make a large purchase they’ll need some time to pay off.
  • This card is not a great choice for: The card doesn’t tout traditional rewards, so it’s not for people who want a card that holds value for the long haul.
  • What makes this card unique? If you qualify for the extension by making on-time monthly minimum payments, this card nets you one of the longest 0 percent intro APR on purchases from account opening and qualified balances transfers (from account opening) on the market (0 percent for up to 21 months, then variable 12.99 percent to 24.99 percent APR).
  • Is the Wells Fargo Reflect Card worth it? This card is particularly noteworthy if you’re on the hunt for a balance transfer credit card as its intro period is lengthy, whether or not you qualify for the extension. Be sure to transfer balances within the first 120 days of account opening, though, to qualify for the intro rate and 3% balance transfer fee (up to 5% of the transferred balance or $5, whichever is greater, after that).

Read our Wells Fargo Reflect Card review.
Jump back to offer details.

Wells Fargo Active Cash Card

Best for cash rewards

  • This card is a good fit for: Simplicity lovers who want to earn a good rate of cash rewards on purchases.
  • This card is not a great choice for: Someone who wants to maximize their rewards earnings in particular spending categories, like dining or groceries.
  • What makes this card unique? Flat-rate cards often offer 1.5 percent cash rewards, but the Active Cash’s 2 percent offer is one of the highest unlimited cash rewards cards available.
  • Is the Wells Fargo Active Cash Card worth it? If you’re looking for a simple yet valuable rewards card, the answer is a resounding yes.

Read our Wells Fargo Active Cash Card review.
Jump back to offer details.

Hotels.com Rewards Visa Credit Card

Best for occasional hotel guests

  • This card is a good fit for: Travel search engine fans who plan to book rooms through one site like Hotels.com.
  • This card is not a great choice for: Frequent travelers, brand loyalists or big spenders who can reap the more handsome benefits associated with premium travel or hotel credit cards.
  • What makes this card unique? You won’t pay an annual fee for this hotel credit card, which also offers some flexibility in where you can book given it’s associated with a travel search engine as opposed to a singular hotel chain.
  • Is the Hotels.com Rewards Visa Credit Card worth it? If you book with Hotels.com (even infrequently), the card is worth it since it doesn’t have an annual fee.

Read our Hotels.com Rewards Visa Credit Card review.
Jump back to offer details.


What is Wells Fargo and what does it offer?

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 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.

Wells Fargo credit card rewards

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 back earned with this card in four different ways:

  • For purchases, similar to statement credits
  • As a direct deposit into a qualifying Wells Fargo checking account, credit card account or mortgage
  • Cash at an ATM in increments of $20 with a Wells Fargo ATM or debit card
  • Gift cards in increments of $25

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.

How to contact Wells Fargo

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.

Wells Fargo credit card benefits

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:

  • Up to $600 cell phone protection (after $25 deductible) when using the card to pay your phone bill
  • Zero liability protection, an industry standard
  • Contactless payment options
  • Simple, centralized account management through Control Tower®
  • 24/7 concierge service, offered through Visa Signature benefits
  • Luxury Hotel Collection benefits, offered through Visa Signature

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:

  • Up to $600 cell phone protection (after $25 deductible) when using the card to pay your phone bill
  • 24/7 on-demand roadside assistance, locksmith and towing services
  • Deals at select merchants through My Wells Fargo Deals
  • Zero liability protection, an industry standard

With the Hotels.com Rewards Visa card, cardholders have access to:

  • Up to $600 cell phone protection (after $25 deductible) when using the card to pay your phone bill
  • No foreign currency conversion fee
  • Hotels.com Rewards Silver tier membership for the first 12 months
  • Trip cancellation and interruption reimbursement
  • Zero liability protection, an industry standard

How do Wells Fargo credit cards compare to other cards?

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 back on purchases, toppling the Citi® Double Cash as the best 2 percent flat-rate cash back 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 qualifing 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.

Who should get a Wells Fargo credit card?

Someone who fits into one of the following consumer types might benefit from one of the best Wells Fargo credit cards:

Bankrate Insight
Preapproval can give you an idea of which cards you may qualify for without impacting your credit score. Check you our guide to getting preapproved for a Wells Fargo card.

Pros and cons of Wells Fargo credit cards

Pros

  • Physical 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 cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your eligible Wells Fargo credit card.

Cons

  • Few credit cards to choose from — 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.
Bankrate Insight
In regards to Wells Fargo’s credit card strategy, President and CEO Charlie Scharf recently said that the company is “working on developing a significantly improved value proposition,” perhaps hinting at more card offerings to come.

How we chose our top-rated Wells Fargo credit cards

Bankrate's personal finance experts choose the best Wells Fargo credit cards according to our 5-star rating system. The list of criteria for rating credit cards includes:

Rewards

Whether the card offers cash back, travel points/miles or multi-purpose rewards for eligible purchases and the potential returns based on rewards rate (1 percent cash back per $1 spent, 1 mile per $1 spent, and so on).

Perks and benefits

Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools.

Annual fee

Whether the card charges an annual fee and if so, how much the card's overall value and benefits might offset the fee.

Introductory offers

Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card's overall value.

Variable APR

How the card's annual percentage rate (APR) compares with current averages as an indicator of cost and value.

Foreign transaction fee

Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card's overall value.

Learn more about Wells Fargo banking and credit cards


Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

Frequently Asked Questions

about the author
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.
about the editor
Mariah Ackary is a personal finance writer who specializes in credit card rewards and small business credit. Mariah is a lifelong writer, but she began writing about finance in 2018. She joined the Bankrate team in 2019, excited by the opportunity to directly help people make good financial decisions. Send your questions to mackary@bankrate.com ...

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.