Best Wells Fargo credit cards for March 2023

Wells Fargo Active Cash Card: Best for cash rewards

• What we love about the Wells Fargo Active Cash Card: Its simple yet valuable cash rewards. Flat-rate cards often offer 1.5 percent cash rewards, but Active Cash’s 2 percent offer is one of the highest unlimited cash rewards cards available.
• Who this card is good for: Simplicity lovers who want to earn a good rate of cash rewards on a variety of purchases.
• Alternatives: Though 2 percent cash rewards is a standout feature for the Active Cash Card, the Capital One SavorOne Cash Rewards Credit Card or the Discover it® Cash Back could offer more cash back earning opportunities for people who want to maximize their rewards earnings in key spending categories like dining or groceries.

Read our Wells Fargo Active Cash Card review.
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Wells Fargo Reflect Card: Best for balance transfers

• What we love about the Wells Fargo Reflect Card: Its lengthy introductory period on balance transfers. This card has one of the longest intro APR offers on purchases and qualifying balances transfers from account opening on the market. (0 percent for up to 21 months, then variable 17.74 percent to 29.74 percent APR by making on-time monthly minimum payments during the intro period.)
• Who this card is good for: Anyone currently carrying high-interest credit card debt and looking for an extra-lengthy promotional APR window on transferred balances; ditto for people planning a large purchase they’ll need some time to pay off.
• Alternatives: The card doesn’t tout traditional rewards, so it may not be a fit for people who want a card that holds value for the long haul. The Discover it® Balance Transfer Card and its cash back offer on quarterly rotating categories, for example, could prove more rewarding for savvy spenders.

Read our Wells Fargo Reflect Card review.
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Wells Fargo Autograph Card: Best for rewards category variety

• What we love about the Autograph: It has a fantastic variety of spending categories with which cardholders can earn points. While many travel cards only offer elevated rewards on travel, restaurant, or gas purchases, the Autograph includes those purchases and many more.
• Who this card is good for: People whose spending casts a wide net and want a card that captures most of their everyday categories.
• Alternatives: The Capital One SavorOne Cash Rewards Credit Card also earns similar rewards rates in some of the Autograph’s categories for no annual fee. However, the SavorOne shines with its grocery category, which the Autograph notably lacks.

Read our full Wells Fargo Autograph Card review.
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Hotels.com Rewards Visa Credit Card: Best for occasional hotel guests

• What we love about the Hotels.com Rewards Visa Credit Card: You don’t have to pay an annual fee for this hotel credit card. It 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.
• Who this card is good for: Travelers without loyalty to one hotel chain and who often book rooms through travel search engine sites like Hotels.com.
• Alternatives: Frequent travelers, brand loyalists or big spenders can reap more benefits associated with premium travel or hotel credit cards like the Chase Sapphire Preferred® Card or the Hilton Honors American Express Card.

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.

While Wells Fargo doesn’t have a large portfolio of consumer cards, the ones they do offer are competitive. 

Cash rewards credit card 

For consumers who want the chance to earn cash rewards on all of their purchases, the Wells Fargo Active Cash is the best option to get the job done. This card offers one of the highest flat cash rewards rates available and you’ll be able to earn on all kinds of purchases while avoiding the hassle of tracking bonus categories. 

Travel rewards credit card 

One of the more recent additions to the Wells Fargo card portfolio is the Wells Fargo Autograph℠ Card. You’ll earn highly on travel-related categories like gas and transit, along with a few other niche categories like phone plans. While your earning categories are more expansive, your redemption options are not. You can earn points on qualifying travel purchases, but you can’t redeem those points for travel, and Wells Fargo’s lack of travel partners limits this card even more. 

Balance transfer credit card 

The Wells Fargo Reflect is the issuer’s flagship balance transfer card, offering one of the longest intro APR offers on the market. An extra plus is that this intro APR offer also extends to purchases, making the card a well-rounded debt management tool.

Hotel rewards credit card

Wells Fargo’s hotel rewards credit card is unique, especially given that it has no ties to one hotel chain. If you’re not a hotel brand loyalist, this card lets you earn on purchases you make through a travel search engine instead. 

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:

Of Wells Fargo’s four consumer credit cards, only the Active Cash and Autograph cards seem to earn rewards in the Wells Fargo Rewards® program. However, you can redeem the cash rewards you earn with these cards 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 offers a bare-bones points system with the Autograph card, but you can’t redeem the points for travel like you can with other issuer rewards programs.

One of the best Wells Fargo credit cards, the Active Cash, includes a notable variety of benefits that Wells Fargo and Visa offer. With the Active Cash, cardholders enjoy benefits like cellphone protection when using an eligible card to pay your phone bill (terms apply) and luxury hotel collection benefits, thanks to Visa Signature. 

The Wells Fargo Autograph also cashes in on cellphone protection and Visa Signature benefits. This card even goes a step further to include travel and emergency assistance services, like emergency ticket replacement and lost luggage locator services among others. 

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 24/7 on-demand roadside assistance, locksmith and towing services and deals at select merchants through My Wells Fargo Deals. With the Hotels.com Rewards Visa card, cardholders have access to perks like trip cancellation and interruption reimbursement.

They can be. If you want one of the best balance transfer or cash rewards cards, then Wells Fargo is worth a look. If you hope to maximize your rewards with points and miles, Wells Fargo falls woefully short with its program compared to Chase Ultimate Rewards and American Express Membership Rewards. If you want a few more options, you may be better off searching through the card portfolio of another issuer with more variety.

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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.