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

N/A

Intro bonus
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 bonus
$200 cash rewards 
Annual fee
$0
Regular APR
14.99%-24.99% (Variable)
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 for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card.
Intro bonus
Get 2 Reward Nights Worth $250 Total  
Annual fee
$0
Regular APR
14.99% to 22.99% (Variable)
Recommended credit
Good to Excellent (670 - 850)

The information about the Wells Fargo Platinum card, Wells Fargo Cash Wise Visa® card and Wells Fargo Propel American Express® card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer. The Wells Fargo Platinum card is no longer available.


Bankrate’s guide to Wells Fargo credit cards

As one of the top banking institutions in the United States, Wells Fargo offers a number of credit cards for a variety of uses. The Wells Fargo lineup includes cards for cash back, travel, balance transfers and more. Here’s a comprehensive look at the bank and its credit card options.


Top picks for Wells Fargo credit cards

Here’s a look at the best Wells Fargo credit cards for 2021, according to our experts:

Card Name Best For Bankrate Score
Wells Fargo Reflect℠ Card Intro APR 4.2 / 5
Wells Fargo Active Cash℠ Card Cash Rewards 3.7 / 5
Hotels.com® Rewards Visa® Credit Card Occasional hotel guests 3.0 / 5
Wells Fargo Platinum card Balance transfers 4.0 / 5
Wells Fargo Propel American Express® card (no longer available) Travel rewards 3.5 / 5

Best Wells Fargo credit cards of 2021

Wells Fargo Reflect℠ Card

Best for intro APR

  • 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% intro APR on purchases from account opening and qualified balances transfers (from account opening) on the market (0% for up to 21 months, then variable 12.99% to 24.99% 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 Wells Fargo Active Cash’s 2 percent offer gives you 33 percent more bang for your buck.
  • 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.” The Active Cash can work as a standalone, all-purpose card or a complement to a set of tiered bonus category cards.

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: Budget-conscious shoppers, infrequent travelers and travel search engine fans who are looking for a no annual fee card that helps them earn hotel stays.
  • 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 a viable alternative for earning hotel stays, given its lack of an annual fee.

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

Wells Fargo Platinum card

Best for balance transfers

  • This card is a good fit for: Those looking to delay interest payments on new purchases or balance transfers while avoiding an annual fee.
  • This card is not a great choice for: Someone who wants to earn rewards.
  • What makes this card unique? An introductory 0% APR period of 18 months from account opening for purchases and qualifying balance transfers is competitive (16.49%-24.49% variable APR thereafter) — Many standard zero-interest cards offer introductory periods of just 12 or 15 months.
  • Is the Wells Fargo Platinum card worth it? This card is a great pick if your sole mission is to delay interest payments, especially because there’s no annual fee to worry about. However, its value beyond that introductory period is limited by the lack of rewards.

Read our Wells Fargo Platinum card review.

Wells Fargo Propel American Express® card

Best for travel rewards

  • This card is a good fit for: Someone who wants to earn travel rewards on everyday purchases while avoiding an annual fee.
  • This card is not a great choice for: Those seeking a lengthy intro APR offer for purchases and qualifying balance transfers. It’s nice that this card offers both an intro APR period and ongoing rewards, but the intro APR period isn’t the longest. If your primary goal is saving on interest, you may be better off with the Wells Fargo Platinum card.
  • What makes this card unique? Though it’s a travel credit card, you can redeem your points for cash back, too. So whether you use your points to travel or pay yourself back for a shopping spree, you’re always earning valuable rewards.
  • Is the Wells Fargo Propel American Express® card worth it? With several useful bonus categories, no spending caps and no annual fee, the Propel makes an easy case for its value. The fact that you can redeem your points for both travel and cash back makes this card a versatile, safe pick — even for those who only travel occasionally.

Read our Wells Fargo Propel American Express® card review.


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.

Wells Fargo’s services can be split into four main segments: consumer banking and lending, commercial banking, corporate and investment banking, and wealth and investment management.

With around 13,000 ATMs and 5,437 branches, Wells Fargo holds the spot as the third-largest bank in the United States. As of March 2021, Wells Fargo has nearly 33 million active digital users and serves one in three U.S. households.

Wells Fargo offers a number of credit cards in categories including cash back and balance transfers.

Credit card rewards program

Wells Fargo’s rewards program, Go Far® Rewards, allows you to earn points for purchases made with a qualifying Wells Fargo credit card.

You can redeem your Go Far Rewards points for cash back, travel, gift cards and merchandise purchased through the Earn More Mall®. You can also bid on items in the Earn More Mall using an online auction feature.

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.

How do Wells Fargo credit cards compare to other cards?

Wells Fargo offers credit cards for earning rewards, building credit and transferring a balance.

Let’s take a look at Wells Fargo cards versus some competitors:

Balance transfer

Wells Fargo Platinum card:

Annual fee: $0

Balance transfer: 0% intro APR for 18 months on qualifying balance transfers. 16.49%-24.49% variable APR thereafter. Introductory balance transfer fee is either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5.

Citi Rewards+® Card:

Annual fee: $0

Balance transfer: 0% intro for 15 months on balance transfers. After that, the variable APR will be 13.49% – 23.49%, based on your creditworthiness. Intro balance transfer fee – either $5 or 3% of the amount of each transfer completed within the first 4 months of account opening, whichever is greater.

Balance transfer example

Say you owe $3,000 in credit card debt. With the Wells Fargo Platinum’s 18-month 0% introductory APR offer on qualifying balance transfers (16.49% – 24.49% variable APR thereafter), you’ll pay $166.67 a month without paying anything in interest. You’ll still owe a balance transfer fee of $90 for transfers made within your first 120 days, and if you wait longer than 120 days, you’ll owe $150.

For more information, read our guide on how to do a balance transfer with Wells Fargo.

Citi Rewards+® Card

If you instead transfer your $3,000 in debt to the Citi Rewards+, you’ll pay $200 a month for 15 months without paying anything in interest (After that, the variable APR will be 13.49% – 23.49%). The balance transfer fee would be $90 ($3,000 x .03).

The bottom line

With the same effective balance transfer fee, the most notable difference between these cards is the amount of time you’ll have to pay off your balance without accruing interest. The Wells Fargo Platinum gives you more time and thus smaller monthly payments.

However, the Wells Fargo Platinum has a higher ongoing APR range. If you may not be able to pay off your balance within the intro APR period, this is something you should consider.

Rewards

Wells Fargo Active Cash℠ CardCapital One Quicksilver Cash Rewards Credit Card

Feature Wells Fargo Active Cash℠ Card Capital One Quicksilver Cash Rewards Credit Card
Rewards structure

Unlimited 2% percent cash rewards on purchases

Unlimited 1.5 percent cash back on every purchase
Spending example

$1,000 * 12 months * 2 percent = $240

$1,000 * 12 months * 1.5 percent * $0.01 = $180
Annual fee $0 $0
Welcome bonus $200 cash rewards bonus when you spend $1,000 on purchases within three months of account opening $200 after you spend $500 on purchases within 3 months from account opening
First-year value $440 (including sign-up bonus) $380 (including sign-up bonus)
Second-year value $240 (when you spend $1,000 per month at 2 percent) $180

Spending example

Wells Fargo Active Cash℠ Card

Say you spend $1,000 a month for your first year. In doing so, you’ll earn $240 in cash rewards. When you include the $200 cash rewards bonus earned after spending $1,000 in your first three months, you’ll have a total of $440 in cash rewards in your first year of card ownership.

As for second-year value, you’ll earn $240 in cash rewards by spending $1,000 per month for the year.

Capital One Quicksilver Cash Rewards Credit Card

If you spend $1,000 a month with the Quicksilver, you’ll earn $180. When adding in the $200 cash back bonus (after you spend $500 within 3 months from account opening), you’ll earn $380 in cash back by the end of your first year. Your second-year value is equal to $180.

The bottom line

In general, the ongoing rewards rate of the Wells Fargo Active Cash will earn you 33% more rewards value than the Capital One Quicksilver.

Who should get a Wells Fargo credit card?

Wells Fargo offers a well-rounded selection of credit cards, with options to suit rewards seekers, students, credit builders and debt tacklers. If you like Wells Fargo, chances are there’s a credit card for you.

That said, Wells Fargo’s portfolio of credit cards is small and primarily geared toward cash back cards. If you’re looking for a travel credit card, you’ll have more options to compare with an issuer like American Express or Chase.

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

  • Large physical presence — Wells Fargo has 5,437 branches and 13,000 ATMs.
  • Unique benefits — Several Wells Fargo credit cards, including the Active Cash Card and the Platinum card, 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.
  • Additional offerings — In general, Wells Fargo credit cards offer perks like Zero Liability Protection on unauthorized transactions, Overdraft Protection and Fraud Monitoring. The bank also offers contactless credit cards to give its cardholders the convenience of a touch-free experience.

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.

What credit score do you need to get a Wells Fargo credit card?

In general, you’ll need a good to excellent credit score to get a Wells Fargo credit card.

  • Wells Fargo Platinum card – (670 – 850)
  • Wells Fargo Active Cash℠ Card – (670 – 850)

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.

about the author
Former Senior Editor Barry Bridges has been writing about credit cards, personal loans, mortgages and other personal finance products since 2017. Before joining Bankrate, he was an award-winning newspaper journalist in his native North Carolina.
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.