Best for Balance Transfers

Wells Fargo Reflect® Card

Apply now
On Wells Fargo's secure site
Rewards rate


Intro offer
Annual fee
Regular APR
16.74% - 28.74% Variable APR
Recommended credit
Good to Excellent (670 - 850)

Best for cash rewards

Wells Fargo Active Cash® Card

Apply now
On Wells Fargo's secure site
Rewards rate
  • 2% Earn unlimited 2% cash rewards on purchases
Intro offer
$200 cash rewards 
Annual fee
Regular APR
18.74%, 23.74%, or 28.74% Variable APR
Recommended credit
Good to Excellent (670 - 850)

The information about the® Rewards Visa® Credit Card has been collected independently by The card details have not been reviewed or approved by the card issuer.

Compare Bankrate’s top 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 4.3 / 5
(Read full card review) Rewards Visa® Credit Card Occasional hotel guests N/A
(Read full card review)

A closer look at Wells Fargo’s top credit cards

Wells Fargo Reflect Card: Best for balance transfers

  • What we love about the Wells Fargo Reflect Card: Its lengthy zero-interest introductory period on balance transfers. This card has one of the longest 0 percent intro APR on purchases and qualifying balances transfers from account opening on the market (0 percent for up to 21 months, then variable 16.74 percent to 28.74 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 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.
Jump back to offer details.

Wells Fargo Active Cash Card: Best for cash rewards

  • What we love about the Wells Fargo Active Cash Card: The Active Cash Card is a simple yet valuable rewards credit card. 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.
Jump back to offer details. Rewards Visa Credit Card: Best for occasional hotel guests

  • What we love about the Rewards Visa Credit Card: You don’t have to 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.
  • Who this card is good for: Travel search engine fans who plan to book rooms through one site like
  • Alternatives: Frequent travelers, brand loyalists or big spenders can reap more benefits associated with premium travel or hotel credit cards such as the Chase Sapphire Preferred® Card or the Hilton Honors American Express Card.

Read our 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, 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.

Pros and cons of Wells Fargo credit cards


  • 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.

How Wells Fargo credit card rewards work

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:

  • 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 against damage and theft (after $25 deductible) when using an eligible 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 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
  • 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 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.

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:

Who should skip a Wells Fargo credit card?

The Well Fargo card portfolio might not be ideal for the following consumers:

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:


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.

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 Wells Fargo credit cards

about the author
Courtney Mihocik is an editor at Bankrate Credit Cards and specializing in credit card news and personal finance advice. Previously, she led insurance content at and worked as the loans editor at The Simple Dollar.
about the editor
Mariah Ackary is a personal finance editor who joined the Bankrate team in 2019, excited by the opportunity to help people make good financial decisions. Send your questions to

* 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.