Best for balance transfers

Wells Fargo Platinum card

Apply Now On Wells Fargo's secure website
Top Features
  • Rewards Rate: N/A
  • Welcome Offer: N/A
  • Regular APR: 16.49%-24.49% (Variable)
  • Recommended Credit Score: Good to Excellent  (670 - 850)

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The information about the Wells Fargo Cash Wise Visa® card and Wells Fargo Propel American Express® card has been collected independently by The card details have not been reviewed or approved by the card issuer.

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 Review score Best for
Wells Fargo Platinum card 4.6/5 Balance transfers
Wells Fargo Propel American Express® card (not currently available) 4.5/5 Travel rewards

Best Wells Fargo credit cards of 2021

Wells Fargo Platinum card

What we love: The card offers 18 months of zero percent intro APR on qualifying balance transfers and on purchases (16.49% – 24.49% variable thereafter) — the longest introductory period of all Wells Fargo cards.

What we wish were different: Despite its usefulness for balance transfers, the card does not earn rewards. The introductory balance transfer fee jumps from 3 percent to up to 5 percent (with a minimum of $5) after 120 days.

Bottom line:  The Platinum card is a great option if you’re looking to transfer a balance or pay off a big purchase with a temporary zero-interest window. If you’re set on earning rewards for everyday spending, however, look elsewhere.

Read our full review and find out how to apply.

Wells Fargo Propel American Express® card (not currently available)

What we love: The Propel card earns rewards in a wide variety of categories, with 3X points on:

  • Travel including flights, hotels, homestays and car rentals
  • Eating out and ordering in
  • Gas stations, rideshares and transit
  • Popular streaming services

The card also earns 1X points on other purchases and doesn’t charge an annual fee.

What we wish were different: The current sign-up bonus (20,000 bonus points for making $1,000 in purchases in the first 3 months) is a step down from previous offerings. Also, you can’t transfer your Go Far® Rewards points to airline or hotel loyalty programs.

Bottom line: The Wells Fargo Propel card earns generous rewards in more spending categories than some similar cards, making it easier to build up your points total without devising a complicated strategy.

Read our full review and find out how to apply.

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.

The issuer offers banking options for personal savings and checking accounts, small businesses and commercial operations, as well as services for investment banking, securities and markets, treasury management, commercial financing, asset management and more.

With more than 13,000 ATMs and 6,900 commercial locations, Wells Fargo holds the spot as the fourth-largest bank in the United States. As of December 2020, Wells Fargo has over 32 million active digital users.

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

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.

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.

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.

Although there’s not a large selection of cards to choose from, the issuer does cover its bases in regard to types of cards offered, from secured cards to student cards to rewards cards, and at a variety of credit scores.

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

Wells Fargo Propel American Express® card (not currently available) vs. Capital One VentureOne Rewards Credit Card

Card Propel card (not currently available)  VentureOne 
Rewards structure

3X points on dining, travel, gas stations and popular streaming services

1X points on all other purchases.

1.25x miles per dollar on every purchase


Spending example

$1,000 * 12 months * 3X points * $0.01 = $360

$200 * 12 months * 1X points * $0.01 = $24


$1,200 * 12 months * 1.25X miles * $0.01 = $180

Annual fee $0 $0
Welcome bonus 20,000 bonus points when you spend $1,000 in purchases in the first 3 months (a $200 cash redemption value) 20,000 miles once you spend $500 on purchases within 3 months from account opening (equal to $200 in travel)
First-year value $584 (including sign-up bonus)  $380 (including sign-up bonus)
Second-year value $384 $180

Spending example

Wells Fargo Propel American Express® card (not currently available)

Say you spend $1,000 a month in the 3X category and $200 a month in the 1X category with your Propel card. By the end of your first year, you’ll earn $384 worth of points. When you include the 20,000 bonus points you’ll earn for meeting the qualifying spend of when you spend $1,000 in purchases in the first 3 months, your year-one value hits $584. Your second-year value will equal $384.

Capital One VentureOne Rewards Credit Card

If you then spend $1,200 a month you’ll receive 1.25X miles per dollar, you’ll earn $180. When including the sign-up bonus, that’s $380 worth of miles earned in your first year. Your second-year value would sit at $180 (1,200/month spent in the 1.25X category).

The bottom line

Overall, you’re likely to earn more rewards with the Propel card.

Wells Fargo Platinum card vs. Chase Slate

Card Platinum card  Chase Slate
Annual fee $0 $0
Balance transfer intro period 0% introductory APR for 18 months on qualifying balance transfers 0% introductory APR on balance transfers for 15 months
Variable APR thereafter 16.49% – 24.49% variable APR 14.99% – 23.74% variable APR
Balance transfer fee Intro 3 percent balance transfer fee ($5 minimum) on sums transferred within your first 120 days of card ownership

After 120 days, you’ll be charged an up to 5 percent fee ($5 minimum)

No balance transfer fee for transfers made within the first 60 days of opening the account

After 60 days, you owe $5 or 5 percent of the amount being transferred, whichever is greater

Balance transfer example $3,000 / 18 months = $166.67 a month $3,000 / 15 months = $200 a month

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.

Chase Slate

If you instead transfer your $3,000 in debt to the Chase Slate, you’ll pay $200 a month for 15 months without paying anything in interest. There’s no fee for transfers made within your first 60 days, but if you wait longer than 60 days to transfer, you’ll owe an additional $150.

Should you choose the Chase Slate and fail to pay off your debt in 15 months (say, you do so in 18 instead), you’ll pay a minimum of $75 in interest and a maximum of $120.*

*Interest charges estimated using current APR range with Bankrate’s Credit Card Payoff Calculator.

The bottom line

The Chase Slate might have a shorter introductory period by 3 months compared to the Wells Fargo Platinum, but you’ll save more with the Slate due to its lack of a balance transfer fee for the first 60 days.

The information related to Chase Slate card has been collected by and has not been reviewed or provided by the issuer or provider of this product or service.

Wells Fargo Cash Wise Visa® card  vs. Capital One Quicksilver Cash Rewards Credit Card

Card Cash Wise Visa Quicksilver 
Rewards structure

Unlimited 1.5 percent cash rewards on purchases

1.8 percent cash rewards on qualifying digital wallet purchases (like Apple Pay® or Google Pay™) during the first 12 months from account opening

Unlimited 1.5 percent cash back on every purchase
Spending example

$900 * 12 months * 1.5 percent * $0.01 = $162

$100 * 12 months * 1.8 percent * $0.01 = $21.60

$1,000 * 12 months * 1.5 percent * $0.01 = $180
Annual fee $0 $0
Welcome bonus $150 cash rewards bonus when you spend $500 on purchases within three months of account opening $200 after you spend $500 on purchases within 3 months from account opening
First-year value $333.60 (including sign-up bonus) $380 (including sign-up bonus)
Second-year value $180 (when you spend $1,000 per month at 1.5 percent) $180

Spending example

Wells Fargo Cash Wise Visa® card

Say you spend $900 a month in the 1.5 percent category your first year. In doing so, you’ll earn $162 in cash rewards. If you spend an extra $100 a month using a qualifying mobile wallet, you’ll earn an additional $21.60. Finally, when you include the $150 cash rewards bonus earned after spending $500 in your first three months, you’ll have a total of $333.60 in cash rewards your first year of card ownership.

As for second-year value (in which the 20 percent bonus on mobile wallet transactions is no longer valid), you’ll earn $180 by spending $1,000 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

You’ll gain a little more in terms of first-year value with the Cash Wise Visa, but in the long run, you’ll earn the same amount in cash back whether you use the Quicksilver or Cash Wise Visa.

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

Wells Fargo offers several credit cards across a range of qualifying credit scores:

  • Wells Fargo Propel American Express® card – (670 – 850)
  • Wells Fargo Cash Wise Visa® card – (670 – 850)
  • Wells Fargo Platinum card – (670 – 850)
  • Wells Fargo Visa Signature® Card – (670 – 850)
  • Wells Fargo Rewards® Card – (670 – 850)
  • Wells Fargo Cash Back College℠ Card – (600 – 850)
  • Wells Fargo Secured Credit Card – (500 – 579)

If your credit score is less than good or excellent, the Wells Fargo Cash Back College Card for students or the Wells Fargo Secured Credit Card for building credit could be a viable option.

You may be eligible to upgrade to one of Wells Fargo’s unsecured cards after demonstrating responsible credit card us). For more information on how you might qualify, call Wells Fargo at 1-800-642-4720.

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.

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
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. Send your questions about credit cards (and fantasy baseball) to ...
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 ...

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