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Wells Fargo credit cards: Which one is best for you?

This long-standing provider offers several great rewards card options.

Compare Wells Fargo credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Wells Fargo Propel American Express® Card
3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases
0% intro for the first 12 months (then 14.49% to 24.99% variable)
$0
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.
Wells Fargo Cash Wise Visa® Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 14.49% to 24.99% variable)
$0
$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Wells Fargo Rewards® Card
5x points on gas, groceries, and drugstores for the first 6 months on up to $12,500, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 12.49% to 25.49% variable)
$0
Earn 5x points on gas, grocery, and drugstore purchases for the first 6 months on up to $12,500 and 1x points on all other purchases.
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Compare up to 4 providers

While it doesn’t have as many credit cards as its big-bank rivals Chase or Bank of America, Wells Fargo offers a strong stable of products, including a particularly strong travel card in the Wells Fargo Propel. Use our table to compare your Wells Fargo credit card options and get a sense of which one is for you.

The best Wells Fargo credit cards offer the highest value for the lowest cost, whether that value comes in the form of intro APR length or cash back. When rating Wells Fargo credit cards, we compared several card factors, including reward categories, earning rates, intro APR length, annual fees and more. The cards that offered the most value for the card’s annual fee or strongly fulfilled a niche were chosen for our list. Wells Fargo didn’t enact major changes to its lineup through 2020, though the Propel continues to impress in 2021.

Best for intro APR
Wells Fargo Platinum Card

Wells Fargo Platinum Card logo
Finder Rating: 4.5 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
This is a straightforward card, focused largely on its stellar intro APR on purchases and balance transfers.
  • Annual fee: None.
  • Intro APR: 0% on purchases and balance transfers for 18 months following your account opening. After that, your purchase and balance transfer APR reverts to 15.49% to 24.99% variable. This stellar intro APR is one of the best you'll find.
  • No signup bonus. There's no signup bonus to earn with this card.
  • Foreign transaction fees. You'll pay 3% fee for each transaction you make outside of the US or online with foreign merchants.
Annual Fee $0
Purchase APR 0% intro for the first 18 months (then 15.49% to 24.99% variable)
Balance transfer APR 0% intro for the first 18 months (then 15.49% to 24.99% variable)
Welcome offer N/A
Estimated welcome offer value
Rewards N/A

Best for cash back
Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® Card logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (670-739)
Read review
670
Min. credit score
$0
Annual fee
Up to 1.5%
Cash back
$150
Welcome offer
The Wells Fargo Cash Wise Visa® Card is a solid no-annual-fee offering with a good flat cashback rate on everyday purchases. It also comes with a decent intro APR.
  • Annual fee: None.
  • Intro APR: 0% for 15 months on purchases and balance transfers following your account opening. After that, your purchase and balance transfer APR is 14.49% to 24.99% variable. This is a solid intro APR.
  • Rewards: Cash back on everyday purchases. Earn 1.5% cash back on everyday purchases. For the first 12 months, earn 1.8% cash back on purchases you make with a qualifying mobile wallet. After that, you'll earn the standard 1.5% cashback rate.
  • Foreign transaction fees. Every transaction made abroad or online with foreign merchants will cost you 3% of the amount.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 14.49% to 24.99% variable)
Balance transfer APR 0% intro for the first 15 months (then 14.49% to 24.99% variable)
Welcome offer $150 after spending $500 in the first 3 months
Estimated welcome offer value
Rewards 1.5% cash back on all purchases

Best for travel
Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3x
Points
20,000
Points welcome offer
This is an impressive travel card that gives even the top-notch Wells Fargo Propel American Express® Card credit card a run for its money. Compared to its rival, the Wells Fargo Propel American Express® Card offers stronger reward earnings — and it comes with no annual fee and an intro APR that Chase's product can't match.
  • Annual fee: None.
  • Signup bonus: 20,000 bonus rewards points. To earn them, spend $1,000 in purchases in the first 3 months of card membership. These points are worth $300 toward cash redemption.
  • Intro APR: 0% for 12 months following your account opening on purchases and balance transfers. After that, your purchase and balance transfer APR is 14.49% to 24.99% variable.
  • Rewards: A great mix of accelerated cashback categories. Earn 3x points on gas, dining, eligible travel and select streaming services. Earn 1x points on all other purchases.
  • Limited eligibility for bonus offers and intro periods. If you opened a Wells Fargo credit card in the last 15 months from the date of your application and you received bonus offers, an intro APR or fees, even if you've since closed the account, you may not be eligible for this card's offers.
Annual Fee $0
Purchase APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Balance transfer APR 0% intro for the first 12 months (then 14.49% to 24.99% variable)
Welcome offer 20,000 points after spending $1,000 in the first 3 months
Estimated welcome offer value $200 based on Finder's valuation
Rewards 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases

Best for everyday purchases
Wells Fargo Visa Signature® Card

Wells Fargo Visa Signature® Card logo
Finder Rating: 3.9 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 5x
Points

Welcome offer
The Wells Fargo Visa Signature® Card offers a great intro APR on purchases and balance transfers. And for six months, you'll earn stellar rewards on everyday purchases.
  • Annual fee: None.
  • Intro APR: 0% for 15 months following your account opening on purchases and balance transfers. After that, your purchase and balance transfer APR will be 12.49% to 25.49% variable.
  • Rewards: More points on everyday purchases. For the first six months of card membership, earn 5x points on up to $12,500 spent on gas, grocery and drugstore purchases. After that and on all other purchases you'll earn 1x points.
  • Points are worth more for airfare. If you redeem points for airfare, they're worth 50% more.
  • Foreign transaction fees. There's a 3% fee for every transaction you make abroad or online with foreign merchants.
Annual Fee $0
Purchase APR 0% intro for the first 15 months (then 12.49% to 25.49% variable)
Balance transfer APR 0% intro for the first 15 months (then 12.49% to 25.49% variable)
Welcome offer 5x points up to $12,500 on gas, groceries, and drugstores for the first 6 months, then 1x points after that and on all other purchases
Estimated welcome offer value
Rewards 5x points up to $12,500 on gas, groceries, and drugstores for the first 6 months, then 1x points after that and on all other purchases

Best for students
Wells Fargo Cash Back College℠ Card

Wells Fargo Cash Back College℠ Card logo
Finder Rating: 3.8 / 5

★★★★★

Credit recommended (620-850)
Read review
620
Min. credit score
$0
Annual fee
Up to 3%
Cash back
n/a
Welcome offer
The Wells Fargo Cash Back College℠ Card is the only student card in the Wells Fargo lineup, but offers a strong combination of rewards, intro APR and travel perks.
  • Annual fee: None.
  • Intro APR: 0% intro APR on purchases and balance transfers for the first 6 months. After that, your purchase and balance transfer APR will be 11.15% to 21.15%} variable.
  • Cash back: For the first six months of card membership, earn 3% cash back on up to $2,500 spent on gas, grocery and drugstore purchases. After that and on all other purchases you'll earn 1% back.
  • Foreign transaction fees. Every transaction made abroad or online with foreign merchants will cost you 3% of the amount.
Annual Fee $0
Purchase APR 0% intro for the first 6 months (then 11.15% to 21.15% variable)
Balance transfer APR 0% intro for the first 6 months (then 11.15% to 21.15% variable)
Welcome offer N/A
Estimated welcome offer value
Rewards 3% back on gas and groceries for the first 6 months, then 1% after that and on everything else

How do I apply for a Wells Fargo card?

To apply for a Wells Fargo credit card, simply do the following:

  1. Visit the Wells Fargo website.
  2. At the top menu bar, hover over Personal.
  3. From the drop-down menu, hover over Banking and credit cards and click on Credit cards from the new drop-down menu.
  4. Click on the type of credit cards you want to view.
  5. Click the Apply now button on the card you want.
  6. Fill out your personal information and click Continue to complete your application.

Unfortunately, Wells Fargo doesn’t offer prequalification at this time.

Application restrictions

  • You must be 18 or older.
How many Wells Fargo credit cards can I have?

Wells Fargo doesn’t restrict the number of credit cards you can open with them. However, you can only earn a signup bonus on one of its cards every 15 months.

Information you’ll need

To complete the application, you’ll need to provide information that includes:

  • Your name and residential address.
  • Your Social Security number and date of birth.
  • Your email address and phone number.
  • Financial information like your annual income and income source.

Can you prequalify for a Wells Fargo credit card?

How to choose the best Wells Fargo credit card

There are plenty of Wells Fargo credit cards to choose from. To pick the one that’s best for you, ask yourself these questions:

  • Do you want a travel card? The Wells Fargo Propel American Express® Card is an excellent pick and among the best no-annual-fee options on the market.
  • Do you want a long intro APR? The Wells Fargo Platinum Card offers one of the longest intro APRs for purchases and balance transfers.
  • Do you want simple cash back? Look into the Wells Fargo Cash Wise Visa® Card, which offers 1.5% cash back on all purchases.
  • Are you a student? You might qualify for the Wells Fargo Cash Back College℠ Card.
  • Do you want a spending-based signup bonus? The Wells Fargo Visa Signature® Card offers accelerated rewards in specific categories for the first several months. Watch out for the normal rewards rate, however, which isn’t impressive.

Types of Wells Fargo cards

Though Wells Fargo only offers a handful of credit cards, they’re diverse enough to cover a range of needs. Here’s the type of cards offered.

Are there Wells Fargo credit cards with no annual fee?

Yes, you have six Wells Fargo credit cards with no annual fee to choose from. Your options include:

Wells Fargo no annual fee cards
  • Wells Fargo Platinum Card
  • Wells Fargo Cash Wise Visa® Card
  • Wells Fargo Propel American Express® Card
  • Wells Fargo Visa Signature® Card
  • Wells Fargo Rewards® Card
  • Wells Fargo Cash Back College℠ Card

Standout benefits of a Wells Fargo card

  • No annual fee. Almost all Wells Fargo cards come with no annual fee, which is a great value. The exception is the Wells Fargo Secured Credit Card, which has a $25 annual fee.
  • Cash redemption. Wells Fargo lets you redeem your cash back for literal cash at ATMs. Other providers give you cash back in the form of statement credits.
  • Cell phone protection. Many Wells Fargo credit cards come with cell phone protection, which is a relatively rare perk for other providers.

Wells Fargo rewards program

For its rewards cards, Wells Fargo offers either cash back or points. Cash back is redeemed by:

  • Cash withdrawal through your Wells Fargo debit or ATM card.
  • Direct deposit into your Wells Fargo checking or savings account.
  • Applying it as credit to your eligible Wells Fargo mortgage principal balance.

If your card gives points, you can redeem them for a variety of rewards that may include:

  • Travel
  • Cash rewards
  • Gift cards
  • Digital downloads
  • Merchandise
  • Online auctions

How can I redeem rewards?

To redeem rewards, log on to your credit card account on the Wells Fargo site. You may also redeem cash rewards from a Wells Fargo ATM.

How much are rewards worth?

Wells Fargo points are usually worth a 1 cent apiece, which is the industry standard. You’ll typically get this rate even for gift cards, which other providers sometimes offer at lower rates.

Full list of Wells Fargo credit cards

Wells Fargo credit cards alternatives

Wells Fargo offers many easy-to-understand cards with no annual fees, and many of its cards even go toe-to-toe with products from other major providers. With that said, it doesn’t offer the same breadth of card variety as a few other providers. If you’re looking for more robust reward programs or more diverse travel perks, Chase, American Express or Capital One are all great alternatives.

If you’re uncertain whether a Wells Fargo product is right for you, check out leading credit card providers to compare more options.

Frequently asked questions

How does Wells Fargo keep my credit card information secure?
Wells Fargo offers all of the standard security measures provided by major credit card companies, including EMV chips, fraud alerts, and SSL website protection.

Does Wells Fargo offer premium travel cards?
No. While its no-annual-fee travel card is an excellent pick, you’ll need to look elsewhere for travel cards with premium features.

Do all Wells Fargo cards have signup bonuses?
Most, but not all, do. Keep in mind some offer non-traditional signup bonuses, such as a higher rewards rate for a period of time.

Read more on this topic

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2 Responses

    Default Gravatar
    illaSeptember 23, 2018

    what I need to do to get priority pass form wells fargo

      Avatarfinder Customer Care
      nikkiangcoSeptember 24, 2018Staff

      Hi Illa!

      Thanks for your message and for contacting finder.

      Wells Fargo is not directly affiliated with Priority Pass. Priority Pass is a membership program that offers access to some of the top airport lounge networks around the world. Depending on your membership level and lounge, this access can be completely free or require a small fee.

      To gain access to Priority Pass lounges, you can either purchase a membership or get access through Priority Pass credit cards.

      Hope this helps! Feel free to message us should you have further questions.

      Regards,
      Nikki

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