Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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

Read card reviews, compare Wells Fargo credit cards, and see our editors' top picks.

Compare Wells Fargo credit cards

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. Use our table to compare your Wells Fargo credit card options and get a sense of which one is best for you.

1 - 3 of 13
Name Product Filter values Rewards Annual fee Purchase APR
Wells Fargo Cash Back College℠ Card
Finder Rating: 3.8 / 5: ★★★★★
Wells Fargo Cash Back College℠ Card
3% back on gas and groceries for the first 6 months, then 1% after that and on everything else
0% intro for the first 6 months (then 11.15% to 21.15% variable)
Earn 3% back on gas and groceries for the first 6 months. Then earn 1% on those purchases and on everything else.
Wells Fargo Cash Wise Visa® Card
Finder Rating: 4.6 / 5: ★★★★★
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)
$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Wells Fargo Platinum Card
Finder Rating: 4.5 / 5: ★★★★★
Wells Fargo Platinum Card
0% intro for the first 18 months (then 16.49% to 24.49% variable)
Enjoy a 18 months intro APR period on purchases and balance transfers.

Compare up to 4 providers

The best Wells Fargo credit cards

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.

Best for balance transfers

Wells Fargo Reflect Card

Though Wells Fargo has fewer credit cards than many of the competitors on the market, it surprisingly offers one of the stronger balance transfer cards, if not the strongest, in the form of the Wells Fargo Reflect Card. At 18 months for both balance transfers and purchases, this card holds one of the longest balance transfer periods available on the market, offering an unmatched ability to save interest.

Best for cash back

Wells Fargo Active Cash℠ Credit Card

The Wells Fargo Active Cash℠ Credit Card is a terrific flat rate cashback card in part because there are no strings attached for earning the card's 2% rate. It also comes with a solid signup bonus and 0% intro APR on purchases, which is a lot of potential value in such a simple card.

Best for earning rewards on rent payments

Bilt Mastercard

Wells Fargo teamed with Bilt to release the Bilt Mastercard, one of the rare cards on the market that can earn rewards on rent payments. You can also earn points on dining and travel with the card, making it a solid everyday card.

What’s changed

Wells Fargo has started a refresh on their card lineup, leading to the emergence of several new cards like the Wells Fargo Reflect Card and the Wells Fargo Active Cash℠ Credit Card. Both are strong picks for the respective categories and competitive with other providers, giving Wells Fargo a much needed boost in the credit cards space.

How do I apply for a Wells Fargo card?

To apply for a Wells Fargo credit card:

  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 choose Credit cards from the new drop-down menu.
  4. Select the type of credit cards you want to view.
  5. Hit the Apply now button on the card you want.
  6. Fill out your personal information, including your name and residential address, Social Security Number, date of birth, your email address and phone number, and financial information like your annual income and income source, and hit Continue to complete your application.

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

How to choose the best Wells Fargo credit card

Given there are only a few Wells Fargo credit cards available, the card you choose simply comes down to the type of feature you need: hotel rewards, cashback, or 0% intro APR.

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.
  • Cash redemption. In addition to statement credits, Wells Fargo lets you redeem your cash back for literal cash at ATMs.
  • 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 depending on your card, such as:

  • Travel
  • Cash rewards
  • Merchandise

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. The Bilt card does allow you to transfer points to travel partners, which may increase the value of your points.

Full list of Wells Fargo credit cards


Wells Fargo credit cards alternatives

Wells Fargo offers several fresh new products and many of its cards go toe-to-toe with products from other major providers. That said, it doesn’t offer the same 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.

More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

    2 Responses

    1. Default Gravatar
      illaSeptember 23, 2018

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

      • Default Gravatar
        nikkiangcoSeptember 24, 2018

        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.


    Go to site