Compare Wells Fargo credit cards

This well-known bank offers cards with competitive APRs and a secured card for those building credit.

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Wells Fargo Bank

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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. If you’re looking for a card with solid cash back, an excellent intro APR or strong travel rewards, Wells Fargo might have exactly what you need.

Best Wells Fargo credit cards

Wells Fargo offers just a handful of cards, but most of them pack a punch. It’s generous with its intro APRs, and is a solid contender against the popular Bank of America® Cash Rewards credit card. Lastly, its American Express product easily hangs with the best travel cards on the market.

Best for intro APR: Wells Fargo Platinum Card

This is Wells Fargo’s answer to the excellent Citi Simplicity® Card. There’s not much to the card except for 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 17.24% to 26.74% variable. This stellar intro APR is one of the best you’ll find.

Best for cash back: Wells Fargo Cash Wise Visa® Card

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 15.74% to 27.74% 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.

Best for travel: Wells Fargo Propel American Express® Card

This is an impressive travel card that gives even the top-notch Chase Sapphire Preferred® 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: 30,000 bonus rewards points. To earn them, spend $3,000 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 15.74% to 27.74% variable — a solid intro APR.
  • 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.

Best for everyday purchases: Wells Fargo Visa Signature® Card

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 14.24% to 27.24% variable — a solid intro APR.
  • 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. Earn 1x points on all other purchases.
  • Points are worth more for airfare. If you redeem points for airfare, they’re worth 50% more.

How we chose our best cards

Cards that offered top-notch rewards in their markets got spots on our “best” list. We also looked for features that gave cards an edge on the competition. In Wells Fargo’s case, introductory APRs are a strong differentiator.

What’s changed in 2019

Wells Fargo’s travel card in particular continues to impress. As before, it offers strong travel rewards and a market-leading welcome offer for a no-annual-fee card.

How do I apply for a Wells Fargo card?

Visit the Wells Fargo website and click Apply now near the bottom of the card details. Before you apply, check that you meet the eligibility requirements and have the required information on hand.

Eligibility criteria
  • You must be 18 or older.

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?

Wells Fargo rewards program

For its reward 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.

Compare Wells Fargo credit cards

Name Product Filter values Rewards Purchase APR Annual fee
3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases
0% intro for the first 12 months (then 15.74% to 27.74% variable)
$0
Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 15 months (then 15.74% to 27.74% variable)
$0
$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
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 18.24% to 27.24% 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.
N/A
0% intro for the first 18 months (then 17.24% to 26.74% variable)
$0
Enjoy a 18 months intro APR period on purchases and balance transfers.
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
0% intro for the first 15 months (then 14.24% to 27.24% 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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Typical card features and 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.
  • Rewards. Most Wells Fargo products offer solid rewards, such as cash back and travel points.
  • Intro APR periods. Wells Fargo offers a variety of cards with intro APRs on purchases and balance transfers.
  • A variety of ongoing APRs. You’ll find a wide APR range for Wells Fargo credit cards, from slightly lower than average to a maximum APR that is almost as high as the typical 29.99% that some providers assess as a penalty APR.
  • Mobile app. You can download the bank’s mobile app to monitor your account, make payments and more.

How does Wells Fargo keep my credit card information secure?

Wells Fargo deploys advanced features to identify customers, such as Advanced Access for high-risk transactions, two-step verification and biometric authentication for the Wells Fargo app.

When you enter your personal information on the Wells Fargo website, it’s encrypted so it’s unreadable by prying eyes. Wells Fargo may block access to its site if your browser is outdated, as this poses a security risk. If your web session idles, you’ll automatically be logged off.

The bank also offers 24/7 fraud monitoring and $0 liability for unauthorized transactions.

Bottom line

Wells Fargo offers many easy-to-understand cards with no annual fees. Many of its cards even go toe to toe with products from other major providers.

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

Frequently asked questions

Images: WellsFargo.com

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2 Responses

  1. 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. You may directly visit the Priority Pass website and avail of the packages they offer. They have 3 pacakges that you may choose from depending on your needs. You may view this page to know more about Priority Pass.

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

      Regards,
      Nikki

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