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.

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 Platinum Card

Finder rating 4.5 / 5 ★★★★★

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 in the form of the Wells Fargo Platinum Card. At 18 months, this card holds one of the longest balance transfer periods available as of 2021, and best of all features no annual fee.

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.

What’s changed

Unfortunately, Wells Fargo has stopped accepting applications for the Wells Fargo Propel American Express® Card as of April 2021, so that card has been removed from our best list.

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 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, 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,
  7. and click Continue to complete your application.

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

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 Active Cash℠ Credit Card, which offers 2% 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 are the type of cards offered.

Are there Wells Fargo credit cards with no annual fee?

Yes, you have seven 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 Active Cash℠ Credit 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 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.

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 do, but not all. 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

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

    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