This well-known bank offers cards with competitive APRs and a secured card for those building credit.
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.
Compare Wells Fargo credit cards
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
Wells Fargo Platinum Card
Enjoy a 0% intro APR for 18 months on purchases and balance transfers.
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.
Best for cash back: Wells Fargo Cash Wise Visa® Card
Wells Fargo Cash Wise Visa® Card
$200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months.
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.
Best for travel: Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® Card
Get 30,000 bonus points when you spend $3,000 in purchases in the first 3 months.
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.
Best for everyday purchases: Wells Fargo Visa Signature® Card
Wells Fargo Visa Signature® Card
5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases - enjoy 5 years to use the points you earn
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.
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:
- Cash rewards
- Gift cards
- Digital downloads
- 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.
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.
- Ongoing APR between 14% and 27% variable. You’ll find a wide APR range for Wells Fargo credit cards, from 14%, slightly lower than average. And the maximum 27% APR is almost as high as the typical 29.99% that some providers assess as a penalty APR.
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.
- 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.
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.
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 not sure whether a Wells Fargo product is right for you, check out other credit card providers to compare more options.
Frequently asked questions