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Compare Wells Fargo credit cards with no annual fee

Explore rewards, cashback and 0% intro APR options from this big-name bank.

Updated

Fact checked
Wells Fargo has excellent choices when it comes to their no-annual-fee credit cards. You can get a student credit card, card for travel or cards for everyday purchases. Plus, all cards come with a long intro APR period on balance transfers and purchases. However, if you’re looking for premium cards with an annual fee, you may want to check other providers.

Compare Wells Fargo credit cards with no annual fee

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Wells Fargo Platinum Card
$0
0% intro for the first 18 months (then 15.49% to 24.99% variable)
0% intro for the first 18 months (then 15.49% to 24.99% variable)
Enjoy a 18 months intro APR period on purchases and balance transfers.
Wells Fargo Rewards® Card
$0
0% intro for the first 15 months (then 16.49% to 25.49% variable)
0% intro for the first 15 months (then 16.49% to 25.49% variable)
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.
Wells Fargo Visa Signature® Card
$0
0% intro for the first 15 months (then 12.49% to 25.49% variable)
0% intro for the first 15 months (then 12.49% to 25.49% variable)
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.
Wells Fargo Cash Wise Visa® Card
$0
0% intro for the first 15 months (then 13.99% to 25.99% variable)
0% intro for the first 15 months (then 13.99% to 25.99% variable)
$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Wells Fargo Propel American Express® Card
$0
0% intro for the first 12 months (then 13.99% to 25.99% variable)
0% intro for the first 12 months (then 13.99% to 25.99% variable)
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.
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How to compare Wells Fargo cards with no annual fee

All except one card offered by Wells Fargo comes with no annual fee. To successfully compare these cards, ask yourself:

  • Do you want to earn a signup bonus?
    All Wells Fargo credit cards, except for the Wells Fargo Platinum Card, come with two types of signup bonuses if you meet spend requirements: a bulk reward in points or cash, or the chance to earn accelerated points on select categories during your first six months of card membership. Consider which type of bonus you prefer before choosing a card.
  • Do you want to earn cash back?
    The Wells Fargo Cash Wise Visa® Card could be worth considering if you want to earn unlimited 1.5% cash back on everything you buy. You can also consider the Wells Fargo Propel American Express® Card where you earn points, redeemable for cash as a statement credit.
  • Do you travel often?
    Wells Fargo isn’t known for solid travel cards, but the Wells Fargo Propel American Express® Card or the Wells Fargo Visa Signature® Card could be options. Keep in mind, the Wells Fargo Visa Signature® Card comes with foreign transaction fees.
  • Do you want a 0% intro APR period?
    All Wells Fargo credit cards with no annual fee offer long 0% intro APR period on balance transfers and purchases. The card with the longest intro APR period is the Wells Fargo Platinum Card. However, take note that this card does not offer rewards on purchases.

Will I earn more rewards if I pay an annual fee?

The only Wells Fargo credit card that comes with an annual fee is a secured card. Unless you’re looking to build your credit, you won’t find higher value with this card.

Consider a no-annual-fee card from other brand

Citi® Double Cash Card

  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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Bottom line

Wells Fargo offers a variety of credit cards with no annual fee, including cashback cards, cards with accelerated points on everyday purchases and cards aimed for those who often travel. In addition, all of these cards offer a long intro APR period on balance transfers and purchases.

However, if none of the cards seem appealing to your financial situation, consider other credit cards and compare your options.

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