If you are looking for a new credit card that suits your lifestyle and spending habits, you may want to consider the Best Wells Fargo Credit Cards. Wells Fargo is one of the largest and most trusted banks in the US, offering a range of personal credit cards with different features and benefits. Whether you want to earn cash back, points, or rewards nights, save on interest, or pay your rent, there is a Wells Fargo credit card for you.
Read this guide as it lists the Best Wells Fargo Credit Cards based on their rewards rate, sign-up bonus, annual fee, intro APR, regular APR, balance transfer fee, foreign transaction fee, and credit needed.
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1. Active Cash® Card
2. Autograph℠ Card
3. Reflect® Card
4. Bilt World Elite Mastercard® Credit Card
5. Choice Privileges® Mastercard® Credit Card
6. Choice Privileges® Select Mastercard®
Overview of Best Wells Fargo Credit Cards
How to Choose Best Wells Fargo Credit Cards
Pros & Cons of Best Wells Fargo Credit Cards
What to Watch Out For
Pro Tips
1. Active Cash® Card
Choose this card if you want to earn unlimited cash back on every purchase, without worrying about categories or fees.
Pros
- Earn 2% cash back on all purchases, with no caps or expiration dates.
- Get a $200 cash rewards bonus after spending $500 in the first 3 months.
- Enjoy a 0% intro APR for 15 months on purchases and qualifying balance transfers, then a variable APR of 14.99% to 24.99%.
- Pay no annual fee or foreign transaction fees.
Cons
- Has a 3% balance transfer fee for the first 120 days, then 5%.
- Has no bonus categories or extra perks.
- Card Type: Visa
- Rewards Rate: 2% cash back on all purchases
- Sign-up Bonus: $200 cash rewards bonus after spending $500 in the first 3 months
- Annual Fee: $0
- Intro APR: 0% for 15 months on purchases and qualifying balance transfers
- Regular APR: 14.99% to 24.99% variable
- Balance Transfer Fee: 3% for the first 120 days, then 5%
- Foreign Transaction Fee: $0
- Credit Needed: Excellent/Good
2. Autograph℠ Card
Know that this card is a good option for you want to earn flexible points on a variety of categories, including travel, dining, streaming, and phone plans.
Pros
- Earn 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans, and 1X points on other purchases.
- Get 20,000 bonus points after spending $1,000 in the first 3 months, worth $200 in travel, gift cards, or cash redemption options.
- Enjoy a 0% intro APR for 12 months on purchases, then a variable APR of 14.99% to 24.99%.
- Pay no annual fee or foreign transaction fees.
- Redeem your points for travel, gift cards, cash, or pay with points at select merchants.
Cons
- Has no 0% intro APR on balance transfers.
- Has no extra benefits like travel insurance or cell phone protection.
- Card Type: Visa Signature
- Rewards Rate: 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans, and 1X points on other purchases
- Sign-up Bonus: 20,000 bonus points after spending $1,000 in the first 3 months
- Annual Fee: $0
- Intro APR: 0% for 12 months on purchases
- Regular APR: 14.99% to 24.99% variable
- Balance Transfer Fee: 5%
- Foreign Transaction Fee: $0
- Credit Needed: Excellent/Good
3. Reflect® Card
Consider this card as a smart choice for you if you want to save on interest and pay off debt faster, with the longest 0% intro APR period of 21 months on purchases and qualifying balance transfers.
Pros
- Enjoy a 0% intro APR for 21 months on purchases and qualifying balance transfers, then a variable APR of 16.99% to 26.99%.
- Pay no annual fee.
- Access your FICO® Score for free with Wells Fargo Online®.
Cons
- Has a 3% balance transfer fee for the first 120 days, then 5%.
- Deducts a 3% foreign transaction fee.
- Has no rewards or extra perks.
- Card Type: Visa
- Rewards Rate: None
- Sign-up Bonus: None
- Annual Fee: $0
- Intro APR: 0% for 21 months on purchases and qualifying balance transfers
- Regular APR: 16.99% to 26.99% variable
- Balance Transfer Fee: 3% for the first 120 days, then 5%
- Foreign Transaction Fee: 3%
- Credit Needed: Excellent/Good
4. Bilt World Elite Mastercard® Credit Card
Pick this card as your unique offer if you are a renter who wants to earn rewards on his or her rent payments and use them towards travel, home ownership, or more rent.
Pros
- Earn 1.5X points on rent payments, 2X points on travel and dining, and 1X points on other purchases.
- Get a 10,000 bonus points offer after spending $1,000 in the first 90 days.
- Pay no annual fee or foreign transaction fees.
- Redeem your points for travel, home ownership, or more rent, with no blackout dates or restrictions.
- Enroll in Global Entry or TSA PreCheck and receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Bilt World Elite Mastercard® Credit Card.
- Get up to $800 of cell phone protection against damage or theft (subject to a $25 deductible).
Cons
- Ready to be a Bilt Rewards member and use the Bilt app to access the benefits of this card.
- Can only pay rent with this card at participating properties or through the Bilt Payment Platform, which may charge a fee.
- Offers no 0% intro APR offers on purchases or balance transfers
- Card Type: Mastercard
- Rewards Rate: 1.5X points on rent payments, 2X points on travel and dining, and 1X points on other purchases
- Sign-up Bonus: 10,000 bonus points after spending $1,000 in the first 90 days
- Annual Fee: $0
- Intro APR: None
- Regular APR: 15.99% to 22.99% variable
- Balance Transfer Fee: 3%
- Foreign Transaction Fee: $0
- Credit Needed: Excellent/Good
>>>PRO TIPS: How to Get a Wells Fargo Credit Card
5. Choice Privileges® Mastercard® Credit Card
Consider this card if you are a frequent traveller who wants to earn rewards nights at Choice Hotels and other partner hotels, with no annual fee or foreign transaction fees.
Pros
- Earn 10X points on stays at participating Choice Hotels properties, 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services, and 1X points on other purchases.
- Get 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 rewards nights at select Choice Hotels® properties.
- Pay no annual fee or foreign transaction fees.
- Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
- Redeem your points for free nights at over 7,000 Choice Hotels properties worldwide, or transfer them to over 20 airline partners.
Cons
- Has no 0% intro APR offers on purchases or balance transfers.
- Has a high APR of 25.99% variable.
- Offers limited redemption options outside of Choice Hotels.
- Card Type: Mastercard
- Rewards Rate: 10X points on stays at participating Choice Hotels properties, 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services, and 1X points on other purchases
- Sign-up Bonus: 60,000 bonus points when you spend $3,000 in purchases in the first 3 months
- Annual Fee: $0
- Intro APR: None
- Regular APR: 25.99% variable
- Balance Transfer Fee: 5%
- Foreign Transaction Fee: $0
- Credit Needed: Excellent/Good
6. Choice Privileges® Select Mastercard®
Know that this card is a premium version of the Choice Privileges® Mastercard®, offering a higher rewards rate and more benefits, but also a higher annual fee and a higher spending requirement for the bonus offer.
Pros
- Earn 10X points on stays at participating Choice Hotels properties, 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services, and 1X points on other purchases.
- Get 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 rewards nights at select Choice Hotels® properties.
- Pay a $95 annual fee.
- Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
- Enrol in Global Entry or TSA PreCheck and receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Choice Privileges® Select Mastercard®
- Earn 30,000 bonus points every account anniversary, enough to redeem for up to 3 reward nights at Choice Hotels properties.
- Redeem your points for free nights at over 7,000 Choice Hotels properties worldwide, or transfer them to over 20 airline partners.
- Pay no foreign currency conversion fee
Cons
- Has no 0% intro APR offers on purchases or balance transfers.
- Has a high APR of 29.99% variable.
- Offers limited redemption options outside of Choice Hotels.
- Card Type: Mastercard
- Rewards Rate: 10X points on stays at participating Choice Hotels properties, 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services, and 1X points on other purchases
- Sign-up Bonus: 60,000 bonus points when you spend $3,000 in purchases in the first 3 months
- Annual Fee: $95
- Intro APR: None
- Regular APR: 29.99% variable
- Balance Transfer Fee: 5%
- Foreign Transaction Fee: $0
- Credit Needed: Excellent/Good
Overview of Best Wells Fargo Credit Cards
Wells Fargo is one of the largest and most trusted banks in the US, offering a range of personal credit cards with different features and benefits. Whether you want to earn cash back, points, or rewards nights, save on interest, or pay your rent, there is a Wells Fargo credit card for you. Also note that Wells Fargo has over 4,700 branches in 36 states making it one of the banks with wider coverage in America.
All Wells Fargo credit cards have some common features, such as:
- Access to your FICO® Score for free with Wells Fargo Online®.
- Cell phone protection of up to $600 against damage or theft when you pay your monthly bill with your eligible card (subject to a $25 deductible).
- Cash rewards redemption at Wells Fargo ATMs in $20 increments.
- Zero liability protection for unauthorized transactions.
However, each card also has its own unique advantages and drawbacks, depending on your spending habits and preferences.
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How to Choose Best Wells Fargo Credit Cards
- Check your credit score. Wells Fargo credit cards require a good to excellent credit score of 670 or higher on the FICO scale. You can check your credit score for free online or through your bank or creditor. You can also request your free credit reports from the three major credit bureaus at annualcreditreport.com and look for any errors or issues that may affect your score.
- Decide if you want rewards or an intro APR offer. Wells Fargo offers credit cards that either earn cash back, points, or rewards nights, or have a long 0% intro APR period on purchases and balance transfers.
- Compare the card features and benefits.
- Apply for the card that suits your needs. After you have done your research and comparison, you can apply for the card that suits your needs online, by phone, or in person at a Wells Fargo branch.
Pros & Cons of Best Wells Fargo Credit Cards
Here are the general pros and cons of the Best Wells Fargo Credit Cards, based on some online sources.
- Pros
- Rewards: You can earn cash back, points, or rewards nights on your purchases, depending on the card you choose.
- Intro APR: Some cards offer a 0% intro APR on purchases and/or balance transfers for up to 21 months, which can help you save on interest and pay off debt faster.
- Annual fee: Most cards have no annual fee, which can save you money and make it easier to keep the card long-term.
- Cell phone protection: All cards offer up to $600 of cell phone protection against damage or theft when you pay your monthly bill with your eligible card (subject to a $25 deductible).
- Foreign transaction fee: Some cards have no foreign transaction fees, which can save you money when you travel abroad.
- Cons
- Balance transfer fee: All cards charge a balance transfer fee of either 3% or 5%, which can reduce the savings from the intro APR offer.
- Regular APR: Most cards have a high regular APR after the intro period, which can be costly if you carry a balance.
- Redemption options: Some cards have limited redemption options for their rewards, such as only Choice Hotels or Bilt Rewards.
- Membership requirement: Some cards require you to be a member of a specific program or app, such as Bilt Rewards or Choice Privileges, to access the benefits of the card.
- Credit score: All cards require a good to excellent credit score of 670 or higher on the FICO scale, which may limit your eligibility.
What to Watch Out For
Here are some things to watch out for on Wells Fargo credit cards:
- Balance transfer fees: All cards charge a balance transfer fee of either 3% or 5%, which can reduce the savings from the intro APR offer.
- Regular APR: Most cards have a high regular APR after the intro period, which can be costly if you carry a balance.
- Redemption options: Some cards have limited redemption options for their rewards, such as only Choice Hotels or Bilt Rewards.
- Membership requirement: Some cards require you to be a member of a specific program or app, such as Bilt Rewards or Choice Privileges, to access the benefits of the card.
- Credit score: All cards require a good to excellent credit score of 670 or higher on the FICO scale, which may limit your eligibility.
Pro Tips
- Check your credit score. Wells Fargo credit cards require a good to excellent credit score of 670 or higher on the FICO scale.
- Decide if you want rewards or an intro APR offer. Wells Fargo offers credit cards that either earn cash back, points, or rewards nights, or have a long 0% intro APR period on purchases and balance transfers.
- Compare the card features and benefits.
- Apply for the card that suits your needs. After you have done your research and comparison, you can apply for the card that suits your needs online, by phone, or in person at a Wells Fargo branch.
Recap
Understand that Wells Fargo is one of the leading banks in the US, offering a variety of personal credit cards that can suit your needs and preferences. Whether you want to earn cash back, points, or rewards nights, save on interest, or pay your rent. However, be aware of the balance transfer fees, regular APRs, redemption options, membership requirements, and credit score needed for each card. By following the steps and tips in this article you can compare the best Wells Fargo credit cards and find the one that matches your lifestyle and spending habits.
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