Wells Fargo Personal Credit Cards Review

(July 2024)

Wells Fargo Personal Credit Cards Review

In This Article

Our Verdict

Choose Wells Fargo if you desire a credit card issuer that offers arguably the best cash-back credit card in the United States. You can access the bank from any region across the 50 states and it also boasts over 13,000 ATMs including over 5,400 branches.

Take full advantage of cash-back rewards and points rewards from the bank when you choose any of its personal credit card Products. Also, get access to free annual fees and 0% intro APRs which can reach up to your first 18 months.

On the other hand, ready for the high charges on interest. In addition, ensure you have a good to excellent credit score to be eligible. You may also face a choice problem as you can only choose from four options on credit cards.

Wells Fargo

Corporate Headquarters

420 Montgomery Street, San Francisco,

United States.

Phone Number: 1-855-282-6353



  • Rewards and benefits
  • 0% intro APRs
  • Zero annual fees
  • Zero penalty fees
  • Availability of multiple options


  • High rates on interest
  • Good to excellent credit score
  • Limitation in product availability
  • Zero specification in qualification requirements
  • Favoritism in customer preference

Who This Product Is Best For

Wells Fargo bank

Choose this issuer if you are a cardholder who:

  • Wants credit cards with benefits and rewards
  • Desires credit cards with 0% intro rates
  • Is an existing banking customer of Wells Fargo
  • Has required credit score

Who This Product Isn't Right For

Look for another card issuer if you are a cardholder who:

  • Has a poor or fair credit score
  • Is looking for credit building card
  • Has no history banking history with Wells Fargo
  • Wants card issuer with more options

What This Product Offers

Wells Fargo Active Cash® Card:  Consider Wells Fargo Active Cash if you prefer a credit card with a regular cash-back bonus. Get up to $2 non-expiring cash back as long as you keep your account open.

 Also, tap into the full benefits of the card by taking the advantage of zero annual fees including phone insurance that secured your phone with up to $600.

 However, don’t expect any fixed APR on this card as the interest can sometimes go higher than you can imagine.

Bilt Mastercard®: Use this card today to forget your worries about annual fees. Know that this card is specifically for rent payment but you can use it for other purposes like traveling, hotel bookings, and dining expenses.

Wells Fargo Autograph Card: Do you want a credit card product that gives you the triple value of your rewards? An Autograph Card is your best choice. Expect up to 20,000 points which equals a redemption value of $200 with no annual fee.

Wells Fargo Reflect® Card: Go for this card if you want a perfect card that allows you to easily move your outstanding balances from other cards in order to pay it at a lower rate. However,  know that you have to pay a 5% fee on the balance transfer.

Product Details


Membership rewards

Annual fees


Required credit score

Wells Fargo Active Cash® Card

Get a cashback of $200 within your first 3 months when you spend at least $500.


Enjoy a zero % interest for 15 months. After this, start paying at variable rates which may be 19.74%, 24.74%, or 29.74%.

700 to 749

Bilt Mastercard®

You can earn up to 100,000 points in your first year on the card at the rate of 1 point per dollar on rent payment,  2 points per dollar on travel,  and 3 points per dollar on other expenses. Don’t expect a welcome bonus if you choose this card.


Not disclosed

700 to 749

Wells Fargo Autograph Card

Spend $1000 in your first 3 months to earn a bonus point of 20,000 points.


Enjoy a 0% rate in your first 12 months. Later, start paying at a variable rate that ranges from 19.24%, 24.74% and 29.74 percent.

700 to 749

Wells Fargo Reflect® Card

Don’t expect rewards or welcome bonuses on this card because it’s majorly designed for debt cleaning.


Start enjoying 0% interest in your first 18 months of the account opening. Then, continue paying your interest at a variable rate that begins from 17.74% to 29.74%.

700 to 746

Where This Product Stands Out

No annual fee

Interestingly, don’t bother about the annual fee on whichever credit card you choose. All of Wells Fargo’s personal credit cards offer you zero annual fees.

Variable rates

Don’t you think this may give you a chance to qualify for a favorable rate since the rates are not fixed? For instance, it’s a tradition in a financial credit service that you can qualify for the best rate if you have good creditworthiness. However, you may face different circumstances when dealing with an issuer that offers a fixed rate. Whatever your credit score, there is a limit you can’t go beyond.

Balance transfer

Move your outstanding balances from other credit cards to your Wells Fargo Reflect card in order to enjoy a lower interest on your debts and also pay them off in no time. Nonetheless, prepare to pay a balance transfer fee that can be up to $5 when moving your balances from other cards to your Wells Fargo personal credit card.

Multiple credit cards options

Choose Wells Fargo to get access to different kinds of personal credit card products which range from Active cash cards, autograph cards, reflect cards, and Bilt Mastercard. You can choose any card that suits your needs from this list.

Available in all states

Get access to Wells Fargo credit card services anywhere you are in the United States. Always bear in mind that Wells Fargo serves all.

Where This Product Falls Short

Unspecified rates

Getting a specific rate for your chosen product might require you to call the bank specialist on the phone to find out the required qualifications needed for your desired rates. Even if you use the prequalify feature on Wells Fargo’s website, you can only get speculation and not the specification.

High credit score

Check your credit score very well before you consider this issuer. Think twice if your FICO Score is below 700. You may have to consider other card issuers who consider lower scores.

Limited personal credit cards option

Despite offering different kinds of personal credit cards, you can only access up to four different cards. You may consider these options a few when you check out what American Express offers as personal credit card services.

High interest rate

Prepare yourself for a high interest rate as this issuer can charge as high as 29.24% on annual interest.

No transparency in the required qualifications

Don’t bother yourself with seeing straightforward required qualifications for Wells Fargo’s credit cards — even on Wells Fargo’s website. Rather, call the issuer’s customer care to find out the needed requirements for any credit card of your choice.

How to Qualify for This Product

Don’t expect direct guidelines from Wells on how to qualify for any of its personal credit cards. Understand that unless you call or visit the bank’s branch, you may not get the full information that ensures your qualification. Nonetheless, ensure you meet the following requirements, to even stand a chance of qualifying for Wells credit cards.

  • Possess a good or better credit score
  • Be an existing customer of Wells Fargo (this may earn you an email invitation)
  • Pre-qualify on Wells Fargo’s website to know which card you might qualify for.

How to Apply for This Product

To apply for Wells Fargo’s personal credit cards:

  • Apply online, apply on call, or in person
  • Get your full legal name
  • Provide your social security number
  • Provide you proof of address
  • Tender your financial information.

Alternatives to This Product

America Express

Do you want an issuer that provides multiple credit cards with higher reward points than Wells Fargo? Take American Express as your best option.

Both issuers relatively share the same APRs and they offer a good number of cards without an annual fee. But you can earn bonus points as high as 150,000 points while Wells only has 20,000 points.

U.S. Bank

Consider U.S Bank if you need a card issuer who offers no penalty fee on his/ her credit cards. Also, use the U.S. Bank Visa® Platinum Card to secure a long time period to pay your transferred balance.

Customer Reviews

Wells Fargo has a star rating of 3.8 from possible 5 on Consumer Affairs website,  after the website claims the bank already has over 4 million verified reviews. However, things turn out differently on Better Business Bureau’s website, as the bureau rates the bank F with a star rating of 1.07 from possible 5 stars. This is surprising because the bank has closed over 7,000 complaints with the agency in the last 4 years.


We reviewed *this product* based on 20 data points in the categories of loan details, loan costs, eligibility and accessibility, customer experience and the application process. We rated *this product* based on the weighting assigned to each category:

  • Loan cost: 35%
  • Loan details: 25%
  • Customer experience: 20%
  • Eligibility and accessibility: 10%
  • Application process: 10%

Within each major category, we also considered several characteristics, including available loan amounts, repayment terms and applicable fees. We also looked at minimum credit scores and time in business requirements and the geographic availability of the lender. Finally, we evaluated *this product* customer support tools, borrower perks and features that simplify the borrowing process—like online applications, prequalification options and mobile apps.

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