2024 was a big year for Wells Fargo, with the issuer adding several fresh credit cards to its portfolio.
The travel rewards-focused Wells Fargo Autograph Journey℠ Card is a direct competitor to the perennial favorite Chase Sapphire Preferred® Card. The 170-year-old issuer also launched a business credit card in February, the Signify Business Cash℠ Card by Wells Fargo . Finally, Wells Fargo launched a new self-care card in June: The Wells Fargo Attune℠ Card .
Each Wells Fargo credit card has a unique list of rewards and benefits to suit various customers. Here's what you should know about the products available to find the one that best fits your needs.
Best Wells Fargo Credit Cards
- Best for travel rewards and trip insurance: Wells Fargo Autograph Journey℠ Card
- Best for no-annual-fee: Wells Fargo Autograph℠ Card
- Best for self-care: Wells Fargo Attune℠ Card
- Best for balance transfers: Wells Fargo Reflect® Card
- Best for flat-rate cash rewards: Wells Fargo Active Cash® Card
- Best for renters: Bilt Mastercard®
- Best for Choice hotel stays:Choice Privileges® Select Mastercard®
Featured Wells Fargo Credit Cards
$95
N/A
20.24%, 25.24%, or 29.24% Variable
Earn 60,000 bonus points
Good or Excellent
- Trip cancellation and lost baggage protection
- Airline and hotel transfer partners available
- Welcome bonus
- Generous cellphone protection
- Low annual fee
- Transfer partner network not as diverse or robust as competitors
The Wells Fargo Autograph Journey℠ Card is a true travel credit card, with benefits that rival many of the best travel rewards credit cards currently on the market. This card has a low annual fee on par with that of popular competing credit cards and Wells Fargo's also has a Points Transfer program that allows cardholders to juice maximum value from every point they earn.
Autograph Journey℠ Card- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
$0
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days
17.24%, 23.74%, or 28.99% Variable
N/A
Good to Excellent
- Extra-long intro APR on purchases and qualifying balance transfers
- No annual fee
- Cell phone protection
- No rewards
- Foreign transaction fees
If you're looking for the best Wells Fargo credit card for balance transfers, the Wells Fargo Reflect® Card is a great choice. And it offers an extra-long interest-free period on new purchases, too.
Wells Fargo Reflect Card- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
$0
0% intro APR on purchases for 12 months from account opening
19.24%, 24.24%, or 29.24% variable
Earn 20,000 bonus points
Good to Excellent
- Generous welcome bonus for a no-annual-fee card
- Great earning rates in useful categories, including dining, travel, and gas stations
- Useful benefits including cell phone protection and Visa Signature concierge
- Minimum spending requirement to earn bonus is slightly higher than similar no-annual-fee cards
- No airline or hotel transfer partners
The Wells Fargo Autograph℠ Card is one of the best credit card options if you're looking for a no-annual-fee card with a solid welcome bonus — especially if you spend a lot in its 3x bonus categories.
Wells Fargo Autograph Card- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Best for Travel Rewards and Trip Insurance: Wells Fargo Autograph Journey℠ Card
Introductory APR: None
Annual Fee: $95
Rewards: 5 points on hotels, 4 points on airlines, 3 points on other travel and dining and 1 point on other purchases
The Wells Fargo Autograph Journey℠ Card has disrupted the mid-tier travel credit card market in a very positive way for consumers.
This card competes head-to-head with the likes of perennial favorite such as the Sapphire Preferred Card, and the Capital One Venture Rewards Credit Card. For an annual fee of $95, cardholders will be able to earn up to 5x on certain travel purchases and can enjoy some of the best cellphone protection benefits we've seen in the industry, with coverage of up to $1,000 per eligible claim.
Wells Fargo simultaneously introduced the Points Transfer program alongside of the Wells Fargo Autograph℠ Card, which will allow Wells Fargo credit cardholders to get even more value from their rewards. Choice Privileges, Aer Lingus AerClub, Air France-KLM Flying Blue, avianca lifemiles, and British Airways Executive Club are the banking giant's inaugural travel partners.
Read our full Wells Fargo Autograph Journey credit card review.
Best No-Annual-Fee Travel Card: Wells Fargo Autograph℠ Card
Introductory APR: 0% intro APR on purchases for 12 months from account opening, then 19.24%, 24.24%, or 29.24% variable APR
Annual Fee: $0
Rewards: unlimited 3 points on restaurants, travel, gas stations, transit, popular streaming services and phone plans and earn 1 point on other purchases
The no-annual-fee Wells Fargo Autograph Card earns cardholders unlimited 3x points on select bonus categories with a sizable welcome bonus offer and a decent intro APR.
If you're looking for a no-annual-fee card you should check out the Wells Fargo Autograph Card. The card earns you unlimited rewards in a wide variety of bonus categories, as well as the opportunity to earn 20,000 bonus points when you spend $1,000 in purchases in the first three months from account opening. With the Wells Fargo Autograph Card you'll earn 3x points on dining, travel, gas, transit, select streaming services, and on phone plans (all other purchases earn 1x points). The card also has 0% intro APR on purchases for 12 months from account opening (then a 19.24%, 24.24%, or 29.24% variable APR).
You can redeem points for travel (such as flights, car rentals, and hotel stays), as gift cards, and as purchases (starting at $1). Also, you can use your points to pay through PayPal.
The Wells Fargo Autograph Card gets decent benefits like cell phone protection, auto rental collision damage waiver, travel and emergency assistance, roadside dispatch, zero liability protection, and emergency cash disbursement and card replacement. You'll also get Visa Signature privileges like 24/7 concierge service and access to the Luxury Hotel Collection.
You'll probably only benefit from the Wells Fargo Autograph Card if your expenses match the 3x bonus categories. Otherwise, you'll only earn 1x points on other purchases so you're better off looking at other no-annual-fee cards that better match your preferred spending categories.
Read more in our Wells Fargo Autograph credit card review.
Best Card for Self-Care: Wells Fargo Attune℠ Card
Introductory APR: 0% intro APR for 12 months from account opening on purchases, then 20.24%, 25.24%, or 29.99% variable APR
Annual Fee: $0
Rewards: Earn unlimited 4% cash rewards on select self-care, planet-friendly, and sports, recreation, and entertainment purchases. Earn 1% cash rewards on other purchases.
This card rewards consumers for caring well for themselves and their loved ones. The brand-new Wells Fargo Attune℠ Card earns 4% cash back on a variety of categories encompassing self-care such as gym and fitness memberships, spas, pet care and grooming, live events such as concerts and shows, and environmentally friendly purchases such as public transit, some thrift stores, and EV charging stations.
This no-annual-fee card also comes with a couple of welcome perks. New cardholders can earn $100 cash rewards bonus when you spend $500 in purchases in the first three months from account opening. They are also eligible for 0% intro APR for 12 months from account opening on purchases (then 20.24%, 25.24%, or 29.99% variable APR).
Best for Balance Transfers and 0% Intro APR: Wells Fargo Reflect® Card
Introductory APR: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days, then 17.24%, 23.74%, or 28.99% Variable APR
Annual Fee: $0
Rewards: None
The Wells Fargo Reflect Card has an exceptionally long introductory APR offer which makes it a great choice for those trying to pay down debt or other large purchases.
Indeed, the Wells Fargo Reflect Card doesn't earn cardholders rewards or any sort of welcome bonus offer, but it's a great option for folks paying down debt. It offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers made within 120 days (then a 17.24%, 23.74%, or 28.99% Variable APR). That makes it one of the best balance transfer credit cards on the market today.
Although other cards offer a good intro APR as well as earn rewards on spending, the Wells Fargo Reflect Card's intro APR offer is significantly longer than most. To qualify for the intro APR on balance transfers, you have to make the transfer within the first 120 days of account opening and pay a fee of 5%, min: $5.
The card comes only with a few perks, the most notable being cell phone protection. You can get up to $600 of cell protection against damage or theft (with the $25 deductible), but you have to pay your monthly phone bill with this card or an eligible Wells Fargo card to receive this benefit. When you use your Wells Fargo Reflect Card you also get roadside dispatch and zero liability protection.
If you're considering applying for the Wells Fargo Reflect Card, be mindful of when the intro APR bonus runs out. The regular APR is a 17.24%, 23.74%, or 28.99% Variable. Because the intro APR is the most rewarding aspect of the card, it's not a good choice for spending in the long term. But remember that the card has a $0 annual fee so it won't cost you anything to keep it.
Read more in our Wells Fargo Reflect credit card review.
Best for Flat-Rate Cash Rewards: Wells Fargo Active Cash® Card
Introductory APR: 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, then 19.24%, 24.24%, or 29.24% variable APR
Annual Fee: $0
Rewards: unlimited 2% cash rewards on purchases
The Wells Fargo Active Cash Card earns unlimited 2% cash rewards on purchases — one of the best flat cash rewards rates of any no-annual-fee card. The welcome bonus offer is decent for a no-annual-fee card, and there are no rotating categories, no quarterly activations, no category limitations, and no earning caps.
The Wells Fargo Active Cash Card is part of the Wells Fargo Rewards program so you can redeem rewards as statement credits (to a Wells Fargo Mortgage, loan, or credit product), on purchases charged to your credit (starting at $1), and as cash or gift cards. You can also redeem rewards toward travel bookings.
The Wells Fargo Active Cash Card has a 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening (then a 19.24%, 24.24%, or 29.24% variable APR). Although the Wells Fargo Reflect Card has a longer intro APR offer, this is still a solid deal.
Another great feature is cell phone protection coverage if your phone is damaged or stolen. It's worth up to $600 per claim, with a $25 deductible (maximum of two claims every year). Other benefits include Visa Signature® concierge (24/7 concierge service), travel emergency cash disbursement and card replacement, roadside dispatch, and access to the Visa Signature Luxury hotel collection.
Read more in our Wells Fargo Active Cash Card review.
Best for Renters: Bilt Mastercard®
Introductory APR: None
Annual Fee: $0
Rewards: 1 point on rent payments without the transaction fee (up to 100,000 points each calendar year), 3 points on dining, 2 points on travel, and 1 point on other purchases (use the card 5 times each statement period to earn points)
The Bilt Mastercard® lets you earn points when you pay rent with no transaction fee, no annual fee, and you can transfer points to excellent airline and hotel partners (see rates and fees).
If you're looking to earn rewards on rent payments, the Bilt Mastercard® is the best (and only) card that allows you to earn points when you pay your rent, with no transaction fees. Bilt can send a check, or make a direct bank transfer to your landlord to avoid the transaction fee.
You earn 1 Bilt Point per dollar spent on rental payments up to $100,000 a year for no annual fee. You can also earn 2x points on travel bookings, 3x points on dining, and 1x points on all other purchases. However, you have to make at least five transactions per statement to receive any earned points.
The Bilt Mastercard® lets you earn 2,500 Bilt Points per friend you refer, and 10,000 bonus points after you successfully refer five members. You don't even need to be a Bilt Mastercard® cardholder to make referrals. Just use the Bilt app to "Invite" people.
Other than the $0 annual fee (see rates and fees), the most notable benefit of the Bilt Mastercard® is that cardholders can transfer points to a great selection of airlines and hotels partnered with Bilt Rewards, including, World of Hyatt and British Airways.
Your other options for redeeming rewards are using points toward a down payment or mortgage, on fitness classes (like Soul Cycle, and Y7), or merchandise (through the Bilt app).
Read more in our Bilt Mastercard card review.
Best for Choice Hotel Stays: Choice Privileges® Select Mastercard®
Introductory APR: None
Annual Fee: $95
Rewards: 10 points on stays at participating Choice Hotels® properties, 5 points on purchases at gas stations, grocery stores, home improvement stores and phone plan services, and 1 point on other purchases
Why the Wells Fargo Choice Privileges Select Mastercard is worth it: Choice Hotels loyalists can earn a huge welcome bonus offer and enjoy premium benefits from the Choice Privileges® Select Mastercard®.
The Choice Privileges® Select Mastercard® is one of two Choice Hotels credit cards from Wells Fargo, and it's a terrific deal if you stay with Choice Hotels frequently and like to earn Choice Privileges points. It's offering 60,000 bonus points when you spend $3,000 in purchases within the first three months from account opening (worth around $420 in stays, based on Business Insider's points and miles valuations).
With the welcome bonus points alone, you could get up to 7 nights at Choice Hotels®. The card also offers strong earning rates with Choice and other popular categories like gas stations, grocery stores, home improvement stores, and on phone plans.
There's an annual fee of $95, but paying the fee can be well worth it if you make the most of the card's perks, which include 30,000 bonus points each account anniversary (worth around $210 in stays based on our valuations), automatic Platinum elite status, a Global Entry/TSA PreCheck® application fee credit, cell phone protection, and World Elite Mastercard benefits.
Read more in our Choice Privileges Select Mastercard review.
Wells Fargo Credit Card Frequently Asked Questions
The Wells Fargo Autograph Journey℠ Card may be one of the best cards for consumers who want a Wells Fargo product because it offers top-tier phone insurance, travel protections, and different travel partners.
The Wells Fargo Autograph Journey℠ Card is the issuer's best travel credit card to date, with a slew of valuable benefits including a $50 airline credit with a $50 minimum airline purchase, airline and hotel transfer partners, and generous trip protection benefits.
Wells Fargo is still offering credit cards. Although Wells Fargo did retire most of its legacy cards (such as the Wells Fargo Propel American Express® card), a new generation of products has been released with some of the same characteristics as the retired cards. Some of Wells Fargo current cards are the Bilt Mastercard®, Wells Fargo Reflect Card, Wells Fargo Autograph Card, and Wells Fargo Active Cash Card.
You need good to excellent credit to qualify for a Wells Fargo card (FICO defines a good credit score as between 670 and 739).
Wells Fargo does not limit the number of cards you can have at one time. However, you might not qualify for another card if you've opened one in the last six months.
As of December 2019, the Wells Fargo Secured Card no longer accepts applications. There do not seem to be any plans for reopening the card. Other banks that offer secured credit cards are Capital One, Citi, Discover, and Bank of America. Read our guide to the best credit cards for bad credit and best secured credit cards for the top options.
You can apply for a Wells Fargo card on the Wells Fargo website or in person at a Wells Fargo branch.
Why You Should Trust Us: How We Chose the Best Wells Fargo Credit Cards
Business Insider's editorial team evaluated these recommended Wells Fargo credit cards based on several factors:
- Earning potential — Does this credit card earn good rewards for each dollar spent? Does it offer bonus rewards on shopping categories that most people make regularly?
- Annual fee — If the card comes with an annual fee, do the benefits outweigh the cost? If the credit card doesn't carry an annual fee, does it offer sufficient benefits to outweigh other no-annual-fee cards you could choose in its place?
- Benefits — Does the credit card benefit your life beyond earning rewards or offering 0% intro APR? Most of Wells Fargo's credit cards offer cellphone insurance, for instance, which is a valuable benefit for anyone with an expensive smartphone.
Read more about how we rate credit cards.
