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Best Wells Fargo Credit Cards

Explore Wells Fargo’s top credit cards with our review, featuring a curated selection of their best options offering attractive rewards, competitive interest rates, and exclusive benefits

Written by
Grace Lemire
Last Update on Jul 31, 2023

Wells Fargo offers a range of credit cards designed to cater to different lifestyles and preferences. In this article, we take a closer look at Wells Fargo’s best credit cards, highlighting their standout features, rewards programs, and exclusive benefits. 

Whether you’re looking for generous cashback rewards, travel perks, or competitive interest rates, Wells Fargo has a card to suit your needs. Join us as we explore the top offerings from Wells Fargo and help you find the perfect credit card to enhance your financial journey.

Credit CardRatingBest For…Annual FeeInterest RatesWelcome Bonus
Bilt World Elite Mastercard4.2Earning rewards on rentNone21.24%, 24.24%, or 29.24% depending on creditworthinessNone
Wells Fargo Active Cash Card3.5Flat rate rewardsNone19.99%, 24.99%, or 29.99%$200 cash reward
Wells Fargo Autograph Card3.2Rewards on everyday purchasesNone19.99%, 24.99%, or 29.99%20,000 bonus points
Wells Fargo Business Elite Signature Card3.1Companies with high spend$12511.99%$1,000 cash back
Wells Fargo Business Platinum Credit Card3.3Cash backNone15.99% to 25.99%30,000 points
Wells Fargo Reflect Card3Balance transfersNone17.99% to 29.99%None
Best for Earning Rewards on Rent

Bilt World Elite Mastercard

4.2
★★★★★ ★★★★★ ★★★★★
Credit Score Needed
Good to Excellent (700 to 749)
Welcome Bonus
None
Unique Features
Ability to pay rent with a credit card
Annual Fee
None
Foreign Transaction Fee
None
Interest Rates
21.24%, 24.24%, or 29.24% depending on creditworthiness
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The Bilt World Elite Mastercard allows customers to earn points on rent — something few cards on the market do. It also comes with a solid rewards system for people that travel and no foreign transaction fee.

Rewards

  • 1x points on rent payments (up to 100,000 points per year)
  • 2x points on travel booked directly with the vendor
  • 3x points on dining
  • 1x points on all other purchases

The card also comes with a few added bonuses:

  • Cell phone insurance
  • Purchase protection
  • Mastercard World Elite Concierge — a 24/7 personal assistant-like service
  • Doordash and Lyft credits

Pros

  • Earn rewards on rent payments
  • No annual fee
  • A variety of transfer partners
  • No foreign transaction fees, making it ideal for travel

Cons

  • No welcome bonus
Additional Details

To earn points, you must make at least five transactions per statement period.

Best for Rewards on Everyday Purchases

Wells Fargo Active Cash Card

3.2
★★★★★ ★★★★★ ★★★★★
Credit Score Needed
Good to Excellent (700 to 749)
Welcome Bonus
$200 cash reward
Unique Features
Visa Signature Concierge
Annual Fee
None
Foreign Transaction Fee
3%
Interest Rates
19.99%, 24.99%, or 29.99%
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The Wells Fargo Active Cash Card offers a simple, flat-rate 2% cash back on all purchases, making it easy to use and understand. It also comes with an optional 0% APR for 15 months, including for balance transfers, making it a strong card option. There is, however, a balance transfer fee of up to 5%.

Rewards: Unlimited 2% cash back on all purchases.

The card also comes with a few added bonuses:

  • Up to $600 of cell phone protection
  • Visa Signature Concierge

Pros

  • No annual fee
  • Simple cash back system
  • Welcome bonus

Cons

  • 3% foreign transaction fee
Additional Details

To earn the $200 welcome bonus, you must spend at least $500 in the first three months after opening the account.

Best for Rewards on Everyday Purchases

Wells Fargo Autograph Card

3.2
★★★★★ ★★★★★ ★★★★★
Credit Score Needed
Good to Excellent (700 to 749)
Welcome Bonus
20,000 points
Unique Features
Unlimited 3x points on most purchases
Annual Fee
None
Foreign Transaction Fee
None
Interest Rates
19.99%, 24.99%, or 29.99%
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The Wells Fargo Autograph Card is a good option for people who don’t want to track or remember rewards categories. The card offers unlimited 3x points on common shopping categories, like restaurants, travel, and gas.

It does, however, have a balance transfer fee, so it isn’t ideal for that.

Rewards

  • Unlimited 3x points on restaurants, travel, gas, transit, streaming services, and phone plans
  • 1x points on everything else
  • The card also comes with a few added bonuses:
  • Visa Signature Concierge
  • Up to $600 of cell phone protection

Pros

  • No annual fee
  • No foreign transaction fee
  • Solid rewards system

Cons

  • Balance transfer fee
Additional Details

To earn the welcome bonus, you’ll need to spend $1,000 within the first three months of opening the account.

Best for Companies with High Spend

Wells Fargo Business Elite Signature Card

3.1
★★★★★ ★★★★★ ★★★★★
Credit Score Needed
Good to Excellent (700 to 749)
Welcome Bonus
$1,000 cash back
Unique Features
5,000 bonus points on months you spend over $10,000
Annual Fee
$125
Foreign Transaction Fee
None
Interest Rates
11.99%
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The Wells Fargo Business Elite Signature card is ideal for companies with a high monthly spend, or those with employees in various parts of the world. The one downside is the annual fee of $125, although it is waived during the first year.

Rewards

  • Unlimited 1.5% cash back on every $1 spent or 1 point per $1 spent
  • Receive $5,000 bonus points when your business spends over $10,000 in any monthly billing period

Pros

  • Annual fee is waived for the first year
  • Up to 200 free employee cards
  • No foreign transaction fees

Cons

  • $125 annual fee after the first year
  • Some competing cards offer stronger rewards
  • Cash back is credited quarterly, not monthly
Additional Details

To earn the $1,000 welcome bonus, you’ll need to spend $25,000 within the first three months of opening the account. While the welcome bonus amount is higher than some competitors, so is the required spend.

Best for Cash Back

Wells Fargo Business Platinum Credit Card

3.3
★★★★★ ★★★★★ ★★★★★
Credit Score Needed
Good to Excellent (700 to 749)
Welcome Bonus
30,000 points
Unique Features
Option to choose your own rewards structure
Annual Fee
None
Foreign Transaction Fee
None
Interest Rates
15.99% to 25.99%
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The Wells Fargo Business Platinum Credit Card is ideal for its cash back. Earning a flat, 1.5% cash back on every $1 spent makes it easy to keep track of.

However, their rewards system is choose-your-own-adventure-style. If you opt for the other option, you might not see as much value.

Rewards

This card allows you to choose your rewards structure from the following options:

  • Cash Back Option: Earn 1.5% cash back on every $1 spent
  • Reward Points Option: Earn 1 point per $1 spend and receive 1,000 bonus points when your company spends $1,000 or more during any monthly billing cycle
  • While the Cash Back Option is strong, the Rewards Points Option isn’t as compelling. For example, during a billing cycle where you spend $2,000, you’d earn the following on each option:
    Cash Back Option: $30 cash back
    Reward Points Option: 2,000 points + 1,000 point bonus (equal to $30)
  • Where you’d see more value is if you’re spending just over $1,000 per month. For example, a $1,001 spend month, you’d earn 2,001 points (1,001 points + 1000 point bonus). On the Cash Back Option, you’d only receive $15 cash back.

Pros

  • No annual fee
  • Up to 99 free employee cards
  • Welcome bonus

Cons

  • Confusing rewards structure
  • Doesn’t offer many extra perks
Additional Details

To receive the 30,000 point welcome bonus, worth $300 cash back, you must enroll in the Business Card Rewards Program and spend $3,000 in the first three months of opening the account.

Best for Balance Transfers

Wells Fargo Reflect Card

3.0
★★★★★ ★★★★★ ★★★★★
Credit Score Needed
Good to Excellent (700 to 749)
Welcome Bonus
None
Unique Features
0% intro APR for 21 months
Annual Fee
None
Foreign Transaction Fee
3%
Interest Rates
17.99% to 29.99%
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The Wells Fargo Reflect Card is ideal for balance transfers because of its introductory APR offer. However, it doesn’t offer rewards. While it’s perfect for balance transfers, it isn’t a card worth using otherwise.

Rewards: While the card doesn’t come with a rewards program, it does come with a few extra perks:

  • Up to $600 in cell phone protection
  • Access to personalized deals through the My Wells Fargo Deals portal

Pros

  • No annual fee
  • 0% intro APR offer for 21 months

Cons

  • No rewards
  • 3% foreign transaction fee
  • 5% fee on balance transfers
  • No welcome bonus
Additional Details

This card offers a 21-month 0% intro APR, which is longer than most competitors.

Frequently Asked Questions (FAQs)

What Kind Of Rewards Can I Get With Wells Fargo Credit Cards?

Depending on the card, rewards can include cash back, points for travel, or rewards on specific categories like gas, groceries, or dining.

What Are The Annual Fees For Wells Fargo Credit Cards?

Some Wells Fargo credit cards have no annual fee, while others may charge a fee. It’s essential to check this on the Wells Fargo site or other comparison sites.

Does Wells Fargo Offer Balance Transfer Credit Cards?

Yes, Wells Fargo has credit cards that offer balance transfers, often with introductory APR offers. Always compare terms with other cards on different websites.

Can I Get A Wells Fargo Credit Card With Bad Credit?

Wells Fargo offers secured credit cards that may be an option for individuals with bad credit.

Does Wells Fargo Offer A Student Credit Card?

Yes, Wells Fargo has credit cards designed for students, like the Wells Fargo Cash Back College Card.

Can I Use Wells Fargo Credit Cards Internationally?

Yes, but be aware of potential foreign transaction fees depending on the specific card.

Grace Lemire is a full-time content writer and part-time social media creator with a passion for helping people navigate life's toughest financial decisions – from moving out of your parents' house to buying a home.