Best Wells Fargo Credit Cards of May 2024

How to choose the right Wells Fargo credit card for you

Deciding on the right Wells Fargo credit card for your wallet is challenging amidst a myriad of potential options, however, there are a few tips that can help anybody narrow down the right choice:

Consider your spending habits

• Avid shoppers who love shopping in stores and online may want to consider the Wells Fargo Reflect card. While it doesn’t have a cash back program, it does offer 0% intro APR for 21 months on purchases and qualifying balance transfers, making it a great card to cover your next big purchase or to help you consolidate other credit card debt.
• If you’re the designated pantry stocker in your household and love getting cash back on grocery spending, consider the Choice Privileges Mastercard, which gives 2x points on purchases at grocery stores (in addition to gas stations, home improvement stores, and phone plan services).
• Social butterflies who enjoy hanging out with friends, dining out, attending events and other things social and fun, the Blit World Elite Mastercard may be a good option. While the card’s primary benefit is allowing you to earn points on rent payments, you can also earn 3x points on dining and 1x points on other purchases, though you have to use the card five times to earn points each statement period. Plus, earn double points on the first of each month, meaning 6x points on dining and 2x points on other purchases.
• Foodies who enjoy dining out, finding new restaurants, and earning cash back while doing so will enjoy the Wells Fargo Active Cash card, giving you 2% cash back on all purchases. This means you’ll also earn rewards on grocery shopping so you can try new recipes at home.
  
• Digital junkies who subscribe to all of the streaming services, have the best electronic equipment, and the latest digital technology can benefit from the Wells Fargo Autograph card that has unlimited 3x points on streaming services and phone plans.
• Those who are always on the road, whose middle name is “travel” and are constantly looking for the latest escape and vacation getaway should consider the Choice Privileges Select Mastercard, which earns 10x points on stays at participating Choice Hotels properties and 5x points at gas stations.

Don’t miss out on the basics

1. Consider whether you have a large balance to transfer to the card and potentially seek out an option that has an introductory APR
2. Think about the rewards you are hoping to earn from the credit card you are seeking and make your decision based on those offerings
3. Consider whether any fees are associated with the cards you are evaluating and determine whether or not you are willing to pay them
4. Think about the credit score required and compare your score to that

Benefits of using Wells Fargo credit cards

• Reward programs: Most Wells Fargo cards offer rewards programs that allow cardholders to earn points, cash back, or other perks for every purchase made using the credit card. These rewards can often be redeemed for travel, merchandise, or statement credits.
• Introductory offers: Some Wells Fargo credit cards may come with introductory offers, such as a 0% APR for a specified period on balance transfers or purchases. This can be beneficial for individuals looking to save on interest charges.
• Security features: Credit cards from Wells Fargo, like most major issuers, usually come with security features such as chip technology and fraud monitoring to help protect cardholders against unauthorized transactions.
• Mobile banking: Wells Fargo provides mobile banking services that may include features like mobile payments, account management, and real-time transaction alerts. This can enhance convenience for users who prefer managing their finances on the go.
• Travel benefits: Some Wells Fargo credit cards may offer travel-related benefits, such as travel insurance, rental car insurance, and access to certain airport lounges.
• No foreign transaction fees: Depending on the specific credit card, Wells Fargo may offer no foreign transaction fees. This can be advantageous for individuals who frequently travel internationally.
• Access to Wells Fargo Go Far Rewards: The Go Far Rewards program allows cardholders to earn and redeem points across a variety of categories, including travel, merchandise, gift cards, and cash back.
• Credit education resources: Wells Fargo may provide resources to help cardholders manage their credit responsibly, including tools for monitoring credit scores and educational materials.

It’s important to note that the specific benefits can vary depending on the type of credit card you choose, such as cashback cards, travel rewards cards, or other specialized cards. Additionally, the terms and features of credit cards may change over time, so it’s advisable to review the latest terms and conditions directly from Wells Fargo before applying for a credit card.

How to apply for a Wells Fargo credit card

To apply for a Wells Fargo credit card, you can follow these general steps:

1. Visit the Wells Fargo website: Go to the official Wells Fargo website at www.wellsfargo.com.
2. Explore credit card options: Navigate to the “Credit Cards” section on the Wells Fargo website. Browse through the available credit card options to find the one that best suits your needs and preferences.
3. Choose a credit card: Select the Wells Fargo credit card that you want to apply for based on its features, rewards, and benefits. Before applying, carefully review the terms and conditions, including interest rates, fees, and any introductory offers that may be available.
4. Click on “Apply now” or “Get started”: Once you’ve chosen a credit card, click on the “Apply Now” or “Get Started” button. This will usually take you to the online application form.
5. Complete the application form: Fill out the online application form with the required information. This typically includes personal details, employment information, income details, and more. Wells Fargo may ask for information about your income, employment, housing, and other financial details to assess your creditworthiness.
6. Submit your application: After completing the application form, review the information to ensure accuracy. Once you are satisfied, submit the application.
7. Wait for approval: After submitting your application, Wells Fargo will review your information and credit history to determine whether you qualify for the credit card. The approval process may take some time.
8. Receive your card: If your application is approved, you will receive your Wells Fargo credit card by mail. The card will usually include instructions on activation.

Who should get a Wells Fargo credit card?

There are a variety of reasons for a person to consider adding a Wells Fargo credit card to their wallet, but the most prominent of these include people who are interested in the following:

• Simple rewards cards that don’t require categorizing your spending into different categories
• 0% intro APR offers that often apply to balance transfers for the first couple of months, meaning existing debt transferred will not incur interest
• Making a large purchase but you don’t have the funds to do it out-of-pocket
• Credit builder cards that offer many perks with often no annual fee

Who can skip Wells Fargo credit cards

For all the benefits the best Wells Fargo credit card may offer, there are also some reasons a person may choose to skip out on such a card. The most common of these reasons include if a person is looking for:

• More complicated credit cards that offer a variety of cash back categories
• Multiple travel benefits and a robust travel portal where points can be redeemed

Methodology

Credello’s credit card reviews aim to provide readers with clear and unbiased information to help them choose the right credit card that aligns with their financial goals and needs. Our methodology emphasizes transparency, disclosure of any potential biases, and regular updates to ensure the information remains relevant and accurate for readers.The methodology used to review the best Wells Fargo Credit Cards relied on a number of factors, with the most prominent of those being:

1. Annual Percentage Rate (APR): Assess the interest rates charged on outstanding balances.
2. Annual fees: Evaluate the cost of owning the credit card, including any annual fees.
3. Rewards and benefits: Examine rewards programs, cashback offers, travel perks, and other cardholder benefits.
4.  Introductory offers: Analyze introductory APR, balance transfer offers, and sign-up bonuses.
5. Credit limit: Consider the card’s credit limit and its suitability for different financial needs.
6. Fees and penalties: Review late fees, foreign transaction fees, and other charges.
7. Credit score requirements: Determine the credit score needed to qualify for the card.
8. Customer service: Research the quality and accessibility of customer support.
9. Security features: Assess security measures such as fraud protection and chip technology.