Best Wells Fargo Credit Cards

Comparing the best credit cards offered by Wells Fargo

Sometimes, a quick glance is the best way to see which of the Wells Fargo best credit card offers is right for your wallet. Utilize the following table to quickly see if any catch your eye based on your personal finance needs:

A closer look at the best credit cards from Wells Fargo

While the above table provides an excellent overarching view of the best credit cards Wells Fargo offers, diving a little deeper into each specific card can be particularly beneficial:

Wells Fargo Active Cash® Card

Reward rate: 2% cash back on all purchases

Intro APR: 0% Intro APR for 15 months. Intro APR rate applies to balance transfers made within 120 days from account opening.

Regular APR: 19.99%, 24.99%, 29.99% variable APR depending on creditworthiness.

Signup bonus: Earn $200 cash rewards bonus when you spend $500 (normally $1,000) in purchases in the first 3 months from account opening.

Our verdict: The Wells Fargo Active Cash Card is one of the best simple rewards credit cards available today. It can serve as the best first credit card Wells Fargo offers that you put in your wallet simply due to the fact that it doesn’t require any thinking. Every purchase made earns the holder 2% pure cash back, rather than points, which are automatically deposited into a cash back account. For the spenders who don’t want to spend time categorizing their expenditures, the Active Cash Card should be a top contender.

Pros:

• Long introductory APR which applies to balance transfers
• Low APR for those who have strong credit
• No annual fee

Cons:

• Modest rewards earning rate
• Relatively low welcome offer compared to similar cards on the market

Apply now: Wells Fargo Active Cash Visa® Card

Wells Fargo Autograph℠ Card

Reward rate: 3x points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans plus 1x points on all other purchases

Intro APR: 0% intro APR for 12 months from account opening.

Regular APR: 19.99%, 24.99%, or 29.99% variable APR depending on credit worthiness.

Signup bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months from account opening.

Our verdict: Unlike the Wells Fargo Active Cash Card, the Wells Fargo Autograph Card is perfect for those who recognize that they have significantly more expenses in certain categories than others. Should those categories line up with the 3x points categories outlined with the Autograph card, then this is a must-add to your wallet. Additionally, the 0% intro APR for 12 months makes this a great card to use for any upcoming large purchases that you may not be able to make out-of-pocket.

Pros:

• Multiple rewards earnings categories make this a versatile card
• No annual fee on the card
• Lengthy introductory APR period
• Strong signup bonus offer

Cons:

• Due to number of rewards categories, the Autograph card is more difficult to get approved for

Apply now: Wells Fargo Autograph℠ Card

Blit World Elite Mastercard®

Reward rate: 1x points on rent payments, 2x points on travel, 3x points on dining, and 1x points on all other purchases. Earn double points on the first day of each month (except rent). The card must be used five times in a statement period to earn points.

Intro APR: None.

Regular APR: 21.24%, 24.24%, or 29.24% depending on creditworthiness.

Signup bonus: None.

Our verdict: One of the most significant payments a person makes on a monthly basis is their rent payment, which historically could not be done effectively with rewards credit cards. However, the Blit World Elite Mastercard is for those with significant rent payments on a monthly basis. Additionally, travelers and diners can enjoy the 2x and 3x points back, respectively, bolstered by double on the first day of every month (with the exception of rent).

Pros:

• Double earnings rate at the beginning of the month
• Rent can still be paid with the card even for those who live where checks are only accepted, as Blit will send a check on your behalf
• Multiple earnings categories
• No annual fee

Cons:

• No introductory APR
• Higher starting APR
• No signup bonus offered
• Despite multiple earnings categories, the earnings rates are relatively low

Apply now: Wells Fargo Bilt Mastercard® Rewards Card

Wells Fargo Reflect® Card

Reward rate: None.

Intro APR: 0% Intro APR for 21 months. Applies to balance transfers made within 120 days from account opening.

Regular APR: 17.99% to 29.99% depending on creditworthiness.

Signup bonus: None.

Our verdict: In looking at what is the best Wells Fargo credit card, those with large amounts of existing debt should consider the Wells Fargo Reflect Card. With an incredibly long introductory APR period of 21 months, applying to balance transfers made within 120 days from account opening, this serves as a great debt consolidation card. By using this benefit, a person can make serious milestones in paying off their debt without worrying about interest accruing. There are no reward offerings with this card, however, so it is only best for those looking to reduce debt.

Pros:

• Extremely long introductory APR with a length period to make balance transfers
• Low starting APR for those with stronger credit
• No annual fee

Cons:

• This is not a rewards credit card
• There is no signup bonus offered

Apply now: Wells Fargo Reflect®

Choice Privileges® Select Mastercard®

Reward rate: 10x points on stays at participating Choice Hotels properties plus on Choice Privileges point purchases, 5x points on purchases at gas stations, grocery stores, home improvements stores and phone plan services, plus 1x points on other purchases.

Intro APR: None.

Regular APR: 20.74%, 24.99%, or 29.99% depending on credit worthiness.

Signup bonus: Earn 90,000 bonus points when you spend $3,000 in purchases in the first 3 months, which is the equivalent of up to 11 reward nights at select Choice Hotels properties.

Our verdict: The new Choice Privileges Select Mastercard Credit Card offered by Wells Fargo is a travel-focused card that aims to put competitors in the industry to shame. The portfolio of Choice Hotels is massive and provides a cardholder with 10x back on points, making this card the ultimate travel rewards card, coupled with the other 5x bonus categories points are offered in. There is a $95 annual fee which is waived in the first year.

Pros:

• Wide variety of earnings categories in addition to the large earnings that come from the primary travel category
• Strong welcome offer of nearly two weeks of nights in approved properties
• Annual fee is waived for the first year

Cons:

• No introductory APR
• $95 annual fee after the first year

Apply now: Wells Fargo Choice Privileges® Select

Choice Privileges® Mastercard®

Reward rate: Earn 5x points on stays at participating Choice Hotels properties plus on Choice Privileges point purchases, as well as 3x points on purchases at gas stations, grocery stores, home improvement stores, and phone plan services, plus 1x points on other purchases.

Intro APR: None.

Regular APR: 20.74%, 24.99%, or 29.99% depending on creditworthiness.

Signup bonus: Earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months, which is enough to redeem up to 7 reward nights at select Choice Hotels properties.

Our verdict: In truth, the Choice Privileges Mastercard Credit Card is the best card for those who simply don’t qualify for the Choice Privileges Select Mastercard Credit Card, serving as an excellent starter travel card. With a slightly lower 5x points back on approved hotels and 3x back on additional bonus categories, this card still provides the holder with excellent benefits. There is no annual fee associated with the card, and the signup bonus is slightly less than its bolder select counterpart.

Pros:

• Wide variety of earnings categories in addition to the large earnings that come from the primary travel category
• Reasonable welcome offer that earns a cardholder around a week in Choice-approved properties
• No annual fee

Cons:

• No introductory APR

Apply now: Wells Fargo Choice Privileges® Card

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

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

Credit score needed for a credit card from Wells Fargo

The majority of credit cards offered by Wells Fargo will require a credit score that falls in the range of good to excellent. This equates to a score of at least 600 for the best shot of approval on an application, but keep in mind that it’s always best to have a score that is well above the minimum that is required.

Related: Wells Fargo Credit Card Requirements

Methodology

In determining which Wells Fargo credit card is best, a number of different factors were taken into account in order to create the utilized methodology. These factors include:

• The annual fee associated with the card if there was an annual fee
• The overall cost of owning the card
• The number of benefits that come from owning the card
• The required credit score that was needed for the best shot of approval for the card
• The total earning potential that a card brings to the table
• The additional benefits beyond the earnings benefits that come from owning the card
• The potential impact to a credit score from owning a certain card

The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.