Best Wells Fargo Credit Cards

Wells Fargo Personal Cards

Wells Fargo Autograph℠ Card

Experience Big Rewards, Zero Fee with the Wells Fargo Autograph^® Card

20,000 bonus points (worth $200) after $1,000 in purchases within the first 3 months
3X points on restaurants, travel & transit, gas & EV charging, streaming services and select phone plans
1X point on all other purchases
$0 annual fee
0% intro APR on purchases for 12 months
No foreign transaction fees
Up to $600 cell phone protection against damage or theft (subject to deductible)
Complimentary Visa Signature Concierge for travel, dining and event bookings

Whether you’re dining out, hitting the road or enjoying your favorite shows, the Autograph^® Card rewards your everyday spend with 3X points while charging no yearly fee. Points never expire and can be redeemed for travel, gift cards or statement credits—or transferred to select airline partners for maximum value. Plus, enjoy a full year of interest‑free purchases and robust protection benefits to keep you covered around the clock.

Terms apply. Bonus points and benefits require qualifying purchases. Ongoing APR of 19.24%–29.24% variable applies after intro period. See issuer for full details.

Wells Fargo Active Cash℠ Card

Maximize Every Purchase with the Wells Fargo Active Cash^® Card

Unlimited 2% cash back on all purchases
$200 cash rewards bonus after $500 in purchases within 90 days
0% intro APR on purchases and balance transfers for 12 months
No annual fee
Flexible redemption via statement credit, direct deposit, ATM withdrawal or mailed check

Whether you’re grabbing a coffee, filling up at the pump or tackling big expenses, Active Cash delivers a straightforward 2% back on every swipe—no categories or caps. The generous sign‑up bonus and a full year of 0% APR make it easy to kickstart your rewards or consolidate high‑interest balances. Plus, enjoy cell phone protection and exclusive Visa Signature perks like concierge service and luxury hotel benefits.

Terms apply. Intro APR applies to purchases and balance transfers made within first 60 days; after that, variable APR of 19.24%–29.24% applies. See wellsfargo.com for complete details.

Wells Fargo Reflect℠ Card

Stay Flexible with the Wells Fargo Reflect^® Card

0% intro APR on purchases and qualifying balance transfers for up to 21 months*
No annual fee
Automatic extension of your intro APR period by 3 months when you make on‑time minimum payments during the intro period
Cell phone protection up to $600 per claim (subject to deductible) when you pay your phone bill with this card
No penalty APR for late payments

Ideal for paying down high‑interest balances, the Reflect^® Card offers one of the longest 0% APR windows in the market—extended further with every on‑time payment you make during the intro period. With no annual fee and no late‑payment penalty rate, you can focus on eliminating debt without worrying about extra costs. Enjoy built‑in cell phone damage and theft coverage, and manage your payments effortlessly through the Wells Fargo mobile app.

*0% intro APR period applies to purchases and balance transfers made within 120 days of account opening; ongoing APR of 19.24%–29.99% variable applies thereafter. Balance transfer fee: either $5 or 3% of the amount of each transfer, whichever is greater, if completed within the first 120 days; thereafter 5%. See full terms for details.

Wells Fargo Business Cards

Here are the best Wells Fargo credit card offers:

FAQs About Wells Fargo Credit Cards

What types of Wells Fargo credit cards are available?

Wells Fargo offers a range of credit cards—including cash-back, travel rewards, balance transfer, and secured cards—so there’s a card suited for everyday spending, travel, credit-building, or debt management.

How can I earn bonus rewards with Wells Fargo cards?

Depending on the card, you can earn elevated cash back or rewards in categories like groceries, gas, dining, or travel. Some cards also feature rotating bonus categories or limited-time promotional offers.

Are there annual fees on Wells Fargo cards?

Many Wells Fargo cards have no annual fees, making them a solid choice for value. Premium options with annual fees offer extra features like travel benefits or flexible rewards.

Do Wells Fargo cards charge foreign transaction fees?

Some Wells Fargo cards do not charge foreign transaction fees, but most do. If you travel internationally, make sure to choose a no-foreign-fee option to avoid extra charges.

Is there a welcome bonus available?

Yes—some Wells Fargo rewards cards offer sign-up bonuses such as cash-back or points after meeting a minimum spending requirement during the first few months.

Can I do a balance transfer?

Certain Wells Fargo cards offer promotional 0% APR balance transfers for a set period. You can transfer balances from other credit cards to pay them off without interest during that window.

Can I get a higher credit limit?

Yes—Wells Fargo allows you to request a credit limit increase through your online account or over the phone. Approval depends on factors like income, credit history, and how you’ve managed your account.

What should I do if my card is lost or stolen?

If your card is lost or stolen, report it immediately via the Wells Fargo app, website, or customer service line. A replacement card will be sent quickly, and any unauthorized charges will be monitored.

Wells Fargo Personal Cards

Wells Fargo Business Cards

FAQs About Wells Fargo Credit Cards

FAQs About Wells Fargo Credit Cards