Best Wells Fargo Credit Cards - September 2026

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.

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.

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.