Best Wells Fargo Credit Cards - October 2026

The Choice Privileges Select Mastercard targets travelers who regularly use Choice hotels and can justify its $95 annual fee. It earns 10 points per dollar on eligible Choice stays and point purchases, 5 in selected everyday categories, and 1 on other purchases.

The 30,000 anniversary points are separate from the welcome offer and depend on the account remaining open and in good standing. Their value depends on available redemptions rather than a guaranteed number of nights. Platinum status and travel benefits should be compared with planned stays; they do not automatically offset the annual fee.

Source checked October 26, 2026: Issuer offer and terms. Amounts are in U.S. dollars.

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 18.74%–28.74% variable applies after intro period. See issuer for full details.

The Choice Privileges Mastercard can suit travelers who use Choice hotels without wanting an annual card fee. It earns 5 points per dollar on eligible Choice stays and eligible point purchases, 3 in selected everyday categories, and 1 on other purchases.

The verified public offer is 40,000 points after $1,000 in purchases within the first three months. The nights available depend on the property, dates, and redemption terms, so the bonus should not be converted into a guaranteed number of free nights. Included Gold status should likewise be assessed against stays you actually plan to make.

Source checked October 26, 2026: Issuer offer and terms. Amounts are in U.S. dollars.

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

• Unlimited 2% cash back on all purchases
• $100 cash rewards bonus after $500 in purchases in the first 3 months
• 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 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. A 0% introductory APR applies for 12 months to purchases and eligible balance transfers; transfer requests must be made within 120 days of account opening. Then a variable 18.74%, 24.74% or 28.74% APR applies, based on creditworthiness. Transfer fee: 3%, $5 minimum, for 120 days; afterward, up to 5%, $5 minimum. See Wells Fargo’s terms.

Stay Flexible with the Wells Fargo Reflect^® Card

• 0% intro APR on purchases and qualifying balance transfers for 21 months from account opening*
• No annual fee
• Balance transfer eligibility requires a request within 120 days of account opening; the 21-month promotional period starts at account opening
• Cell phone protection up to $600 per claim (subject to deductible) when you pay your phone bill with this card
• Foreign transaction fee of 3% on each transaction converted to U.S. dollars

The Reflect card offers 21 months at 0% from account opening on purchases and eligible balance transfers. Include the transfer fee in your repayment plan and aim to repay the promotional balance before the standard variable APR applies. The current offer does not add three extra months for on-time payments.

*0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A balance transfer request must be made within 120 days of account opening. After the promotion, the variable APR is 17.74%, 24.24%, or 28.49%, based on creditworthiness. Balance transfer fee: 5% of each transfer, with a $5 minimum. Foreign transaction fee: 3% of each transaction converted to U.S. dollars. Eligibility restrictions apply, including the 48-month Reflect account rule. See issuer for full details.