What credit score do I need for a Wells Fargo credit card?

In general, you’ll need a good to excellent credit score to qualify for a Wells Fargo credit card. We recommend having a credit score of 670 to 850 for the Active Cash, Reflect and Autograph cards.

How many Wells Fargo credit cards can you have?

You can have multiple Wells Fargo credit cards, but the issuer has some restrictions on card eligibility: You may not qualify if you’ve opened a Wells Fargo credit card in the past six months. You are not eligible for intro APR offers or welcome bonuses on a Wells Fargo-branded card if you’ve earned a bonus or intro APR offer on another Wells Fargo card within the past 48 months. If you opened a Choice Privileges Mastercard Credit Card or a Choice Privileges Select Mastercard Credit Card within the last 15 months, you won’t be eligible for an introductory bonus rewards offer.

Does Wells Fargo do preapprovals?

Yes, Wells Fargo has a pre-selection tool that doesn’t require a hard credit pull — so customers can determine their eligibility for a Wells Fargo credit card without affecting their credit score.

Best Wells Fargo Credit Cards - Top July 2025 Offers

Compare Bankrate's best Wells Fargo credit cards

Card Name	Our pick for	APR	Bankrate Review Score
Wells Fargo Active Cash® Card	Flat-rate cash rewards	Regular APR: 19.24%, 24.24%, or 29.24% Variable APR	4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Wells Fargo's secure site See Rates & Fees
Wells Fargo Reflect® Card	Balance transfers	Regular APR: 17.24%, 23.74%, or 28.99% Variable APR	4.3 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Wells Fargo's secure site See Rates & Fees
Wells Fargo Autograph® Card	Best for everyday spending	Regular APR: 19.24%, 24.24%, or 29.24% Variable APR	4.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Wells Fargo's secure site See Rates & Fees
Wells Fargo Autograph Journey℠ Card	Travel	Regular APR: 20.24%, 25.24%, or 29.24% Variable APR	4.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Wells Fargo's secure site See Rates & Fees
Choice Privileges® Select Mastercard®	Best for earning Choice points	Regular APR: 19.99%, 24.24%, or 29.24% Variable APR	3.5 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Wells Fargo's secure site See Rates & Fees
Choice Privileges® Mastercard®	Household expenses	Regular APR: 19.99%, 24.24%, or 29.24% Variable APR	3.4 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Wells Fargo's secure site See Rates & Fees
One Key™ Card	Savvy travel shoppers	Regular APR: 19.24%, 24.24%, or 29.24% Variable APR	3.8 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Wells Fargo's secure site See Rates & Fees
One Key+™ Card	Third-party travel bookings	Regular APR: 19.24%, 24.24%, or 29.24% Variable APR	3.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. (Read card review) Apply now on Wells Fargo's secure site See Rates & Fees
Wells Fargo Attune℠ Card	Health and wellness purchases	Regular APR: 19.24%, 24.24%, or 29.24% Variable APR

*The information about the Wells Fargo Attune℠ Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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Which Wells Fargo credit card is right for you?

Although Wells Fargo's credit card portfolio isn’t as comprehensive as other issuers, it offers cards to suitably meet a variety of needs. If you’re looking for a Wells Fargo card, compare what each card offers to choose which will serve you best.

Wells Fargo offers two no-annual-fee cards with different earning structures for cash rewards:

Wells Fargo Active Cash® Card
Wells Fargo Attune℠ Card

The Active Cash consistently ranks as one of our best flat-rate cash rewards cards, offering unlimited 2 percent cash rewards on all purchases. If you’re interested in bonus cash rewards, the Attune offers a whopping unlimited 4 percent cash rewards in a variety of niche categories like self-care, impactful purchases and select sports, recreation and entertainment purchases. You’ll only earn 1 percent for all other purchases.

If you can take advantage of the Attune’s bonus categories, you might want to consider pairing the cards together to boost your cash rewards on any purchases that the Attune doesn’t cover. You can also pair these cards with a card earning Wells Fargo Rewards to combine with your travel points.

If you prefer to earn travel rewards, you can choose from two cards that earn points in the Wells Fargo Rewards program:

Wells Fargo Autograph® Card
Wells Fargo Autograph Journey℠ Card

The Autograph card doesn't charge an annual fee, but has bonus categories tailored towards everyday spending and offers a smaller welcome bonus with a reasonable spending requirement. The Autograph Journey has more travel-centric bonus categories along with a $95 annual fee. However, you can offset some of that cost with a $50 annual statement credit towards a $50 minimum airline purchase. You’ll also have the chance to earn a much higher welcome bonus to boost your balance. Both cards come with solid travel protection and no foreign transaction fees.

Our recent valuations are in line with the 1-cent-per-point base redemption value for Wells Fargo Rewards. The program offers seven travel partners to transfer points, but most competing programs offer more partners and higher redemption value. Other ways you can redeem rewards include:

Statement credits to your Wells Fargo checking account, credit card or eligible mortgage
Deposits or checks
Cash from a Wells Fargo ATM (minimum redemption of 2,000 points or $20)
Merchandise at participating merchants
Gift cards
Charitable donations
Gifts to other Wells Fargo Rewards members

Several Wells Fargo cards come with 0 percent intro APR offers for purchases or qualifying balance transfers. If you’re interested in one of these offers, you’ll need to decide if you prefer to forego earning rewards for the significantly longer term and lower rates of the Reflect card. The other cards all have the same 12-month period for purchases with the same variable APR after, while the Active Cash also includes balance transfers.

You might find the shorter-term offers better suited for you, since you can stack the purchase intro APR with the card’s rewards and welcome bonus.

Wells Fargo also offers co-branded hotel cards with One Key™ Card and Choice Privileges®. Each brand offers a no-fee and premium option:

One Key™ Card (no annual fee)
One Key+™ Card ($99 annual fee)
Choice Privileges® Mastercard® (no annual fee)
Choice Privileges® Select Mastercard® ($95 annual fee)

The One Key cards earn OneKeyCash, which you can use for bookings with Expedia, Hotels.com and VRBO. Both cards have similar bonus categories, while the premium version earns more on other purchases and offers $100 in OneKeyCash on your cardmember and anniversary and a credit for Global Entry or TSA PreCheck.

If you’re considering these cards and plan to use the rewards, you’re likely better off with the premium version, since the bonus $100 in OneKeyCash each year can offset the card’s cost.

The same principle applies to the Choice cards. If you’re considering any co-branded card, you should use the partnering program's rewards regularly. The Choice Select has higher earnings in the same bonus categories as the no-fee card and comes with a credit for Global Entry or TSA PreCheck. You’ll also get automatic Platinum elite status and 30,000 bonus points on your account anniversary.

With most properties costing between 8,000 and 35,000 points per night, you’ll easily get better value from the premium card when using your points.

Frequently asked questions about Wells Fargo credit cards

You can have multiple Wells Fargo credit cards, but the issuer has some restrictions on card eligibility:
- You may not qualify if you’ve opened a Wells Fargo credit card in the past six months.
- You are not eligible for intro APR offers or welcome bonuses on a Wells Fargo-branded card if you’ve earned a bonus or intro APR offer on another Wells Fargo card within the past 48 months. If you opened a Choice Privileges Mastercard Credit Card or a Choice Privileges Select Mastercard Credit Card within the last 15 months, you won’t be eligible for an introductory bonus rewards offer.

How we choose the best Wells Fargo credit cards

We select cards for “Best” credit cards pages based primarily on how cards score in our proprietary card rating system, our editors’ subjective assessment of card quality, card approval odds and credit requirements and unique card features.

Cards typically must score a minimum of 3.0 stars to be included on a “Best” list. However, we may include cards with scores below 3.0 if they have low credit requirements or unique features — despite their scores, these cards may still be among the “best” in certain categories. Card ratings are not influenced by advertisers or issuer relationships in any way.

Card selection and ordering may vary based on business considerations, including Bankrate visitor interest, site interactions and card application volume. Affiliate commissions (see how we make money), limited-time offers and a card’s general popularity in the product landscape may also influence which cards we feature on our pages and the order in which they appear. Bankrate’s editorial and business teams also strive to feature a variety of card types from various issuers.

Here’s a quick look at how our rating methodology breaks down for Wells Fargo cards:

Overall Score

5 stars 2%
4 - 4.9 stars 35%
3 - 3.9 stars 39%
2 - 2.9 stars 22%
1 - 1.9 stars 2%

Since many cardholders are eager to earn rewards, a key criteria for a card’s inclusion in our list is whether it offers impressive rewards value. This includes a card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we calculate its average rewards rate based on how much it earns in different bonus categories, as well as how closely those categories match the average person’s spending habits. In other words: Does the card earn rewards at a high rate in the most popular spending categories?

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2021 was $66,928 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $22,500.

This includes the following spending by category:
- Groceries: $5,200
- Dining out: $3,000
- Entertainment: $2,500
- Gas: $2,100
- Apparel and services: $1,700
Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 23 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other cards in its primary category.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Here’s a deeper look at the factors considered as part of a rewards card’s “Value” rating:
Overall rating
Pie chart with 5 slices.
End of interactive chart.

5
Rating: 5 stars out of 5

Overall Score
- Ongoing rewards value 30%
- Sign-up bonus value 25%
- Annual fee & average APR 20%
- Rewards rate 15%
- Annual bonus value 10%

Have more questions for our credit cards editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.

Best Wells Fargo credit cards for July 2025

+ Show Summary

Wells Fargo Active Cash® Card

Wells Fargo Reflect® Card

Wells Fargo Autograph® Card

Wells Fargo Autograph Journey℠ Card

Choice Privileges® Select Mastercard®

Choice Privileges® Mastercard®

One Key™ Card

One Key+™ Card

Wells Fargo Attune℠ Card