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Best Wells Fargo credit cards for December 2024

Updated December 23, 2024

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Showing 9 results

Best overall

Wells Fargo Active Cash® Card

Bankrate score

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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

$200 cash rewards

Rewards rate

2%

Annual fee

$0

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

Best for balance transfers

Wells Fargo Reflect® Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
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4.3
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Balance transfer intro APR

0% intro APR for 21 months from account opening on qualifying balance transfers

Regular APR

17.49%, 23.99%, or 29.24% Variable APR

Rewards rate

N/A

Annual fee

$0

Best for rewards category variety

Wells Fargo Autograph℠ Card

Bankrate score

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4.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

20,000 bonus points

Rewards rate

1X - 3X

Annual fee

$0

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

Best for travel

Wells Fargo Autograph Journey℠ Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
4.0
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

60,000 bonus points

Rewards rate

1X - 5X

Annual fee

$95

Regular APR

20.49%, 25.49%, or 29.49% Variable APR

Best for expedited security screening

Choice Privileges® Select Mastercard®

Bankrate score

star iconstar iconstar iconstar iconstar icon
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3.5
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

60,000 bonus points

Rewards Rate

1X points - 10X points

Annual fee

$95

Regular APR

20.24%, 24.49%, or 29.49% Variable APR

Best for household expenses

Choice Privileges® Mastercard®

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.4
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

40,000 bonus points

Rewards Rate

1X - 5X

Annual fee

$0

Regular APR

20.24%, 24.49%, or 29.49% Variable APR

Best for travel sites

One Key™ Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.6
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

Earn $300 in OneKeyCash™

Rewards Rate

1.5% - 3%

Annual fee

$0

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

Best for One Key fans

One Key+™ Card

Bankrate score

star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon
3.8
Bankrate review
Recommended credit score:(670 - 850)
Apply nowLock

on Wells Fargo's secure site

See Rates & Fees

Intro offer

Earn $400 in OneKeyCash™

Rewards Rate

2% - 3%

Annual fee

$99

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

Best for health and wellness

Wells Fargo Attune℠ Card

Wells Fargo Attune℠ Card

Bankrate score

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3.6
Bankrate review
N/A

Intro offer

$100 cash rewards

Rewards rate

1% - 4%

Annual fee

$0

Regular APR

19.49%, 24.49%, or 29.49% Variable APR

Why you'll like this: You’ll earn robust rewards on many purchases that don’t earn bonuses elsewhere.

compare
Compare

Compare Bankrate's best Wells Fargo credit cards

Card Name Our pick for APR Bankrate Review Score

Cash rewards  + Best overall

Regular APR: 19.49%, 24.49%, or 29.49% Variable APR

4.3 / 5

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(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site

Balance transfers

Regular APR: 17.49%, 23.99%, or 29.24% Variable APR

4.3 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site
Rewards category variety
Regular APR: 19.49%, 24.49%, or 29.49% Variable APR

4.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site

Travel

Regular APR: 20.49%, 25.49%, or 29.49% Variable APR

4.0 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site
Expedited security screening 
Regular APR: 20.24%, 24.49%, or 29.49% Variable APR

3.5 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site
Household expenses 
Regular APR: 20.24%, 24.49%, or 29.49% Variable APR

3.4 / 5

Info Icon
(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site

Travel sites 

Regular APR: 19.49%, 24.49%, or 29.49% Variable APR

3.6 / 5

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(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site

One Key fans

Regular APR: 19.49%, 24.49%, or 29.49% Variable APR

3.8 / 5

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(Read card review)
Apply now Lock Icon
on Wells Fargo's secure site
Image of Wells Fargo Attune℠ Card
Wells Fargo Attune℠ Card

Health and wellness purchases

Regular APR: 19.49%, 24.49%, or 29.49% 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.

Expert advice for Wells Fargo cards

Wells Fargo provides various benefits to its cardholders. Here’s our expert advice on making the most of a Wells Fargo credit card and what you need to know about its rewards.

Pros and cons of Wells Fargo credit cards

Pros

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    Dominant presence: Because Wells Fargo has more than 5,000 branches and around 11,000 ATMs, you can redeem cash rewards using the Active Cash card (in increments of $20) at numerous locations.

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    Cell phone protection: Some Wells Fargo credit cards offer cell phone protection of up to $600 for damage or theft when you pay your cell phone bill with a qualifying card ($25 deductible).

  • Checkmark Icon

    Intro APR: Several Wells Fargo cards offer intro APRs for balance transfers, purchases, or both, making them good options if you want to save on interest.

Cons

  • Fewer card options: Wells Fargo currently offers very few credit cards. If you’re interested in comparing offers, you may be better off with a different issuer.

  • Not ideal for travelers: Wells Fargo offers fewer travel transfer partners than competing programs and only 1 cent per point in base redemption value (versus 1.25 cents or more with some Chase Ultimate Rewards Cards).

Tips on choosing the best Wells Fargo credit card

When choosing a Wells Fargo credit card, consider the following:

  • Understand your approval odds: Wells Fargo credit cards typically require good to excellent credit, which is a score of 670 and higher on the FICO scale. If your credit score is below the recommended range, you may consider cards available for fair credit from other issuers.
  • Decide if you want a welcome or intro APR offer: Not all Wells Fargo credit cards offer an extra windfall of cash rewards after you spend a required amount within a specific timeframe. ntro APR and welcome offers provide a lot of incentives for opening new credit cards. If Wells Fargo doesn’t meet your needs in this area, you could also explore the best credit card sign-up bonuses and intro APR offers.
  • Consider the rewards offered: Wells Fargo reward programs suit most people. While the Active Cash consistently ranks among our best flat-rate cash back cards, the Autograph cards offer a solid set of bonus categories that can earn elevated rewards if they fit your spending needs.

Bankrate’s experience with Wells Fargo cards

Bankrate credit card writers and editors don’t just give expert advice for credit cards, we put it into action. Here, Re’Dreyona Walker, a Bankrate Editor, details her personal experience with Wells Fargo and what keeps the issuer in her wallet. 

“I appreciate the convenience and accessibility of Wells Fargo's online banking platform. I’m able to manage my account and monitor my transactions seamlessly. Additionally, the Wells Fargo Active Cash Card offers a competitive unlimited cash rewards program, which aligns well with my spending habits and allows me to maximize my earnings on everyday purchases. 

I have only encountered occasional issues with customer service, particularly in resolving certain billing inquiries or fraudulent activity on my account. While not a deal-breaker, it can make the support experience less satisfactory. But, overall, I have enjoyed using the Active Cash Card, and becoming a Wells Fargo cardholder has been a good investment.”

Re’Dreyona Walker, Editor, Credit Cards

Expert advice for maximizing Wells Fargo cards

Although Wells Fargo's credit card benefits aren't as extensive as some issuers’, they’re still useful for the average credit cardholder. Familiarize yourself with Wells Fargo's card benefits to take full advantage of them when necessary.

  • Badge Icon

    Use Wells Wells Fargo credit card benefits

    Although Wells Fargo's credit card benefits aren't as extensive as some, they’re still useful for the average person. Get familiar with Wells Fargo's card benefits to take full advantage of them when needed. Here’s each perk at a glance:  

    • Cell phone protection: If you pay your cell phone bill with your Wells Fargo cards, your phone is protected against damage and theft for up to $600 twice per year, with a $25 deductible for each claim. 
    • Travel benefits: Wells Fargo cards offer solid travel protections and benefits, with its travel-centric cards providing the most robust coverage. Consider these benefits when deciding which card works best:
      • Auto rental damage collision waiver
      • Roadside dispatch
      • Travel and emergency assistance services
      • Emergency cash disbursement and card replacement
      • Travel accident insurance
      • Lost baggage reimbursement
      • Trip cancellation and interruption protection
      • Statement credit for Global Entry or TSA PreCheck
    • Credit Close-Up℠ and zero fraud liability: Wells Fargo cards come with Credit Close-Up, a free program that helps you track your FICO credit score. You’ll receive monthly updates with your FICO credit score and personalized credit insights. You’ll also have zero fraud liability protection.
  • Money Bag Icon

    Learn how to use Wells Fargo rewards

    The Wells Fargo rewards program is a great way to earn cash rewards or points on your purchases and redeem them for gift cards, Apple products, travel, merchandise and more. You’re automatically enrolled in a Wells Fargo Rewards account when you have an eligible Wells Fargo rewards card, and you can access your account summary by signing in online or using the mobile app. You can also combine cash rewards with points you earn from a card that rewards Wells Fargo Rewards points.

    Other ways you can redeem rewards include:

    • Purchases you’ve already made in the form of statement credits to your account
    • In-person in $20 increments using your Wells Fargo debit or ATM card at any Wells Fargo branch. 
    • Natural disaster relief, such as the American Red Cross.
    • Pay with rewards through PayPal
    • Transfer to travel partners if you have either of the Autograph cards, which include: Aer Lingus AerClub, Air France-KLM Flying Blue, Avianca LifeMiles, Choice Privileges, British Airways Executive Club, Iberia Plus 

What people are saying about Wells Fargo credit cards

Cardholders on Reddit and other online forums have a generally favorable opinion of Wells Fargo credit cards because of the issuer’s rewards programs, ease of use and additional benefits. Wells Fargo’s cash and travel rewards cards are among the cards most mentioned, especially the Wells Fargo Active Cash® Card and the Wells Fargo Autograph℠ Card.

One user on Reddit describes the Active Cash card as “a great all-rounder,” noting that Wells Fargo had removed a minimum redemption restriction of $25 early in 2023. According to this user the card is now an “easy card to get quick [rewards] with.” 

Since mid-2023 (when this comment was made) the Active Cash has grown in popularity on Bankrate, garnering 25 percent more clicks on our site. Although this doesn’t necessarily indicate the $25 minimum was a deal-breaker for people, it does show that Wells Fargo’s changes are making the card more appealing.

The Wells Fargo Autograph Card is also mentioned as a good option for occasional travelers, specifically because you can pool points between the Active Cash and the Autograph:

Yes, the Wells Fargo Active Cash is probably the best 2% [cash rewards] card right now, since it comes with a $200 [cash rewards bonus after spending $500 within the first three months].

I just got the Wells Fargo Autograph as well...it's a good travel card for people who don't travel enough to justify a card with an annual fee.

Reddit User

While Wells Fargo cards are considered to have an easy-to-use reward-earning process, some cardholders have reported issues with redeeming rewards or navigating their rewards program, which frustrated one user to the point of canceling their card.

I canceled my [Wells Fargo] Autograph card since I wasn't impressed with the online interface ... Also I didn't like [the redemption process], I felt I went back in time when comparing to Amex and Chase. Also hated the $25.00 min redemption limit and I also hated the pay with points to get round the $25.00 min redemption. Long story short: Card didn't work for me so I canceled it.

Reddit User

* The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Our Data: Wells Fargo’s credit card glow-up

Wells Fargo went back to the drawing board and began revamping its card portfolio, starting with the launch of the Wells Fargo Active Cash® Card. The card is a clear upgrade over the now-discontinued Cash Wise Visa. The bonus and perks it offers on top of its rewards rate made it arguably the best flat-rate cash rewards card on the market. 

According to our internal data, this was a turning point for the issuer. The Active Cash launched about halfway through 2021, but in that time, it garnered more than double the attention from our readers than the Cash Wise Visa. And its popularity continues to grow throughout 2024, with a 25 percent increase in views over 2023’s numbers.

Since launching the Active Cash, Wells Fargo has released several other quality cards which have become top contenders in their respective card categories. If Wells Fargo wasn’t on your radar before, now is the time to give them a look.

Here’s a look at the percentage of Bankrate visitors who clicked to learn more about the Cash Wise Visa versus the Active Cash after visiting one of our pages:

Frequently asked questions about Wells Fargo credit cards

How we assess the best Wells Fargo credit cards

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250+
cards rated
Congrats Icon
50+
rewards programs valued
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5000
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

When evaluating the best credit cards from Wells Fargo, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from earning rewards to scoring a large sign-up bonus to saving on interest. 

Our rating database covers over 250 of the most popular credit cards, allowing us to compare the quality of various Wells Fargo cards to each other and to cards in the same category from other issuers. We scored each card based on the factors most relevant to its primary category, including its rewards rate, estimated annual earnings, intro APR period, ongoing APR, perks and more to determine whether it belonged in this month’s roundup. 

Here’s a look at how our card ratings are distributed as of August 2024, as well as some of the key factors that we considered in selecting this month’s best Wells Fargo cards.

5
Rating: 5 stars out of 5
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%

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