Best Wells Fargo Credit Cards of September 2025
-
Written by
Joseph Hostetler
-
Edited by
Jasmin Baron
Wells Fargo flies relatively under the radar compared to other prominent credit card issuers. The portfolio of Wells Fargo credit cards isn’t dizzying, but it’s got some altogether unique and valuable options with benefits few other banks offer.
Here’s a rundown of all Wells Fargo credit card options. We’ll help you weed out the distractions and find the best Wells Fargo credit card for you.
Quick Overview: Wells Fargo Credit Cards
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
| Cash Back |
Excellent/Good
670 – 850*
|
$0 |
Earn 2% Cash Rewards plus a $200 bonus Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Apply Now
More Details
|
|
| Intro APR |
Excellent/Good
670 – 850*
|
$0 |
Pay no interest for nearly 2 years 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR
Apply Now
More Details
|
|
| 3x Points On Top Categories |
Excellent/Good
670 – 850*
|
$0 |
Earn a welcome bonus and 1X – 3X rewards Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
Apply Now
More Details
|
|
| Travel |
Excellent/Good
670 – 850*
|
$95 |
Strong ongoing rewards, elevated travel perks, plus a bonus worth $600Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Apply Now
More Details
|
|
| One Key™ Travel |
Excellent/Good
670 – 850*
|
$0 |
Impressive ongoing rewards plus a bonus worth $300Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Apply Now
More Details
|
|
| One Key™ Travel |
Excellent/Good
670 – 850*
|
$99 |
Premium travel perks plus a bonus worth $400Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Apply Now
More Details
|
|
|
Rewards on Rent |
Excellent/Good
670-850*
|
$0 |
Charge your rent with no transaction fee
Full Review
More Details
|
Detailed Overview: Wells Fargo Credit Cards
Top Feature
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Purchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Cash Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Top Feature
Incredibly long intro APR
Purchase & Balance Transfer APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.24%, 23.74%, or 28.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Top Feature
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Purchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases, followed by a 19.24%, 24.24%, or 29.24% Variable APR. A 19.24%, 24.24%, or 29.24% Variable APR will apply for balance transfers.
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 19.24%, 24.24%, or 29.24% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Top Feature
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Purchase & Balance Transfer APR
20.24%, 25.24%, or 29.24% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Top Feature
Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Purchase & Balance Transfer APR
19.24%, 24.24%, or 29.24% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn $300 in OneKeyCash™ after you spend $1,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
- Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 1.5% in OneKeyCash on other purchases.
- $0 annual fee.
- Get Automatic Silver tier in the One Key rewards program with savings of 15% or more with Silver Member Prices on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
- No foreign transaction fees.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Top Feature
Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Purchase & Balance Transfer APR
19.24%, 24.24%, or 29.24% Variable APR
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn $400 in OneKeyCash™ after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
- Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 2% in OneKeyCash on other purchases.
- $99 annual fee.
- Get Automatic Gold tier in the One Key rewards program with savings of 20% or more with Gold Member Prices on over 10,000 hotels worldwide. Unlock Platinum when you spend $30,000 per calendar year.
- Get $100 in OneKeyCash each year upon your cardholder anniversary.
- Receive one statement credit up to $120 for a Trusted Traveler Program, such as Global Entry® or TSA PreCheck®.
- No foreign transaction fees.
** Information for the following card was not reviewed by Wells Fargo or provided by Wells Fargo
Top Feature
Earn 1x points on rent without the transaction fee.
Purchase & Balance Transfer APR
See Terms
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Earn 1x points on rent without the transaction fee, up to 100,000 points in a calendar year. When you use the card 5 times each statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying net purchases.
Card Details From Issuer
- $0 Annual Fee
- Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
- Earns 3x points on dining
- Earn 2x points on travel
- Earn 1x points on other purchases
- Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
- Use the card 5 times each statement period to earn points
- Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
- Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
- Select “Apply Now” to learn more about the product features, terms, and conditions
- See Rates & Fees
How To Choose the Best Wells Fargo Credit Card for You
Again, Wells Fargo doesn’t have the vast selection of cards that you’ll find with competitors like Chase and American Express, but there are enough to make the selection process a bit frustrating. Here are four things to consider when hunting for the perfect Wells Fargo card for your lifestyle.
Investigate Your Credit Score
Before you fall in love with any Wells Fargo credit card, check your credit score. You should have at least a good credit score (670 or higher on FICO’s scale) to court a Wells Fargo card.
We recommend that you wait until your score is at least 700 before you apply. This will give you the best chance to be approved.
Decide What Value You’re Trying To Add to Your Finances
Wells Fargo credit cards serve vastly different purposes. What do you want yours to accomplish?
If travel is in your future, you may prioritize a card that waives foreign transaction fees. Or maybe you’re looking for shelter from credit card debt with a card offering 0% intro APR. Wells Fargo also issues high-earning cash-back and travel rewards credit cards. The best card depends entirely on your goals.
Identify Your Spending Habits
A strength of Wells Fargo credit cards is their practical bonus categories. From thrift stores to pet shops to restaurants and grocery stores, choose a card that aligns with your everyday expenses. Optimizing your spending in this way can result in many thousands of extra points each year.
Compare Credit Card Benefits With the Annual Fee
If you’re considering a Wells Fargo credit card with an annual fee, ask yourself if you’ll get more value from the card’s ongoing benefits than you’ll pay in fees. If the answer is yes, the card is a good deal.
Pros and Cons of Wells Fargo Cards
Still unsure about whether Wells Fargo is the best issuer for your needs? Here are its biggest advantages and disadvantages.
Pros
- Some of the best cell phone insurance across most credit cards
- Competitive return for everyday purchases
- Generous intro APR options
Cons
- Comparatively few credit cards to choose from
- Generally doesn’t serve those with limited or poor credit history
- Lacks a top-tier premium rewards credit card
Wells Fargo Credit Card Benefits
The majority of Wells Fargo credit cards share a few common benefits. These include:
- Cell phone insurance: Wells Fargo does cell phone insurance better than just about anyone else. Coverage is high, and deductibles are low. For example, the no-annual-fee Wells Fargo Active Cash Card offers up to $600 in cell phone protection against damage or theft (maximum two claims per 12-month period) with just a $25 deductible.
- Zero liability protection: If your card is lost or stolen, you won’t be responsible for covering unauthorized charges as long as you report the loss in a reasonable amount of time.
- My Wells Fargo Deals. You can add customized deals to your card via your online account to help you save money on everyday purchases.
You’ll only find the most valuable benefits on select Wells Fargo credit cards. Here are some highlights:
- TSA PreCheck or Global Entry credits: You can speed through domestic airport security checkpoints with a dedicated lane and a less invasive screening process. Cards like the One Key+ Card offer this.
- Annual travel credits and points: Choice Privileges® Select Mastercard®** cardholders receive a bonus 30,000 points each cardmember anniversary. And the Wells Fargo Autograph Journey Card comes with a $50 annual statement credit with a $50 minimum airline purchase.
- Extended 0% intro APR offers: Wells Fargo offers some of the lengthiest interest-free periods available. The Wells Fargo Reflect Card comes with a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 23.74%, or 28.99% Variable APR.
- Waived convenience fees on rent payments: With the Bilt Mastercard, you can earn travel rewards when paying rent with most rental properties in the U.S. — without any credit card processing fees. These fees are typically between 1% and 3%, so this is a huge win for renters.
- Elite status: You’ll get automatic hotel elite status with certain Wells Fargo cards. For example, the Choice Privileges® Mastercard® comes with Gold status, giving you bonus points on paid stays, room upgrades when available and late checkout.
- Fixed return rate: You may find bonus spending categories to be a headache. The Active Cash Card benefits those who would prefer to get the same respectable 2% cash rewards rate on all purchases — no bonus category juggling necessary.
Alternatives To Consider
Wells Fargo doesn’t issue nearly as many credit cards as its most popular competitors, meaning you may very well not see a card that tickles you. In this case, take a look at the cards offered by these banks, instead:
- Chase credit cards: If you’re just beginning your credit journey, Chase offers the Chase Freedom Rise®, which is designed for those with no credit history. If your credit is established, you can find top-notch travel credit cards that are more impressive than anything Wells Fargo has to offer.
- American Express cards: Amex (an advertising partner) specializes in premium travel credit cards. It’s also got a slew of small business cards to choose from.
- Capital One credit cards: Capital One offers terrific credit cards tailored for students and those who are trying to rebuild credit. It issues solid travel credit cards, as well.
How To Apply for a Wells Fargo Card
After you’ve found your Wells Fargo-branded glass slipper, applying is easy. Here’s what to expect:
- Head to the Wells Fargo website (or drive to a branch if you’ve got one handy).
- Give Wells Fargo some personal details, such as your Social Security number, annual income, mailing address and date of birth.
- Submit your application. At this stage, your credit report will undergo a hard credit inquiry as Wells Fargo views your credit profile to decide if you’re creditworthy enough for an approval.
- If you’re not immediately approved due to a pending or declined application, it could be worth calling Wells Fargo reconsideration to ask if you can provide any additional information. The bank may push your application through after you clear up some questions.
** Information for the Bilt Mastercard®**, Choice Privileges® Select Mastercard®** , Signify Business Cash® Card, Chase Freedom Rise® and Wells Fargo Attune World Elite Mastercard® was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for these products.
Frequently Asked Questions About Wells Fargo Cards
What is the best credit card with Wells Fargo?
The best credit card with Wells Fargo depends on your specific financial goals. Each card is good at different things. In terms of benefits and rewards, the Wells Fargo Autograph Journey Card can perhaps be considered the “best” credit card Wells Fargo issues.
What FICO score do you need for a Wells Fargo credit card?
Wells Fargo doesn’t offer cards geared to those with limited or poor credit history. For this reason, your best chance at approval is a FICO score of 670 or above.
Which Wells Fargo business credit card is the best?
Wells Fargo only issues one traditional business card — the Signify Business Cash® Card. It’s a no-annual-fee card that earns unlimited 2% cash rewards on purchases.
Is Wells Fargo better than Chase?
Wells Fargo is better than Chase when it comes to lengthy 0% intro APR offers. Some of its cards, such as the Wells Fargo Attune World Elite Mastercard®, also offer uncommon bonus spending categories that you won’t find with Chase cards. However, Chase issues considerably more credit card options with superior benefits in certain cases.
How Do Our Critics Evaluate the Cards?
All of the credit cards featured on CardCritics™ are assessed using the same criteria. Our critics evaluate fees, interest rates, balance transfer options, introductory bonuses, rewards, additional benefits and the average credit score required for approval.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.