Credit Cards From Wells Fargo
Purchase APR
0% intro APR for 12 months from account opening on purchases, then 18.49%, 24.49%, or 28.49% Variable APR
Balance Transfer APR
18.49%, 24.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1X – 3X Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
Welcome Bonus
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

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Critics' Overview
This rewards card from Wells Fargo offers a seriously impressive lineup of benefits, especially for a card without an annual fee. You can earn 20,000 bonus points (a $200 cash redemption value) when you spend $1,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 3X points at restaurants, gas stations and on travel, transit and popular streaming services. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Review to learn more.
Purchase APR
0% intro APR for 12 months from account opening on purchases, then 18.49%, 24.49%, or 28.49% Variable APR
Balance Transfer APR
18.49%, 24.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
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. 18.49%, 24.49%, or 28.49% 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.
Apply Now
On Wells Fargo's Secure site
Purchase APR
0% intro APR for 12 months from account opening on purchases, then 18.49%, 24.49%, or 28.49% Variable APR
Balance Transfer APR
0% intro APR for 12 months from account opening on qualifying balance transfers, then 18.49%, 24.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Cash Rewards
2% Earn unlimited 2% cash rewards on purchases.
Welcome Bonus
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

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Critics' Overview
If you are looking for a flat-rate cash rewards card that also offers an intro APR on purchases and qualifying balance transfers then this card is a great option. You will pay no annual fee, can earn an intro bonus and protect your cell phone from damage or theft. Read our in-depth Review to learn more.
Purchase & Balance Transfer APR
0% intro APR for 12 months from account opening on purchases and on qualifying balance transfers, then a 18.49%, 24.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
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. 18.49%, 24.49%, or 28.49% 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.
Apply Now
On Wells Fargo's Secure site
Purchase APR
0% intro APR for 21 months from account opening on purchases, then 17.49%, 23.99%, or 28.24% Variable APR
Balance Transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.49%, 23.99%, or 28.24% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*

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Critics' Overview
This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card. Read our in-depth Review to learn more.
Purchase & Balance Transfer APR
0% intro APR for 21 months from account opening on purchases and on qualifying balance transfers, then a 17.49%, 23.99%, or 28.24% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
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. 17.49%, 23.99%, or 28.24% 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.
Apply Now
On Wells Fargo's Secure site
Purchase APR
19.49%, 25.49%, or 28.49% Variable APR
Balance Transfer APR
19.49%, 25.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1X – 5X Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
Welcome Bonus
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

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Critics' Overview
This travel card from Wells Fargo offers a seriously impressive lineup of features and benefits, especially for a card with a low annual fee. You can earn 60,000 bonus points ($600 toward your next trip) when you spend $4,000 in purchases in the first 3 months. Your ongoing rewards can add up quickly as well since you earn 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel. There are no category limits to worry about and you can earn 1X points on your other purchases. Read our in-depth Review to learn more.
Purchase & Balance Transfer APR
19.49%, 25.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
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 with hotels, 4X points with airlines, 3X points on restaurants and other travel, 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.
Apply Now
On Wells Fargo's Secure site
Purchase APR
18.49%, 23.49%, or 28.49% Variable APR
Balance Transfer APR
18.49%, 23.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
1.5% – 3% 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.
Welcome Bonus
Limited Time Offer: 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.

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Critics' Overview
The One Key™ Card is an excellent option if you are looking for elevated travel rewards as well as rewards on everyday purchases. You can earn a welcome bonus and protect your cell phone from damage or theft (subject to a $25 deductible). Read our in-depth Review to learn more.
Purchase & Balance Transfer APR
18.49%, 23.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Limited Time Offer: 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.
Apply Now
On Wells Fargo's Secure site
Purchase APR
18.49%, 23.49%, or 28.49% Variable APR
Balance Transfer APR
18.49%, 23.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good
670 – 850*
Rewards
2% – 3% 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.
Welcome Bonus
Earn $350 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.

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Critics' Overview
The One Key+™ Card is an excellent option if you are looking for elevated travel rewards as well as rewards on everyday purchases. For a low annual fee, you can earn an intro bonus, receive statement credits toward travel, and protect your cell phone from damage or theft (subject to a $25 deductible). Read our in-depth Review to learn more.
Purchase & Balance Transfer APR
18.49%, 23.49%, or 28.49% Variable APR
Recommended Credit Score
Excellent/Good (670 – 850*)
Card Details From Issuer
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn $350 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.
Apply Now
On Wells Fargo's Secure site
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.