Wells Fargo Credit Cards: Best and Latest Offers [August 2022]

Wells Fargo credit cards offer high-value rewards on everyday purchases. See which one suits you best.
Last updated Aug. 1, 2022 | By Ben Walker, CEPF

FinanceBuzz is reader-supported. We may receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies.

As a well-known U.S.-based bank, Wells Fargo offers many traditional banking services. This includes checking and savings accounts, credit cards, investment solutions, and personal loans. For its credit cards, you can choose between various selections of the best travel credit cards and the best cash rewards cards.

If you’re interested in applying for a new Wells Fargo credit card, consider these excellent options.

In this article

Latest Wells Fargo personal card offers

Intro Offer

$200 cash rewards bonus after spending $1,000 in the first 3 months

Annual Fee

$0

Rewards Rate

2% cash rewards on eligible purchases

Why We Like It

If you love earning cash rewards but prefer to avoid the hassle of tracking spending categories, the Wells Fargo Active Cash® Card could be a good option for you. Cardmembers earn unlimited 2% cash rewards on eligible purchases.

This card also offers a 0% intro APR on qualifying balance transfers and purchases for 15 months from account opening on qualifying balance transfers and purchases, then 17.24%, 22.24%, or 27.24% variable. Those looking for straightforward rewards and an introductory APR will likely find value in this card.

Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; 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
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions

Intro Offer

Benefit from a long introductory APR period that could be extended by making the minimum payments on time each month

Annual Fee

$0

Why We Like It

The Wells Fargo Reflect℠ Card is a straightforward credit card that has a long introductory APR on purchases and balance transfers. If approved, you get 18 months of intro APR from account opening, but you may also qualify for an additional 3-month extension after that. Following the intro period, your balance will be subject to the regular APR.

With this card, you can also 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 it.

Card Details
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 15.24% to 27.24% 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
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.
  • Select “Apply Now” to learn more about the product features, terms and conditions

Intro Offer

Earn 30,000 bonus points after spending $1,500 in purchases in the first 3 months - that's a $300 cash redemption value

Annual Fee

$0

Rewards Rate

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Why We Like It

The  is a great all-round rewards card to have in your wallet. The reward categories match up with popular spending categories and the welcome bonus is strong, especially for a no-annual fee card. 

Other valuable benefits include cell phone protection, an intro APR on purchases, and flexible redemption options. Redeem your rewards points for travel, gift cards, or statement credits.

Card Details
  • Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 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. 17.24%, 22.24%, or 27.24% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (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.
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select "Apply Now" to learn more about the product features, terms and conditions.

Hotels.com® Rewards Visa® Credit Card

Hotels.com® Rewards Visa® Credit Card

Hotels.com® Rewards Visa® Credit Card

Intro Offer

Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months (plus, limited time offer, get another reward night worth $125 when you spend $4,000 on purchases in the first 6 months.) *Excludes taxes and fees. If a night costs less than $125, you won't get the difference.

Annual Fee

$0

Rewards Rate

1 stamp each time you spend $500 on purchases with your card and 1 stamp for every night you stay at any eligible property booked on Hotels.com; collect 10 stamps, get 1 reward night

Why We Like It

The Hotels.com Rewards Visa Credit Card is a great option for people who already book hotel stays through Hotels.com and are looking to earn award nights more quickly. 

This card earns you 1 stamp each time you spend $500 on purchases and 1 stamp for every night booked at an eligible property on Hotels.com. Once you earn 10 stamps, you can book a night through Hotels.com.

You will also enjoy Silver status as long as the card remains open. This gets you breakfast, airport transfers, WiFi, and more at selected Hotels.com properties.

Card Details
  • Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months (plus, limited time offer, get another reward night worth $125 when you spend $4,000 on purchases in the first 6 months.) *Excludes taxes and fees. If a night costs less than $125, you won't get the difference.
  • 1 stamp each time you spend $500 on purchases with your card and 1 stamp for every night you stay at any eligible property booked on Hotels.com; collect 10 stamps, get 1 reward night

Latest Wells Fargo business card offers

Wells Fargo Business Platinum Credit Card

Wells Fargo Business Platinum Credit Card

Wells Fargo Business Platinum Credit Card

Intro Offer

Earn $300 or 30,000 points after spending $3,000 in the first 3 months

Annual Fee

$0

Rewards Rate

1.5% cash rewards per dollar spent, or earn 1 point per dollar spent and receive 1,000 bonus points each month you spend more than $1,000

Why We Like It

The Wells Fargo Business Platinum Credit Card is a flexible credit card that lets business owners choose between earning cash rewards or points on purchases. 

It offers flat-rate rewards. Earn 1.5% cash rewards per dollar spent or 1 point per dollar spent, and receive 1,000 bonus points each month you spend more than $1,000.

Cardholders also enjoy no annual fee and a 9-month 0% introductory APR period on purchases and balance transfers.

Card Details
  • Earn $300 or 30,000 points after spending $3,000 in the first 3 months
  • 1.5% cash rewards per dollar spent, or earn 1 point per dollar spent and receive 1,000 bonus points each month you spend more than $1,000
  • Intro purchase 0% APR offer: 0% for 9 months then 7.99% + prime rate to 17.99% + prime rate
  • Intro balance transfer 0% APR offer: 0% for 9 months then 7.99% + prime rate to 17.99% + prime rate

Wells Fargo Business Secured Credit Card

Wells Fargo Business Secured Credit Card

Wells Fargo Business Secured Credit Card

Intro Offer

You choose your preferred rewards program

Annual Fee

$0

Rewards Rate

1.5% cash rewards per dollar spent, or earn 1 point per dollar spent and receive 1,000 bonus points each month you spend more than $1,000

Why We Like It

The Wells Fargo Business Secured Credit Card is a decent option for business owners interested in building their credit.

Cardholders get to choose their rewards. Earn 1.5% cash rewards per dollar spent or 1X points per dollar spent, and receive 1,000 bonus points each month you spend more than $1,000.

This card offers a credit limit of up to $25,000, and with responsible use, business owners can upgrade to an unsecured credit card over time. 

Card Details
  • You choose your preferred rewards program
  • 1.5% cash rewards per dollar spent, or earn 1 point per dollar spent and receive 1,000 bonus points each month you spend more than $1,000

What is Wells Fargo?

Wells Fargo was founded in 1852 in San Francisco as a fast-delivering banking company that connected cities and states all over the American West with its stagecoach lines. As more modern means of transportation such as the railroad and steamship helped facilitate growth, Wells Fargo’s business operations eventually expanded to New York and other parts of the northeastern United States.

Today, Wells Fargo serves more than 70 million customers with over 7,000 branch locations and more than 13,000 ATMs. Wells Fargo online services provide helpful financial management products and tools for over 30 million active digital users.

Wells Fargo offers traditional banking products like savings and checking accounts. In addition, Wells Fargo credit card options can easily fit your lifestyle needs, whether you’re a frequent traveler or looking for bonus rewards on common expenses. You can also use Wells Fargo loan services for mortgage loans, auto loans, student loans, and more. If you need investing help, Wells Fargo has you covered with its individual retirement account and mutual fund services.

With over 250,000 employees, Wells Fargo is a major force within the financial industry. At over $85 billion in total revenue for 2019, it’s easy to see why.

What are the different types of Wells Fargo credit cards?

Wells Fargo offers both personal and business credit cards to suit your financial needs. There’s something for everyone, so you can choose the one that best fits your lifestyle.

Wells Fargo personal credit cards

Depending on your spending habits, you may be interested in a certain type of credit card. Wells Fargo credit cards provide different types of benefits and rewards, so it’s easy to find the right one for you. Choose between cash rewards cards, travel cards, and no annual fee cards.

Wells Fargo cash rewards cards

Cash rewards cards are great if you want to pay less for purchases you were going to make anyway. With the best cashback credit cards, you earn valuable rewards on every purchase, so it’s like getting a discount on everything you buy. Some also offer a cash rewards bonus after you spend a certain amount.

Wells Fargo cash rewards can be redeemed in the way that makes the most sense for you. Get cash redemptions at Wells Fargo ATMs, get a direct deposit to your Wells Fargo bank account, or even apply them toward your Wells Fargo mortgage principal balance.

Wells Fargo offers these cash rewards cards:

Wells Fargo travel cards

Travelers love using travel rewards credit cards because they help offset the cost of their adventures. The best travel credit cards offer generous welcome bonuses, no foreign transaction fees, plus added perks like cell phone protection and auto rental insurance.

Wells Fargo offers the Hotels.com® Rewards Visa® Credit Card (Rates and fees), which earns stamps that can be collected and used toward hotel rewards nights when booked through Hotels.com.

Wells Fargo 0% APR credit cards

A 0% APR credit card with an introductory offer on balance transfers or purchases could be useful for those paying down credit card debt or making a large purchase. This type of card gives you a set period to pay off your balance without incurring interest charges, which can be helpful for managing your finances.

The Wells Fargo Reflect® Card (Rates and fees) gives cardholders a 0% intro APR on new purchases for up to 21 months from account opening from account opening (then 15.24% - 27.24% variable) and a 0% intro APR on balance transfers for up to 21 months from account opening on qualifying balance transfers (then 14.49%-26.49% variable). It comes with a balance transfer fee of 3% for 120 days from account opening, then up to 5%; min: $5. This is comparable to the fee with most balance transfer cards. 

No annual fee Wells Fargo cards

No annual fee cards often provide the best value for many cardholders because there’s no annual cost to worry about. Without an annual fee, there’s no stressing about earning enough rewards to offset the cost of card ownership.

Instead, every reward you earn with a no annual fee card is a bonus. A Wells Fargo no annual fee card immediately provides you with value upon making your first purchase. The best no annual fee credit cards even offer additional perks and benefits to increase their value.

Wells Fargo offers these no annual fee cards:

Wells Fargo business credit cards

Wells Fargo offers a selection of business cards to help enhance your small business experience. These cards can assist you in separating your business expenses from personal expenses, which is essential for any business to thrive.

The best business credit cards also provide useful benefits to help you run your business. These often come in the form of valuable cash rewards on your business purchases.

Wells Fargo offers these business credit cards:

How does Wells Fargo compare to other credit card companies?

Wells Fargo has established itself as a leading bank within the U.S. financial industry. With millions of customers and billions in annual revenue, it’s hard to argue the impact the California-based company has made since its inception.

But how does Wells Fargo compare to other large companies like Bank of America, Chase, and U.S. Bank? Here, we’ll look at the services each of these companies offer and how they stack up against Wells Fargo.

Wells Fargo vs. Bank of America

Wells Fargo and Bank of America are both recognized and respected banking institutions within the U.S. They provide similar services, such as bank accounts, credit cards, and loans. Credit cards from both companies typically use the Visa or Mastercard payments networks, so they’re widely accepted around the world.

Overall, Wells Fargo edges Bank of America in company size. Wells Fargo has more than 250,000 employees, whereas Bank of America is slightly smaller with just over 200,000 employees. Still, they’re both massive and well-known companies within their industries.

Wells Fargo vs. Chase

Similar to Wells Fargo, Chase also offers banking services like checking and savings accounts, investment opportunities, credit cards, and loans. Chase credit cards use both Visa and Mastercard to process transactions, which is the same for most of Wells Fargo’s cards. This makes it easy to use cards from either company around the world.

Both Chase and Wells Fargo employ more than 250,000 workers, so they’re equally large companies.

Wells Fargo vs. U.S. Bank

U.S. Bank provides services such as bank accounts, credit cards, and loans, which is the same as Wells Fargo. Credit cards from both companies mainly use Visa And Mastercard to process transactions. Visa and Mastercard are the most widely accepted cards in the world, so these are the best payments networks to be on.

In terms of company size, Wells Fargo wins out. U.S. Bank has over 70,000 employees, but Wells Fargo has more than 250,000 employees.

Which Wells Fargo credit card should you choose?

If you want to choose the best Wells Fargo credit card for your wallet, review your spending habits and financial goals to see which card makes the most sense. The best credit card for one person may not be the best card for someone else, as it depends on everyone’s unique situation.

For great rewards-earning on purchases you make every day, a cash rewards credit card likely provides the best value. These cards typically don’t come with annual fees and they make it easy to earn rewards on your daily purchases.

With the Wells Fargo Active Cash® Card, you earn 2% cash rewards on eligible purchases. Earning a rate like this is simple and straightforward, which suits most people.

If you’re more interested in travel rewards, a travel credit card could be the ideal option. The Hotels.com Rewards Visa credit card offers a generous welcome bonus: Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months (plus, limited time offer, get another reward night worth $125 when you spend $4,000 on purchases in the first 6 months.) *Excludes taxes and fees. If a night costs less than $125, you won't get the difference.. This can be useful for offsetting your travel costs.

As you read through the available Wells Fargo credit card options, look for one that best aligns with what you want in a credit card.

FAQs about Wells Fargo credit cards

Which Wells Fargo credit card is best?

The best Wells Fargo credit card for you won’t necessarily be the best card for someone else. It depends on what you hope to accomplish with a new credit card. If you’re looking for rewards on everyday purchases, a cash rewards card may be your best bet. For hotel stays, a travel rewards card makes sense. Wells Fargo offers a variety of cards to choose from, so consider the benefits of each one to find the best credit card for you.

Which Wells Fargo credit card is easiest to get?

Secured and student credit cards don’t typically have as high of credit requirements for you to be approved, so it’s likely easier to qualify for these types of cards. Currently, Wells Fargo offers the Wells Fargo Business Secured Credit Card.

What credit score does Wells Fargo require?

Most Wells Fargo credit cards require a good or excellent FICO credit score for approval. Good scores start around 670, and excellent credit is at 800 and above.

If you have good or better credit, the Wells Fargo Active Cash Card could be a good choice for earning easy cash rewards without having to pay attention to rotating rewards categories.

Does Wells Fargo do a hard credit pull?

Most credit card issuers, including Wells Fargo, will generate a hard credit pull when you apply for a new credit card account, which can cause your FICO score to drop by a few points. This is a common practice and occurs so a company can see your credit history and decide whether it should offer you a credit line.

How long does it take to get approved for a Wells Fargo credit card?

Wells Fargo online credit card applications typically take a few minutes or less to process, and you’ll often get an immediate decision once you’ve submitted the form. If no immediate decision is made, you may have to wait seven to 10 days for an answer in the mail. The answer could be your new card delivered to your mailbox.

Which Wells Fargo cards are no longer open to new applicants?

In 2021, Wells Fargo made some changes to its credit card lineup. In the past, it offered a wider selection of cash rewards and travel cards, including the following:

  • Wells Fargo Cash Wise Visa Card: Offered perks like an easy-to-earn sign-up bonus, flat rewards structure, and an introductory APR offer.
  • Wells Fargo Propel American Express Card: Offered perks like an intro APR on purchases and balance transfers, the opportunity to earn Go Far Rewards points, and cell phone protection. 
  • Wells Fargo Visa Signature Card: Offered perks like an intro APR on purchases and balance transfers, the opportunity to earn points in the Go Far Rewards program, car rental coverage, extended warranty protection, and complimentary credit score monitoring.
  • Wells Fargo Platinum Visa Card: Offered perks like an intro APR on purchases and balance transfers, travel insurance, and cell phone insurance.
  • Wells Fargo Rewards Card: Offered perks like an intro APR on purchases and balance transfers, the opportunity to earn points in the Go Far Rewards program, and auto rental collision damage waiver and travel accident insurance.

Bottom line on the best Wells Fargo credit card for your wallet

Wells Fargo is a bank with a long history of offering high-value products and services to its customers. This tradition of excellent service continues today with an attractive array of Wells Fargo credit cards to choose from.

While you consider applying for a new Wells Fargo card, use this list to see which card most aligns with your financial goals. Read over each card’s benefits to find the best credit card for your situation.

Lucrative, Flat-Rate Cash Rewards

Intro Offer

$200 cash rewards bonus after spending $1,000 in the first 3 months

Annual Fee

$0

Rewards Rate

2% cash rewards on eligible purchases

Benefits and Drawbacks

Benefits

  • $200 cash rewards bonus
  • Unlimited 2% cash rewards on eligible purchases
  • Intro APR on purchases and balance transfers
  • $0 annual fee

Drawbacks

  • Has foreign transaction fee
  • No bonus categories
Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; 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
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions

Author Details

Ben Walker, CEPF Ben Walker, CEPF, is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially sound decisions. For over a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben is a Certified Educator of Personal Finance and has been featured in The Washington Post, MSN, Debt.com, and Finder.com.