Wells Fargo Credit Cards: Latest Offers [May 2024]

CREDIT CARDS - CREDIT CARD REWARDS
Wells Fargo credit cards offer high-value rewards on everyday purchases. See which one suits you best.
Updated May 17, 2024
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As a well-known U.S.-based bank, Wells Fargo offers many traditional banking services. This includes checking and savings accounts, credit cards, debit 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

Awesome Rewards Rates + Intro APR

4.7

Wells Fargo Autograph℠ Card

Current Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 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

Benefits and Drawbacks
Card Details

Lucrative, Flat-Rate Cash Rewards

5.0

Wells Fargo Active Cash® Card

Current Offer

$200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Benefits and Drawbacks
Card Details

Extra Long Intro APR on Purchases & Qualifying Balance Transfers

4.9

Wells Fargo Reflect® Card

Current Offer

Benefit from a long introductory APR period on purchases and qualifying balance transfers

Annual Fee

$0

Benefits and Drawbacks
Card Details

Top-Notch Rewards Rates + Travel Perks

5.0

Wells Fargo Autograph Journey℠ Card

Current Offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip

Annual Fee

$95

Rewards Rate

Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases

Benefits and Drawbacks
Card Details

Good Travel Benefits for Choice Hotel Customers

Choice Privileges® Mastercard® Credit Card
3.9

Choice Privileges® Mastercard® Credit Card

Current Offer

Earn 40,000 points after spending $1,000 on purchases in the first 3 months

Annual Fee

$0

Rewards Rate

5X points on participating Choice Hotels properties plus on Choice Privileges point purchases; 3X points at gas stations, grocery stores, home improvement stores, and phone plan services; plus 1X points on other eligible purchases

Benefits and Drawbacks
Card Details

Exceptional Travel Benefits at Choice Hotels

Choice Privileges® Select Mastercard® Credit Card
4.3

Choice Privileges® Select Mastercard® Credit Card

Current Offer

Earn 60,000 points after spending $3,000 on purchases in the first 3 months

Annual Fee

$95

Rewards Rate

10X points on participating Choice Hotels properties plus on Choice Privileges point purchases; 5X points at gas stations, grocery stores, home improvement stores, and phone plan services; plus 1X points on other eligible purchases

Benefits and Drawbacks
Card Details

Latest Wells Fargo business card offers

You Choose Your Rewards

Wells Fargo Business Platinum Credit Card

Wells Fargo Business Platinum Credit Card

Current 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

Benefits and Drawbacks
Card Details

Your Choice: Cash Rewards or Points

Wells Fargo Business Elite Signature Card

Wells Fargo Business Elite Signature Card

Current Offer

Earn $1,000 cash back or 100,000 bonus points after spending $25,000 in the first 3 months

Annual Fee

$125 (waived first year)

Rewards Rate

1.5% cash back per dollar spent, or earn 1 point per dollar spent and receive 5,000 bonus points each month you spend more than $10,000

Benefits and Drawbacks
Card Details

What is Wells Fargo?

Wells Fargo is a well-known credit card issuer and banking company with a history dating as far back as 1852.

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

Wells Fargo offers a range of banking products, including savings and checking accounts, credit cards tailored to various lifestyle needs, and loan services for mortgages, autos, and students. Wells Fargo accounts also include individual retirement accounts and other wealth management services.

With about 250,000 employees, Wells Fargo is a major force within the financial industry. At over $73 billion in total revenue for 2022, 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 cash back 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 this cash rewards card:

Credit card Rewards rate Annual fee

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

5.0

Earn 2% cash rewards on purchases $0

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 or foreign currency conversion fees, and could include added perks like cell phone protection, auto rental insurance, statement credits, concierge services, and access to premium hotel collections.

Wells Fargo offers these travel credit cards:

Credit card Rewards rate Annual fee

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

4.7

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases $0

Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card

5.0

Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases $95

Bilt Mastercard®

Bilt Mastercard®

4.3

Earn 3X points on dining, 2X points on travel, up to 1X points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1X points on other purchases; must use the card 5 times each statement period to earn points $0

Choice Privileges® Mastercard® Credit Card

Choice Privileges® Mastercard® Credit Card

3.9

Earn 5X points on participating Choice Hotels properties plus on Choice Privileges point purchases; 3X points at gas stations, grocery stores, home improvement stores, and phone plan services; plus 1X points on other eligible purchases $0

Choice Privileges® Select Mastercard® Credit Card

Choice Privileges® Select Mastercard® Credit Card

4.3

Earn 10X points on participating Choice Hotels properties plus on Choice Privileges point purchases; 5X points at gas stations, grocery stores, home improvement stores, and phone plan services; plus 1X points on other eligible purchases $95

Wells Fargo intro APR credit cards

A 0% intro 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 features a set period to pay off your balance without incurring interest charges, which can be helpful for managing your finances. 

Note that interest rates return to normal after the intro APR period ends. So it's important to take advantage of the intro APR offer before it ends and you have to deal with a regular APR or variable APR.

Credit card Intro APR offers Annual fee

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

4.9

  • 0% intro APR on eligible purchases for 21 months from account opening (then 18.24%, 24.74%, or 29.99% Variable)
  • 0% intro APR for 21 months from account opening on qualifying balance transfers (then 18.24%, 24.74%, or 29.99% Variable) Balance transfer fee of 5%, min: $5
$0

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

5.0

  • 0% intro APR on eligible purchases for 15 months from account opening (then 20.24%, 25.24%, or 29.99% Variable)
  • 0% intro APR for 15 months from account opening on qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable) Balance transfer fee of 3% for 120 days from account opening, then up to 5%; min: $5
$0

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

4.7

  • 0% intro APR on eligible purchases for 12 months from account opening (then 20.24%, 25.24%, or 29.99% Variable)
$0

Keep in mind that you can do a balance transfer up to the credit limit of your balance transfer credit card. That typically includes the balance transfer fee, if there is one.

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:

Credit card Rewards rate

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

5.0

Earn 2% cash rewards on purchases

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

4.9

Doesn’t earn rewards

Bilt Mastercard®

Bilt Mastercard®

4.3

Earn 3X points on dining, 2X points on travel, up to 1X points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1X points on other purchases; must use the card 5 times each statement period to earn points

Choice Privileges® Mastercard® Credit Card

Choice Privileges® Mastercard® Credit Card

3.9

Earn 5X points on participating Choice Hotels properties plus on Choice Privileges point purchases; 3X points at gas stations, grocery stores, home improvement stores, and phone plan services; plus 1X points on other eligible purchases

Wells Fargo business credit cards

Business credit 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 that you can earn on your eligible business purchases.

Wells Fargo offers two business credit cards. However, both these two business cards aren’t accepting new applications as of December 2023:

Credit card Rewards rate Annual fee

Wells Fargo Business Platinum Credit Card

Wells Fargo Business Platinum Credit Card

Earn 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 $0

Wells Fargo Business Elite Signature Card

Wells Fargo Business Elite Signature Card

Earn 1.5% cash back per dollar spent, or earn 1 point per dollar spent and receive 5,000 bonus points each month you spend more than $10,000 $125 (waived first year)

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, U.S. Bank, and Capital One? 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 about 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.

Bank of America ranked second in overall customer satisfaction in the J.D. Power 2023 U.S. Credit Card Satisfaction Study. Wells Fargo ranked seventh.

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 about 250,000 workers, so they’re equally large companies.

Chase ranked fifth in overall customer satisfaction in the J.D. Power 2023 U.S. Credit Card Satisfaction Study. Wells Fargo ranked seventh.

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 about 250,000 employees.

U.S. Bank ranked ninth in overall customer satisfaction in the J.D. Power 2023 U.S. Credit Card Satisfaction Study. Wells Fargo ranked seventh.

Wells Fargo vs. Capital One

Wells Fargo and Capital One are large U.S. financial institutions that provide a variety of different services, such as credit cards and bank accounts. Their primary card offerings include travel credit cards that earn travel rewards and cash back cards that earn cashback rewards.

A quick credit card review shows that Wells Fargo offers less than 10 personal credit cards, while Capital One offers over 30 personal cards.

Capital One ranked fourth overall in the J.D. Power 2023 U.S. Credit Card Satisfaction Study. Wells Fargo ranked seventh.

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. You might discover that the best credit card for one person may not be the best card for someone else, as it depends on everyone’s unique situation.

How to take advantage of Wells Fargo credit card offers

The best Wells Fargo credit card for you depends on the type of promotion you’re interested in. Consider the Wells Fargo Active Cash Card, Wells Fargo Autograph Card, Wells Fargo Reflect Card, and Wells Fargo Autograph Journey reviews to see which offer makes the most sense for you.

Credit card Welcome offer Rewards rate Annual fee

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

5.0

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months Earn 2% cash rewards on purchases $0

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card

4.7

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 restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases $0

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card

4.9

Benefit from a long introductory APR period on purchases and qualifying balance transfers None $0

Wells Fargo Autograph Journey℠ Card

Wells Fargo Autograph Journey℠ Card

5.0

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

For great rewards-earning on purchases you make every day, a cash rewards credit card likely provides the best value. With the Wells Fargo Active Cash Card, you can earn 2% cash rewards on purchases. Earning a rate like this is simple and straightforward, which suits most people.

If you’re more interested in travel rewards and travel-related redemption options, a travel credit card could be the ideal option. With the Wells Fargo Autograph, you can earn points on eligible purchases with the card’s bonus categories. You can then redeem your points for travel bookings, gift cards, online shopping with PayPal at different retailers, and to offset eligible past purchases.

For introductory APR offers on purchases and qualifying balance transfers, the Wells Fargo Reflect is an excellent choice. The Reflect provides:

  • 0% intro APR for 21 months from account opening (then 18.24%, 24.74%, or 29.99% Variable)
  • 0% intro APR for 21 months from account opening on qualifying balance transfers (then 18.24%, 24.74%, or 29.99% Variable)

Note that the Wells Fargo Reflect doesn’t typically have a welcome bonus offer or any spending categories. But all three of these Wells Fargo credit cards provide cell phone protection against damage or theft when you pay your monthly cell phone bill (subject to a $25 deductible).

Wells Fargo credit cards FAQ

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. Wells Fargo used to offer the Wells Fargo Business Secured Credit Card, yet it is no longer accepting applications. 

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 your credit report has a good credit history, 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 have a secured credit card?

Wells Fargo doesn’t offer a secured credit card as of December 2023. The bank used to offer a secured credit card for businesses, but new applications for this credit card are no longer open. If you’re looking for other options to build your credit, check out our list of the best secured credit cards.

Does Wells Fargo do a hard credit pull?

Most credit card issuers, including Wells Fargo, will generate a hard credit pull when you supply your Social Security number and 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 welcome offer, a flat rewards structure, and an introductory APR offer.
  • Wells Fargo Propel American Express Card: Offered perks like an intro APR on purchases and qualifying 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 qualifying 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 qualifying balance transfers, travel insurance, and cell phone insurance.
  • Wells Fargo Rewards Card: Offered perks like an intro APR on purchases and qualifying balance transfers, the opportunity to earn points in the Go Far Rewards program, and auto rental collision damage waiver and travel accident insurance.

Wells Fargo rewards cards now generally earn rewards in the Wells Fargo Rewards program.

Wells Fargo credit cards: bottom line

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

5.0

Wells Fargo Active Cash® Card

Current Offer

$200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Benefits and Drawbacks
Card Details

Author Details

Ben Walker, CEPF, CFEI® Ben Walker, CEPF, CFEI®, is credit cards specialist. For over a decade, he's leveraged credit card points and miles to travel the world. His expertise extends to other areas of personal finance — including loans, insurance, investing, and real estate — and you can find his insights on The Washington Post, Debt.com, Yahoo! Finance, and Fox Business.

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