Wells Fargo Credit Cards: Latest Offers [September 2023]

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.

Latest Wells Fargo personal card offers

Latest Wells Fargo business card offers

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 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 these cash rewards cards:

• Wells Fargo Active Cash^® Card

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, 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:

• Hotels.com^® Rewards Visa^® Credit Card, which earns stamps that can be collected and used toward hotel rewards nights when booked through Hotels.com.
• Wells Fargo Autograph℠ Card, which has great earnings potential: Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases.
• Bilt Mastercard^®, which can earn you travel rewards just by using it to pay your rent.
• Choice Privileges^® Mastercard^® Credit Card and Choice Privileges^® Select Mastercard^® Credit Card, which are excellent options for Choice Hotel customers.
  

Wells Fargo 0% 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 gives you 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.

The Wells Fargo Reflect^® Card gives cardholders a 0% intro APR on new purchases for 21 months from account opening (then 18.24%, 24.74%, 29.99% variable) and a 0% intro APR for 21 months from account opening on qualifying balance transfers (then 18.24%, 24.74%, 29.99% variable). It comes with a balance transfer fee of 5%; min: $5. This is comparable to the fee with most balance transfer cards. 

The Wells Fargo Active Cash^® Card gives cardholders a 0% intro APR on new purchases for 15 months from account opening (then 20.24%, 25.24%, or 29.99% variable) and a 0% intro APR for 15 months from account opening on qualifying balance transfers (then 20.24%, 25.24%, or 29.99% variable). It comes with a balance transfer fee of 3% for 120 days from account opening, then up to 5%; min: $5. 

The Wells Fargo Autograph℠ Card gives cardholders a 0% intro APR on new purchases for 12 months from account opening (then 20.24%, 25.24%, or 29.99% variable).

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:

• Wells Fargo Active Cash^® Card
• Wells Fargo Reflect^® Card
• Hotels.com^® Rewards Visa^® Credit Card
  
• Bilt Mastercard^®
  
• Choice Privileges^® Mastercard^® Credit Card
  

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:

• Wells Fargo Business Elite Signature Card
• Wells Fargo Business Platinum Credit Card

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.

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 more than 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 more than 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.

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, and Wells Fargo Reflect Card reviews to see which offer makes the most sense for you.

Card	Welcome offer	Rewards rate	Annual fee
Wells Fargo Active Cash® Card	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	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	Benefit from a long introductory APR period on purchases and qualifying balance transfers	None	$0

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

FAQs about Wells Fargo credit cards

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.