Wells Fargo Credit Cards: Best and Latest Offers [October 2020]

Wells Fargo credit cards offer high-value rewards on everyday purchases. See which one suits you best.
Last updated Oct 1, 2020 | By Ben Walker

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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, investment solutions, and personal loans. For its credit cards, you can choose between various selections of the best travel credit cards and the best cashback cards.

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

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Latest Wells Fargo personal card offers

Wells Fargo Propel American Express Card

Special Offer

Earn 20,000 points when you spend $1,000 within the first 3 months

Why We Like It

The Wells Fargo Propel American Express card is best for frequent travelers looking for a rewards card with no annual fee.

You’ll earn 3X points per $1 spent on dining out and take out, gas stations, rideshare and transit, flights, hotels, car rentals, homestays, and popular streaming services. 

The card has an introductory 0% APR offer on purchases and balance transfers, giving you a full year before you have to pay interest charges on eligible transactions.

The Wells Fargo Propel offers cell phone protection, as well. Use the card to pay for your cell phone bill and you’ll get up to $600 in protection against theft or damage, subject to a $25 deductible. Terms apply.

Credit Needed: Good - Excellent

Wells Fargo Cash Wise Visa Card

Special Offer

$150 cash reward after spending $500 in the first 3 months

Why We Like It

If you want a simple rewards card without the stress of worrying about rotating spending categories, consider the Wells Fargo Cash Wise Visa. It has an easy-to-earn sign up bonus, flat rewards structure, and a generous introductory APR offer.

During your first year as a cardmember, you’ll earn 1.8% cash back on qualifying digital wallet purchases, including Google Pay and Apple Pay. After that, you’ll earn unlimited 1.5% cash back on every purchase you make.

For a card with no annual fee, the Wells Fargo Cash Wise Visa offers some outstanding benefits. When you use the credit card to pay your monthly cell phone bill, you automatically get cell phone protection.

The card also has an introductory 0% APR offer on purchases and balance transfers for 15 months from account opening.

Credit Needed: Good - Excellent

Wells Fargo Platinum Visa Card

Special Offer

0% Introductory APR on purchases and balance transfers for the first 18 months

Why We Like It

The Wells Fargo Platinum Visa Card is a straightforward credit card that has a long introductory APR on purchases and balance transfers.

Cardholders can take advantage of 0% Introductory APR on purchases and balance transfers for the first 18 months.

Monitor your FICO credit score with Wells Fargo Online and feel safe with a cell phone protection policy up to $600.

Credit Needed: Good - Excellent

Wells Fargo Visa Signature Card

Wells Fargo Visa Signature Card

Special Offer

0% introductory APR on purchases and balance transfers for 15 months

Why We Like It

The Wells Fargo Visa Signature Card is a decent option for travelers who want to earn points for their everyday purchases.

This credit card offers a generous rewards rate of 5X points per $1 spent in common spending categories, including gas stations, grocery stores, and drugstores (up to $12,500 in the first 6 months). After that, you'll earn 1X back on every purchase.

Cardholders can also benefit from perks like travel accident insurance, purchase security, extended warranty protection, and cell phone protection as well as free credit score monitoring through Wells Fargo Online. 

Credit Needed: Good - Excellent

Wells Fargo Cash Back College Visa Card

Wells Fargo Cash Back College Visa Card

Special Offer

0% introductory APR on purchases and balance transfers for 6 months

Why We Like It

The Wells Fargo Cash Back College Visa Card is a great option for students who want to earn cash back on their regular purchases. 

This card offers 3% cash rewards on gas, grocery, and drugstore purchases (up to $2,500) for the first 6 months; and 1% cash back on all other purchases. It also has other attractive features like a 0% introductory APR and no annual fee. 

Credit Needed: Fair

Latest Wells Fargo business card offers

Wells Fargo Business Platinum Credit Card

Wells Fargo Business Platinum Credit Card

Special Offer

Earn $500 or 50,000 points after spending $5,000 in the first 3 months

Why We Like It

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

It offers flat-rate rewards. Earn 1.5% cash back 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.

Credit Needed: Good - Excellent

Wells Fargo Business Secured Credit Card

Wells Fargo Business Secured Credit Card

Special Offer

You choose your preferred rewards program

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 back 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. 

Credit Needed: Poor - Bad

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 cashback cards, travel cards, and no annual fee cards.

Wells Fargo cashback cards

Cashback cards are great if you want to pay less for purchases you were going to make anyway. With these credit cards, you earn cash back 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 cashback rewards can be redeemed in the way that makes the most sense for you. Redeem them for cash 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 cashback cards:

Wells Fargo travel cards

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

With a Wells Fargo travel card, you can easily earn Wells Fargo Go Far Rewards points on common purchases you make frequently. Then, it’s as simple as redeeming the rewards for airfare, hotels, car rentals, gift cards, and more.

Wells Fargo offers these travel 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 small business credit cards also provide useful benefits to help you run your business. These often come in the form of valuable cashback 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 cashback 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 Cash Wise Visa Card, you earn 1.8% cash back on purchases made with a qualifying mobile wallet for the first 12 months, then unlimited 1.5% cash rewards on everyday 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 would be the ideal option. In addition to excellent rewards potential, the Wells Fargo Visa Signature Card offers an added perk especially designed for travelers. You can redeem your rewards for 50% more value on airfare, which can be valuable if you fly often.

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 cashback card may be your best bet. For discounted airfare and 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 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 Cash Back College Card and the Wells Fargo Business Secured Credit Card.

What credit score does Wells Fargo require?

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

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. 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.

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 one for your situation.

Great Go-to Card for Cashback Earnings

Wells Fargo Cash Wise Visa Card

Wells Fargo Cash Wise Visa Card

Wells Fargo Cash Wise Visa Card

Benefits

  • $150 cash rewards bonus offer
  • No annual fee
  • 0% intro APR on purchases and balance transfers
  • 1.8% cash rewards for first 12 months on purchases made with a qualified mobile wallet
  • 1.5% cash rewards on everyday purchases