The Best Wells Fargo Credit Cards (2023 Update)

Henry Wells and William Fargo founded Wells Fargo in 1852. Today the bank is one of the largest in the world, offering banking, retirement, and investment services. Included in these offerings is a portfolio of Wells Fargo credit cards.

Wells recently revamped its credit card lineup. The result is one of the best cash back cards and one of the best 0% APR cards available today. Wells Fargo has also introduced two new hotel rewards cards and dropped its line of small business credit cards (but promises a new business card in the coming months). Below are the personal credit cards Wells Fargo currently offers.

CardAnnual FeeWelcome Offer
Wells Fargo Active Cash® Card $0
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Wells Fargo Reflect® Card$0None

Wells Fargo AutographSM Card 

$0

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

Wells Fargo Choice Privileges® Mastercard® Credit Card 

$0

Earn 40,000 bonus points when you spend $1,000 in purchases within the first 3 months – enough to redeem for up to 5 reward nights at select Choice Hotels® properties.

Wells Fargo Choice Privileges® Select Mastercard® Credit Card 

$95, waived for the first year

Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.

Bilt World Elite Mastercard® 

$$0

None

Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is our top pick for the best everyday credit card. It's the first option we recommend even for those, like me, who carry several rewards credit cards. It pays 2% cash back on purchases. It's as simple as that.

If you only want one card, the rewards from this card will likely outperform other cards that offer higher rewards on select categories. The reason is that other cash back cards that pay higher rewards in select categories pay just 1% on everything else. That lower rate catches up with you because it likely will apply to the majority of your purchases (how much can one spend on gas or at drugstores?).

If you carry multiple rewards cards to maximize your cash, this card, or another 2% cash back card, should be in your wallet. It's one of the best options for purchases that don't qualify for higher rewards on other cards.

Rewards:

2% cash back
All eligible purchases
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

Annual Fee: $0

0% APR Offer: 0% APR on purchases and balance transfers for the first 15 months from account opening. After that, your rate will be 20.24%, 25.24% or 29.99% variable, depending on creditworthiness.

The math on the cash back is simple. Here's a table showing potential cash back based on different spending levels.

Monthly SpendMonthly Cash BackAnnual Cash Back
$1,000$20$240
$2,000$40$480
$3,000$60$720
$4,000$80$960
$5,000$100$1,200

Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card is likewise one of our top picks, in this case for 0% intro APR.

Keep in mind that this is not a rewards card. It does offer some cash back deals at select merchants, but this card is designed for those wanting a long 0% intro APR. It compares with the longest no interest cards available today.

Rewards:  None

Welcome Bonus:  None

Annual Fee:  $0

0% APR Offer: Get 0% APR on purchases and balance transfers for 21 months from account opening on purchases months. After that, your rate will be 18.24%, 24.74% or 29.99% variable, depending on creditworthiness.

How much you can save in interest depends on your current interest rates and amount of debt. Here are some rough estimates of savings based on a simple interest calculation:

DebtInterest RateEst. Savings
$5,00015%$1,312
$10,00015%$2,625
$5,00020%$1,750
$10,00020%$3,500
$5,00025%$2,187
$10,00025%$4,375

Wells Fargo AutographSM Card 

Wells Fargo AutographSM Card is an excellent choice for those who want an all-round rewards card and even gives you 0% APR on purchases for the first 12 months from account opening. This makes it a good choice if you need to make a large purchase. And you get cell phone protection. For no annual fee, you really can't go wrong with this card.

Rewards:

1x points
On all other eligible purchases
Earn 1x points on other purchases
3x points
Cell phone service
3x on cell phone and landline providers
3x points
Streaming services
3x on popular streaming services
3x points
Travel
3x on airfare, hotels, cruises, and car rentals
3x points
Dining
3x on restaurants, dining in, take out, delivery, catering and more
3x points
Gas
3x at gas stations and electric charging stations
3x points
Transit
3x on subways, ride shares, parking, tolls and more

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.

0% APR Offer: Get 0% APR on purchases for the first 12 months from account opening

Annual Fee: $0


Wells Fargo Choice Privileges® Mastercard® Credit Card

Wells Fargo Choice Privileges® Mastercard® Credit Card was just launched in May, 2023. You get a welcome bonus and decent rewards, all for no annual fee. You even get cell phone protection. Choice hotels feature many brands you're probably familiar with and at all levels of service, everything from Rodeway Inns to the Park Plaza. For those who even occasionally stay in Choice hotels, this card is a great value.

Rewards:

1x points
On all other eligible purchases
Earn 1x points on other purchases
3x points
Cell phone service
Earn 3x on phone service plans
3x points
U.S. supermarkets
Earn 3x points at U.S. grocery stores
3x points
Select Categories
Earn 3x points at home improvement stores
3x points
Select Categories
Earn 3x points on purchases at gas stations
5x points
Hotels
Earn 5x points on stays at participating Choice Hotels® properties2 plus on Choice Privileges point purchases

Welcome Bonus: Earn 40,000 bonus points when you spend $1,000 in purchases within the first 3 months – enough to redeem for up to 5 reward nights at select Choice Hotels® properties.

Annual Fee: $0

0% APR: None


Wells Fargo Choice Privileges® Select Mastercard® Credit Card 

Wells Fargo Choice Privileges® Select Mastercard® Credit Card is quite similar to the above card, with elevated rewards, a better bonus, and an annual fee (waived for the first year). And it comes with 30,000 points on every cardmember anniversary, which is enough for at least one night at any eligible Choice Hotels property. You also get a Global Entry/TSA PreCheck credit, so you can spend more time at your hotel and less time waiting in line at the airport.

Rewards:

1x points
On all other eligible purchases
Earn 1x point on all other eligible purchases
5x points
Cell phone service
Earn 5x points on phone plan services
5x points
U.S. supermarkets
Earn 5x points on grocery store purchases
5x points
Select Categories
Earn 5x points on home improvement store purchases
5x points
Gas
Earn 5x points on gas
10x points
Hotels
Get 10x points on stays at participating Choice Hotels® properties; plus on Choice Privileges point purchases

Welcome Bonus: Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.

Annual Fee: $95, waived for the first year

0% APR Offer: None


Bilt World Elite Mastercard® 

Bilt World Elite Mastercard® rewards you for paying rent. You can transfer the points you earn (up to 100,000 points each calendar year) to various travel partners, such as American Airlines, Virgin Atlantic, World of Hyatt, and more. Keep in mind it's not a cash back card: the best use of your points is to transfer them to travel partners. You can use them at Amazon, but they aren't worth much that way.

Also, keep in mind you need to complete five transactions each month to get the points on rent. Since this card has no annual fee, if you travel and pay rent, it's a no-brainer.

Rewards:  

1x points
On all other eligible purchases
Earn 1x points on other purchases.
1x points
Select Categories
Earn 1x points on rent payments without the transaction fee. Up to 100,000 points each calendar year.
2x points
Travel
Earn 2x points on flights, hotels, rental cars, and cruises when booked directly with airlines, hotels, and car rental agencies.
3x points
Dining
Earn 3x points on dining.

Welcome Bonus:  None

Annual Fee: $$0

0% APR Offer: None

Final Thoughts

A couple of cards in this list offer great value for anyone looking for a 2% cash back card or a 0% intro APR offer. However, the hotel cards in this list limit you to one choice, no pun intended. If you're not loyal to any one hotel brand, you'll want to check out our best travel credit cards for more options.