The Best Wells Fargo Credit Cards (2023 Update)
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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.
| Card | Annual Fee | Welcome 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 | $0 | None |
| 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 | For a limited time, earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months, which is enough to redeem for up to 7 reward nights at select Choice Hotels® properties |
| Wells Fargo Choice Privileges® Select Mastercard® Credit Card | $95, waived for the first year | Get 90,000 bonus points when you spend $3,000 in the first three months--enough to redeem for up to 11 reward nights at select Choice Hotels® properties
|
| Bilt World Elite Mastercard® | $$0 | None |
Wells Fargo Active Cash® Card
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:
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 Spend | Monthly Cash Back | Annual 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
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:
| Debt | Interest Rate | Est. Savings |
|---|---|---|
| $5,000 | 15% | $1,312 |
| $10,000 | 15% | $2,625 |
| $5,000 | 20% | $1,750 |
| $10,000 | 20% | $3,500 |
| $5,000 | 25% | $2,187 |
| $10,000 | 25% | $4,375 |
Wells Fargo AutographSM Card
Rewards:
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
Rewards:
Welcome Bonus: For a limited time, earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months, which is enough to redeem for up to 7 reward nights at select Choice Hotels® properties
Annual Fee: $0
0% APR: None
Wells Fargo Choice Privileges® Select Mastercard® Credit Card
Rewards:
Welcome Bonus: Get 90,000 bonus points when you spend $3,000 in the first three months--enough to redeem for up to 11 reward nights at select Choice Hotels® properties
Annual Fee: $95, waived for the first year
0% APR Offer: None
Bilt World Elite Mastercard®
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:
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.