Browse the Best Wells Fargo Credit Cards

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Wells Fargo Autograph Card

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

Visa Processing Network

None Annual Fee

Wells Fargo Autograph Card

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• 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 29.99% variable based on the Prime Rate Cash Advance APR
• 0% for 12 months Intro Purchase APR

At a Glance

Cardholders can earn up to 3X points on everyday purchases with the Wells Fargo AutographSM Card. The card, which features no annual fee and a year-long 0% intro APR period on purchases, earns 3X points on broad categories, including gas, transit, dining, streaming, and more.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• No annual fee
• No foreign transaction fees
• Earn 3X points on dining, travel, gas, transit, streaming, and phone plans
• Earn 1X points on all other purchases
• 0% intro APR for 12 months on purchases

• Intro Purchase APR: 0% for 12 months
• Regular Purchase APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
• Balance Transfer APR: 20.24%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
• Balance Transfer Transaction Fee: Either $5 or 5% of the amount of the transfer, whichever is greater
• Cash Advance APR: 29.99% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
• Late Payment Penalty Fee: Up to $40

• You already bank with Wells Fargo
• You want a lucrative credit card without rotating categories
• You don’t want to pay an annual fee

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Choice Privileges® Mastercard®

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

Mastercard Processing Network

None Annual Fee

Choice Privileges® Mastercard®

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• 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Choice Privileges® Mastercard® offers robust rewards on hotel stays, gas, groceries, and more – with no annual fee or foreign transaction fees. The card also provides automatic Gold Elite status in the Choice Privileges loyalty program.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• No annual fee
• No foreign transaction fees
• Earn 60,000 bonus points after spending $1,000 in purchases in the first three months
• Earn 5X points with Choice Hotels
• Earn 3X points at gas stations, groceries, or home improvement stores
• Automatic Gold Elite status

• Regular Purchase APR: 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
• Balance Transfer APR: 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
• Balance Transfer Transaction Fee: 5% for each balance transfer, with a minimum of $5
• Cash Advance APR: 29.99% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
• Return Payment Penalty Fee: Up to $40

• You travel often and prefer to stay with Choice Hotel brands
• You want basic perks to improve your stays
• You spend heavily on gas or groceries
• You do’t want to pay an annual fee

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Choice Privileges® Select Mastercard®

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

Mastercard Processing Network

$95 (waived for the first year) Annual Fee

Choice Privileges® Select Mastercard®

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• 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Choice Privileges® Select Mastercard® offers premium rewards, automatic Platinum Elite status, anniversary points bonuses, TSA Precheck credits, and more for a $95 annual fee (which Wells Fargo waives for the first year).

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• No foreign transaction fees
• Automatic Platinum Elite status in Choice Privileges
• $100 TSA Precheck or Global Entry statement credits every four years
• Earn 10X points with Choice Hotels
• Earn 5X points at gas stations, groceries, or home improvement stores
• Earn 1X on all other purchases

• Regular Purchase APR: 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
• Balance Transfer APR: 20.99%, 25.24%, or 29.99% variable based on creditworthiness and the Prime Rate
• Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
• Cash Advance APR: 29.99% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
• Annual Fee: $95 (waived for the first year)
• Return Payment Penalty Fee: Up to $40

• You travel often and prefer to stay with Choice Hotel brands
• You fly and can benefit from TSA Precheck
• You spend heavily on gas or groceries

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Dillard’s Elite American Express® Card

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

American Express Processing Network

None Annual Fee

Dillard’s Elite American Express® Card

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• 30.24% variable based on the Prime Rate Regular Purchase APR
• 32.24% variable based on the Prime Rate Cash Advance APR

At a Glance

Dillard’s Elite American Express® Card is a significant jump in credit card perks compared to the Classic version of the card. Cardholders will still have 2X points on Dillard’s, gas station, and grocery store purchases. Now, however, they can earn double points with special events each month for 4X points per Dillard’s purchase plus additional store perks like free shipping on all online orders – still with no annual fee

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• Your choice of $10 Rewards Certificate of 10% Off Shopping Pass for every 1,500 points earned
• 2X points at Dillard’s (in-store and online)
• 2X points at gas stations and grocery stores
• 1X points on all other purchases
• Free standard shipping on all purchases
• Up to 24 months of interest-free financing on select Dillard merchandise
• Free gift wrapping for in-store purchases
• Monthly bonuses for double the points (4X)
• Early access to sales and private shopping events

• Regular Purchase APR: 30.24% variable based on the Prime Rate
• Cash Advance APR: 32.24% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
• Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
• Late Payment Penalty Fee: Up to $40

• You annually spend $2,000+ at Dillard’s
• You primarily shop online or don’t live near a brick-and-mortar Dillard’s store
• You spend less than $150 per online order
• You will pay your monthly balance in full each month
• You want unlimited rewards for department store purchases

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Dillard’s American Express® Card

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

American Express Processing Network

None Annual Fee

Dillard’s American Express® Card

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• 30.24% variable based on the Prime Rate Regular Purchase APR
• 32.24% variable based on the Prime Rate Cash Advance APR

At a Glance

Dillard’s department store shoppers can stretch their dollars further with the Dillard’s American Express® Card. Having no annual fee, cardholders can earn 2 points per dollar spent at Dillard’s, gas stations, and grocery stores to use towards $10 Reward Certificates or 10% Off Shopping Passes.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• For every 1,500 points, you’ll earn an All-Day 10% Off Rewards Shopping Pass.
• 2X points at Dillard’s (in-store and online)
• 2X points at gas stations and grocery stores
• 1X points on all other purchases
• Up to 24 months of interest-free financing on select Dillard merchandise
• Early access to Dillard’s clearance events

• Regular Purchase APR: 30.24% variable based on the Prime Rate
• Cash Advance APR: 32.24% variable based on the Prime Rate
• Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
• Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
• Late Payment Penalty Fee: Up to $40

• You spend at least $750 at Dillard’s every year
• You want early access to Dillard’s clearance events
• You frequently shop in the Men’s Tailored Clothing, Home Furnishings, or Furniture departments
• You regularly make Dillard’s purchases over $100
• You live near a brick-and-mortar Dillard’s locatio

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Wells Fargo Credit Cards

Wells Fargo is the fourth-largest bank in the world by market capitalization and the fourth-largest bank in the United States by assets. The bank, which dates to 1852, when the two founders of American Express founded it.

The bank is also a significant credit card issuer, with over 23 million accounts to date. Wells Fargo credit cards offer quality rewards and robust protections – and suit a variety of credit scores. These options include secured credit cards, business cards, travel rewards cards, and more.

Benefits of Wells Fargo Cards

Wells Fargo may be one the most significant – and oldest – banks in the country, but that doesn’t mean they are backward thinking. Wells Fargo Cards offer some unique features and benefits that continue to entice new applicants. These benefits include:

Other features with credit cards from Wells Fargo include:

What to Look for In a Wells Fargo Credit Card

Before applying for a Wells Fargo card, consider the following:

• Rewards: What do you want in a credit card? Do you plan to use your card for cash back rewards, or do you think you’ll find more value through redeeming for travel? Wells Fargo offers different cards for different reward preferences.
• Annual Fee: Carefully weigh up the yearly fee versus how much you plan to make use of the perks the card provides. This consideration only really applies to Wells Fargo business credit cards, like the Wells Fargo Business Elite Card®.
• No Foreign Transaction Fees: Only a few Wells Fargo credit cards come with no foreign transaction fees. Most Wells Fargo cards charge a foreign transaction fee of 3% of the transaction charge. If you plan on using the card for purchases outside the US (including online), weigh this charge carefully.
• Co-Branded: Wells Fargo also issues a few co-branded credit cards, including two cards in collaboration with retail giant Dillard’s.

Wells Fargo Go Far Rewards Program Guide

Wells Fargo Go Far Rewards is the loyalty program for Wells Fargo credit cards. One of the unique features of the Go Far program is that multiple accounts can pool points together. This feature allows entire families to share points towards bigger award redemptions, including luxury vacations.

Value of Wells Fargo Rewards Points

The value of Wells Fargo Go Far points varies depending on the award option selected. Most awards offer a point value of one cent per point. Using rewards for travel bookings offers a higher evaluation. This is especially true with the Wells Fargo Propel American Express® Card. Booking travel provides a valuation of 1.5 cents per Go Far point.

How to Redeem Rewards Points

Like other rewards programs, Go Far Rewards apply to a variety of redemption awards. These options include:

• Statement Credits: Points are applicable to statement credits. These credits can help a cardholder pay down the Wells Fargo credit card account.
• Cash Back: Cash back is another option, with withdrawals from Wells Fargo Bank ATMs. Cash awards come in $20 increments and are an award option unique to the bank.
• Gift Cards: Go Far points apply towards gift cards from leading brands and retailers.
• Wells Fargo Products: Rewards apply to direct deposits to Wells Fargo banking accounts. Cardholders can also use Go Far rewards to make payments on Wells Fargo mortgage and loan products.
• Charity: Donate points to a selection of charities.
• Merchandise: Points apply to select merchandise purchases, including Apple purchases.
• Travel: Book flights, hotels, and rental cars through Wells Fargo’s online travel portal.

Unlike other loyalty programs, such as Chase Ultimate Rewards, American Express Member Rewards, or Citi ThankYou, Wells Fargo Go Far points do not transfer to any other loyalty program. This means cardholders can only book their travel through the Wells Fargo portal.

Do Wells Fargo Reward Points Expire?

Go Far Rewards points expire at the end of the 60^th month after they are earned. This means Wells Fargo Go Far Rewards expire after five years.