Name: Browse the Best Wells Fargo Credit Cards
Item: Wells Fargo Credit Card
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Author: Cory

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Wells Fargo Reflect Card

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Regular Purchase APR 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 25.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
Processing Network Visa

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Terms & Conditions

Date Reviewed: October 04, 2021

Best Benefits

No annual fee
0% intro APR for m8 onths from account opening on purchases and qualifying balance transfers.
Intro APR extension of up to 3 months with on-time minimum payments during the introductory and extension periods
Cell phone protection for up to $600 when you pay your monthly cell phone bill with your eligible Wells Fargo card

Rates & Fees

Intro Purchase APR: 0% for 18 months from date of account opening, with an extension of up to 3 months for meeting minimum requirements
Regular Purchase APR: 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 18 months rom date of account opening, with an extension of up to 3 months for meeting minimum requirements
Balance Transfer APR: 12.99% to 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater.
Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Wells Fargo Active Cash Card

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Regular Purchase APR 14.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 14.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
Cash Advance APR 25.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 15 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: September 08, 2021

Best Benefits

No annual fee
0% APR for 15 months on balance transfers and purchases
Earn unlimited 2% cash back on all eligible purchases

Rates & Fees

Intro Purchase APR: 0% for 15 months from account opening date
Regular Purchase APR: 14.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 15 months from account opening date
Balance Transfer APR: 14.99%, 19.99%, or 24.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best Benefits

Collect 1 stamp for every night you stay at an eligible property booked on Hotels.com. Collect 10 stamps, get 1 reward night
Get 2 reward nights when you spend $1,000 on purchases in the first 3 months
No foreign transaction fees
No annual fee

Rates & Fees

Regular Purchase APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 14.99% to 22.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater
Cash Advance APR: 24.74% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 24.99% variable based on the Prime Rate
Cash Advance APR: 26.99% 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

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 24.99% variable based on the Prime Rate
Cash Advance APR: 26.99% 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

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Best Benefits

No annual fee for the first year
Up to 200 additional cards at no extra cost
Earn 1.5% cash back on every $1 spent
Earn 1 point on every $1 spent
Get a one-time $500 cash bonus or 50,000 bonus points when you spend $25,000 in the first three months from account opening date

Rates & Fees

Regular Purchase APR: 7.24% variable based on the Prime Rate
Balance Transfer APR: 7.24% variable based on the Prime Rate
Balance Transfer Transaction Fee: Varies based on your specific offer
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Annual Fee: $0 for the first year; $125 after that
Late Payment Penalty Fee: Up to $75
Return Payment Penalty Fee: $29
Over Limit Penalty Fee: Up to $75

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Best Benefits

Perfect for companies with little or no credit history
No foreign transaction fees
Up to 10 employee cards
Earn 1 point on every $1 spent
Receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period

Rates & Fees

Regular Purchase APR: 15.15% variable based on the Prime Rate
Balance Transfer APR: 15.15% variable based on the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $50
Return Payment Penalty Fee: $29
Minimum Deposit Required: $500

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Wells Fargo Business Platinum Credit Card

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Regular Purchase APR 11.24% to 21.24% variable based on creditworthiness and the Prime Rate
Balance Transfer APR fees may apply – see your customer agreement for details upon approval
Cash Advance APR 23.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent , Good
Intro Purchase APR 0% for 9 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: September 08, 2021

Best Benefits

No annual fee
No foreign transaction fees
Earn 1.5% cash back on every $1 spent
Choice of cash back or rewards points

Rates & Fees

Intro Purchase APR: 0% for 9 months from account opening date
Regular Purchase APR: 11.24% to 21.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for the first 9 months from account opening date
Balance Transfer APR: fees may apply – see your customer agreement for details upon approval
Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
Late Payment Penalty Fee: Up to $50
Return Payment Penalty Fee: $29
Over Limit Penalty Fee: $39

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Wells Fargo Cash Back College Card

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Regular Purchase APR 11.15% to 21.15% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 11.15% to 21.15% variable based on creditworthiness and the Prime Rate
Cash Advance APR 23.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Fair , Poor , No Credit Required
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: August 30, 2021

Best Benefits

0% introductory APR for 6 months on purchases and balance transfers
3% cash rewards on gas, grocery, and drugstore purchases for the first 6 months, 1% cash rewards on virtually all other purchases
Build credit history while you’re in college
Access your FICO® Credit Score, credit education and tools with Wells Fargo Online®

Rates & Fees

Intro Purchase APR: 0% for 6 months from account opening date
Regular Purchase APR: 11.15% to 21.15% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% APR for 6 months on transfers made within 120 days from account opening date
Balance Transfer APR: 11.15% to 21.15% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
Cash Advance APR: 23.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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Wells Fargo Rewards® Card

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Regular Purchase APR 12.49% to 25.49% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 12.49% to 25.49% variable based on creditworthiness and the Prime Rate
Cash Advance APR 23.99% to 25.99% variable based on the Prime Rate
Annual Fee None
Credit Needed Excellent
Intro Purchase APR 0% for 15 months from account opening date
Processing Network Visa

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Terms & Conditions

Date Reviewed: August 30, 2021

Best Benefits

Earn 5x points on popular categories and 1x points on all other purchases
0% introductory APR for 15 month on purchases and balance transfers
Flexibility to use points toward travel, gift cards, merchandise, cash redemption, and more
Account protection features such as Zero Liability for promptly reported unauthorized transactions, rapid alerts , cell phone protection

Rates & Fees

Intro Purchase APR: 0% for 15 months from account opening date
Regular Purchase APR: 12.49% to 25.49% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR: 0% for 15 months on transfers made within 120 days from account opening
Balance Transfer APR: 12.49% to 25.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
Cash Advance APR: 23.99% to 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

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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:

Budget Watch: Budget Watch allows cardholders to set up a personal budget and compare their spending across all their Wells Fargo banking accounts.
My Spending Report: This feature works in conjunction with Budget Watch. This feature allows cardholders to monitor their spending, deposits, income, payments, and withdrawals.
Advance Access: A feature unique to the Wells Fargo Propel American Express® Card, Advance Access provides exclusive access to tickets for concerts, sporting events, theatres, and other events.

Other features with credit cards from Wells Fargo include:

Cell phone protection
Complimentary FICO Score access
Visa auto rental collision damage waiver
Visa roadside dispatch service
Travel accident and emergency assistance service
Lost luggage reimbursement
Purchase security
Price protection
Extended warranty protection

What to Look for In a Wells Fargo Credit Card

Before applying for 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. Go Far Rewards 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.

Browse the Best Wells Fargo Credit Cards of 2021

Trying to find your next Wells Fargo Card? BestCards.com has over 900 comprehensive and impartial reviews to help you find your ideal card. Browse card offers from leading credit card issuers – big and small – from across the country. Check out our reviews, learn with our essential news and advice resources, and use our card comparison tool. Ready to get started? Let’s get your best card today!