Browse the Best Wells Fargo Credit Cards

Wells Fargo has been a staple of American banking for over 160 years. Its credit card range is concise yet versatile, offering products with rewards programs and other benefits to customers across the credit spectrum. Browse top Wells Fargo credit cards below.

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Bilt Mastercard

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Wells Fargo Reflect Card

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Wells Fargo Active Cash Card

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Bilt Mastercard

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Wells Fargo Reflect Card

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Wells Fargo Active Cash Card

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Choice Privileges® Mastercard®

Choice Privileges® Mastercard®
Visit Card Site Terms & Conditions
BestCards.com uses a variation of FICO Score 8, 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. Credit Needed: Excellent/ Good
Mastercard Processing Network
None Annual Fee

Choice Privileges® Mastercard®

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  • 20.74%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.74%, 24.99%, 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: 20.74%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 20.74%, 24.99%, 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®

Choice Privileges® Select Mastercard®
Visit Card Site Terms & Conditions
BestCards.com uses a variation of FICO Score 8, 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. Credit Needed: Excellent/ Good
Mastercard Processing Network
$95 (waived for the first year) Annual Fee

Choice Privileges® Select Mastercard®

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  • 20.74%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 20.74%, 24.99%, 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: 20.74%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 20.74%, 24.99%, 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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Bilt Mastercard

Bilt Mastercard
Apply Now Terms & Conditions
BestCards.com uses a variation of FICO Score 8, 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. Credit Needed: Excellent/ Good
Mastercard Processing Network
None Annual Fee

Bilt Mastercard

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  • 21.24%, 24.24%, or 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 21.24%, 24.24%, or 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 28.99% variable based on the Prime Rate Cash Advance APR

At a Glance

The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 1X points on rent payments (up to 50,000 points each calendar year)
  • Earn 2X points on travel
  • Earn 3X points on dining
  • Regular Purchase APR: 21.24%, 24.24%, or 29.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.24%, 24.24%, or 29.24% 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: 28.99% 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 rent and want to earn rewards on your monthly rental payments
  • You’re a member of Bilt Rewards
  • You don’t want to pay an annual fee
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Wells Fargo Autograph Card

Wells Fargo Autograph Card
Visit Card Site Terms & Conditions
BestCards.com uses a variation of FICO Score 8, 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. Credit Needed: Excellent/ Good
Visa Processing Network
None Annual Fee

Wells Fargo Autograph Card

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  • 19.99%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.99%, 24.99%, 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: 19.99%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 19.99%, 24.99%, 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
Read Full Review

Wells Fargo Active Cash Card

Wells Fargo Active Cash Card
Visit Card Site Terms & Conditions
BestCards.com uses a variation of FICO Score 8, 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. Credit Needed: Excellent/ Good
Visa Processing Network
None Annual Fee

Wells Fargo Active Cash Card

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  • 19.99%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.99%, 24.99%, 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 15 months from account opening date Intro Purchase APR

At a Glance

The Wells Fargo Active Cash Visa Card offers Wells Fargo customers unlimited 2% back, two generous introductory offers, and various protections – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% APR for 15 months on balance transfers and purchases
  • Earn unlimited 2% cash back on all eligible purchases
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 19.99%, 24.99%, or 29.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 19.99%, 24.99%, or 29.99% 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: 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
  • 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
  • You don’t like the hassle of bonus reward categories
  • You want a lengthy 0% introductory APR for 15 months on purchases and qualifying balance transfers
  • You want a card with a $0 annual fee
Read Full Review

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:

Zero Fraud Liability Cardholder Inquiry Services Emergency Card Replacement Luxury Hotel Collection Extended Warranty Coverage
Roadside Dispatch Lost/Stolen Card Reporting ID Navigator from Norton Travel & Emergency Assistance Extended Warranty Coverage

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 60th month after they are earned. This means Wells Fargo Go Far Rewards expire after five years.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.