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Wells Fargo Credit Cards

With its origins dating back to the Gold Rush, 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 credit cards below.

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Total Cards 808

July 30, 2018

Wells Fargo Platinum Visa® Card

0% Intro APR for 18 Months

Wells Fargo Platinum Visa® Card
  • Regular Purchase APR 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 18 months from account opening date
  • Processing Network Visa
Best Benefits
  • No interest paid with 0% APR for the first 18 months of account opening
  • Zero Liability protection ensures that cardholders are not held responsible for unauthorized transactions when promptly reported
  • Comprehensive travel protection includes accident insurance, cell phone protection, and auto rental collision damage waiver
  • Ideal for paying down balances and large purchases that need to be paid over time
  • Free access to FICO® Credit Score
Rates & Fees
  • Intro Purchase APR: 0% for 18 months from account opening date
  • Regular Purchase APR: 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 18 months on transfers made within 120 days from account opening date
  • Balance Transfer APR: 15.49% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the balance transfer amount, whichever is greater, for 18 months. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 25.49% to 27.49% variable based on creditworthiness and 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 $37
  • Return Payment Penalty Fee: Up to $37

August 15, 2018

Wells Fargo Cash Wise Visa® Card

$150 Cash Rewards Bonus + Unlimited 1.5% Cash Rewards

Wells Fargo Cash Wise Visa® Card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • 1.5% cash rewards on everyday purchases
  • 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) du
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 25.99% 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: 13.99% to 25.99% 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 12 months. After that, up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Penalty APR: None
  • Annual Fee: None
  • Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37

August 15, 2018

Wells Fargo Propel American Express® card

Earn 30,000 Bonus Points

Wells Fargo Propel American Express® card
  • Regular Purchase APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 12 months from account opening
  • Processing Network American Express
Best Benefits
  • Earn 3X points on dining, travel, gas stations, and streaming services
  • Earn 1 rewards point per U.S. dollar spent on other purchases
  • Rewards points earning is unlimited and points do not expire as long as your account remains open
  • Enjoy cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo credit card
  • Receive complimentary discounts or food and beverage items at participating restaurants
Rates & Fees
  • Intro Purchase APR: 0% for 12 months from account opening
  • Regular Purchase APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on qualifying transfers made within 120 days from account opening
  • Balance Transfer APR: 13.99% to 25.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Introductory $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 transfer, with a minimum of $5
  • Cash Advance APR: 25.49% to 27.49% variable based on creditworthiness and 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 $37
  • Return Payment Penalty Fee: Up to $37

August 29, 2018

Wells Fargo Visa Signature® Card

50% More Value When Rewards Are Redeemed for Airfare

Wells Fargo Visa Signature® Card
  • Regular Purchase APR 13.99% to 26.99% variable based on the Prime Rate
  • Balance Transfer APR 13.99% to 26.99% variable based on the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • 0% Introductory APR for 15 months on purchases and balance transfer
  • 5x rewards points earned for up to $12,500 spent on gas, grocery, and drugstore purchases for the first 6 months and 1x points on other purchases
  • 50% more value when redeemed for airfare (for instance, 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption)
  • Free access to your FICO® Credit Score with Wells Fargo Online®
Rates & Fees
  • Intro Purchase APR: 0% for 15 months
  • Regular Purchase APR: 13.99% to 26.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 120 days from account opening
  • Balance Transfer APR: 13.99% to 26.99% variable based on 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: 25.49% to 27.49% 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 $37
  • Return Payment Penalty Fee: Up to $37

August 29, 2018

Wells Fargo Secured Credit Card

Build or Rebuild Credit

Wells Fargo Secured Credit Card
  • Regular Purchase APR 20.49% variable based on the Prime Rate
  • Balance Transfer APR 20.49% variable based on the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee $25
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Card activity is shared with major credit bureaus to help build credit history
  • Your security deposit is equal to your credit line – if you deposit $300, your credit line is $300
  • Available to both U.S. citizens, permanent residents, and nonresident aliens
  • Sort your monthly expenses against your budget with free access to budgeting and tracking tools: My Spending Report and Budget Watch through My Money Map
Rates & Fees
  • Regular Purchase APR: 20.49% variable based on the Prime Rate
  • Balance Transfer APR: 20.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Up to 5% for each balance transfer, with a minimum of $5
  • Cash Advance APR: 25.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Annual Fee: $25
  • Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars
  • Late Payment Penalty Fee: Up to $37
  • Return Payment Penalty Fee: Up to $37
  • Minimum Deposit Required: $300
  • Credit Needed: $300

August 29, 2018

Wells Fargo Rewards® Card

0% Intro APR for 15 Months

Wells Fargo Rewards® Card
  • Regular Purchase APR 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 17.99% to 26.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% to 27.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 15 months
  • Processing Network Visa
Best Benefits
  • Ern 3x 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
  • Regular Purchase APR: 17.99% to 26.99% 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: 17.99% to 26.99% 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: 25.49% to 27.49% 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 $37
  • Return Payment Penalty Fee: Up to $37

August 29, 2018

Wells Fargo Cash Back College Card

0% Intro APR + up to 3% Cash Rewards

Wells Fargo Cash Back College Card
  • Regular Purchase APR 12.65% to 22.65% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.65% to 22.65% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Intro Purchase APR 0% for 6 months.
  • Processing Network Visa
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.
  • Regular Purchase APR: 12.65% to 22.65% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% APR for 6 months on balance transfers made within 120 days from account opening
  • Balance Transfer APR: 12.65% to 22.65% 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: 25.49% 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 $37
  • Return Payment Penalty Fee: Up to $37

June 20, 2019

Wells Fargo Business Platinum Credit Card

Earn 1.5% Cash Back on Purchases

Wells Fargo Business Platinum Credit Card
  • Regular Purchase APR 12.74% to 22.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.74% to 22.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.494% 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
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: 12.74% to 22.74% 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: 12.74% to 22.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.494% 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

June 21, 2019

Wells Fargo Business Secured Credit Card

Earn 1.5% Cash Back

Wells Fargo Business Secured Credit Card
  • Regular Purchase APR 16.65% variable based on the Prime Rate
  • Balance Transfer APR 16.65% variable based on the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee $25 per card
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
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: 16.65% variable based on the Prime Rate
  • Balance Transfer APR: 16.65% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.49% 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: $25 per card
  • Late Payment Penalty Fee: Up to $50
  • Return Payment Penalty Fee: $29
  • Minimum Deposit Required: $500
  • Credit Needed: $500

June 21, 2019

Wells Fargo Business Elite Card®

Get 100,000 Bonus Points

Wells Fargo Business Elite Card®
  • Regular Purchase APR 8.74% variable based on the Prime Rate
  • Balance Transfer APR 8.74% variable based on the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee $0 for the first year; $125 after that
  • Credit Needed Excellent
  • Processing Network Visa
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
  • Receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing pe
Rates & Fees
  • Regular Purchase APR: 8.74% variable based on the Prime Rate
  • Balance Transfer APR: 8.74% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Varies based on your specific offer
  • Cash Advance APR: 25.49% 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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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 60th month after they are earned. This means Wells Fargo Go Far Rewards expire after five years.

The Best Wells Fargo Credit Cards of 2020

Looking for the best Wells Fargo Cards of 2020?

Rewards

  • Best Wells Fargo Card for Travel Rewards: Wells Fargo Propel American Express® Card
  • Best Wells Fargo Card for Cash Back: Wells Fargo Cash Wise Visa® Card

Building Credit

  • Best Wells Fargo Card for Students: Wells Fargo Cash Back College℠ Card
  • Best Wells Fargo Card for Building Credit: Wells Fargo Secured Credit Card

Others

  • Best Wells Fargo Card for Businesses: Wells Fargo Business Elite Card®
  • Best Wells Fargo Card for Balance Transfers: Wells Fargo Platinum Card

Browse the Best Wells Fargo Credit Cards of 2020

Trying to find your next Wells Fargo Card? BestCards.com has over 800 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!