Best Wells Fargo Credit Cards offers a variety of credit card options, including cash rewards cards and travel cards. These cards can offer great value for people who have specific spending needs or preferences.
The Wells Fargo Active Cash Card is a good option for those who want to earn cash back on all their purchases. It also has a high signup bonus and no annual fee.
Types of Best Wells Fargo Credit Cards
Wells Fargo has a handful of credit card options, including personal and business cards. These cards offer a variety of benefits, such as cashback and travel rewards. They also provide a variety of features, such as zero liability protection and cell phone protection.
The type of credit card you choose depends on your spending habits and preferences. If you want to earn cash back on purchases, a cash rewards card may be the best option. These cards typically have a flat rate of reward earnings, such as 2% back on all eligible purchases.
Travel credit cards are another popular choice for people who enjoy earning points on their everyday spending. These cards typically have bonus categories that earn more points than other categories, and you can redeem your points for airfare, hotel stays and other travel-related expenses. Wells Fargo also offers a variety of cards designed to help build credit. These cards typically have a low introductory APR period and can help you establish a good credit history. However, these cards tend to require a higher FICO or VantageScore score than other Wells Fargo cards.
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Pros and cons of Wells Fargo credit cards
Wells Fargo has a wide range of credit cards, including cash back and travel rewards. The issuer also offers a few balance transfer cards with attractive 0% introductory APRs and no annual fee.
Most Wells Fargo cards target cardholders with good to excellent credit, as they require a FICO score of 670 or higher to qualify. Some cards are available to those with a lower score, but these cards typically carry a higher APR.
The Wells Fargo Active Cash card, for example, is a solid choice for people who want to earn 2 per cent cash back on all purchases. This card, however, does charge foreign transaction fees.
Similarly, the Wells Fargo Autograph card offers strong points rewards in bonus categories and generous introductory 0% APR for balance transfers without an annual fee. This card is great for those looking to consolidate debt or finance a large purchase with a low APR. It also includes an underrated perk benefit that gives cardholders up to $600 in cellphone protection against theft and damage when they pay their monthly phone bill with the card.
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How to choose a Wells Fargo credit card
Choosing the right Wells Fargo credit card depends on your individual needs and goals. There are several factors to consider, including the benefits, fees and rates each card offers. You should also take into account the amount of debt you currently carry and your credit score. The higher your score, the better your approval odds are, although even excellent credit can sometimes be denied for a credit card if you apply too often.
If you have a good credit score and are looking to earn rewards or finance expenses, Wells Fargo has a few great options. The Choice Privileges Select Mastercard credit card, for example, offers a competitive 5x rewards on hotels and 3x in additional bonus categories. The card also comes with a variety of travel perks, such as no foreign transaction fees and credit for Global Entry or TSA PreCheck. If you’re a traveller who wants to earn points but isn’t able to qualify for the Choice Privileges card, the Wells Fargo Autograph card may be a good option for you. It offers the same basic benefits as the Choice Privileges card but with a slightly lower annual fee.
Who should get a Wells Fargo credit card?
Wells Fargo offers a variety of credit cards to meet the needs of many types of consumers. The best card for you depends on your spending habits and financial goals, as well as your credit profile. For example, if you want to earn rewards on everyday purchases, a card like the Wells Fargo Active Cash Card is a great choice. It also offers a 0% introductory APR period on purchases and balance transfers, which can save you money on interest.
On the other hand, if you prefer to maximize rewards-earning opportunities with points and miles, the Wells Fargo Autograph Card could be right for you. It earns bonus points in select categories, including dining, travel, transit, popular streaming services and cellphone plans. The card also comes with a cell phone protection benefit and no annual fee.
It’s important to note that Wells Fargo credit cards are typically marketed to consumers with good or excellent credit. If you have a score below that range, you may have better luck with cards offered by other issuers.
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How Wells Fargo credit card rewards work
Wells Fargo has a variety of credit cards with different rewards programs. To determine which Wells Fargo card is best for you, consider your needs and goals. For example, if you want to earn cash back on all your spending, the Wells Fargo Active Cash card may be an excellent choice. This card offers 2% cash back on all purchases and automatically deposits earned rewards into your checking account each quarter. This card also provides cell phone protection for damage or theft if you pay your monthly bill with the card ($25 deductible).
Alternatively, if you’re looking for top travel rewards, the Wells Fargo Go Far Rewards Premier card could be worth considering. This card earns 1.5X points on travel, dining and some gas purchases. It also offers a generous signup bonus, and the rewards are redeemable for travel bookings, gift cards or online shopping through PayPal at a wide variety of retailers. You can also offset eligible past purchases with the card’s points. However, the card has some limitations, including a maximum cap on how much you can earn in a given timeframe.
Wells Fargo credit card benefits
The best Wells Fargo credit cards provide a variety of benefits to suit your spending habits. Whether you want to earn cash back, prioritize debt management or get a long 0% APR promotion, these cards have something to offer.
The Wells Fargo Rewards Card, for example, offers a solid sign-up bonus and rewards rates. It also comes with a few unique features, like a rental car collision damage waiver and roadside dispatch services. However, the card’s 3% foreign transaction fee is a downside for travellers.
If you have high-interest debt, a Wells Fargo balance transfer card can help you save money by consolidating your debt and paying it off interest-free during the introductory period. Some Wells Fargo cards also include a 0% APR on purchases, which is helpful if you’re planning to make large purchases.
You can check to see if you prequalify for Wells Fargo cards without impacting your credit score by visiting the company’s website. However, it’s important to note that this is not a guarantee of approval and you may be required to submit additional information to complete the process.
Are Wells Fargo credit cards worth it?
Wells Fargo is a credit card issuer with a variety of options designed for consumers and businesses. The company has a smaller lineup of cards than some of its competitors but offers high-quality products that can meet a wide range of consumer needs. Some of the best Wells Fargo cards offer lucrative rewards, $0 annual fees and 0% intro APR on purchases and balance transfers.
Whether Wells Fargo credit cards are worth it depends on your spending habits and financial goals. However, some of the company’s top cards come with valuable features like zero liability protection and complimentary cellphone insurance. Some also provide access to your FICO Score for free, which can help you monitor your credit health.
Generally, Wells Fargo credit cards require good or excellent credit for approval. Some of the company’s cards have no minimum credit score requirement, but most of the company’s cards offer benefits only for people with good to excellent scores. If you have a low credit score, consider the best cards for people with bad credit or for students to help build your credit.
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Best Wells Fargo Credit Cards Wells Fargo Reflect®
Wells Fargo Reflect is one of the company’s best credit cards, offering an impressively long window for 0% intro APR on balance transfers and purchases. While this card does require a good to excellent credit score for approval, it has a $ 0 annual fee and offers useful extras like cell phone protection. Unlike some other Wells Fargo credit cards, however, it does not earn rewards.
The card also comes with a pay-per-use roadside assistance program that includes help with flat tires, lockout service, and fuel delivery. It also offers a credit protection feature that allows cardholders to pay their eligible mobile phones with the card and receive up to $600 per claim for damage or theft (subject to a $25 deductible).
While this Wells Fargo credit card could be worth it if you’re looking to manage debt or make a large purchase with low-interest financing, we recommend taking a closer look at its features before applying. We’ve compared it to other top credit cards, including cards that offer cash back and perks like no foreign transaction fees, to see how it stacks up.
Best Wells Fargo Credit Cards
If you want a no-annual-fee credit card, you will be pleased to know that most of the Wells Fargo credit cards don’t have one. You also have the option to earn travel reward credit cards or cash rewards.
Here’s a preview of some of the best Wells Fargo credit cards.
- Wells Fargo Autograph℠ Card
- Hotels.com® Rewards Visa® Credit Card
- Wells Fargo Visa Signature® Card
- Wells Fargo Active Cash® Card
- And the Wells Fargo Cash Wise Visa® Card
- The Wells Fargo Reflect® Card
- The Wells Fargo Cash Back College Card
- Wells Fargo Secured Credit Card
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Wells Fargo Autograph Card
The Wells Fargo Autograph℠ Card makes it easy to earn rewards points on your daily purchases, and you won’t pay an annual fee or foreign transaction fee.
Cardholders earn unlimited 3x points per $1 on these purchases:
- Restaurants
- Travel
- Gas stations
- Transit
- Popular streaming services
- Phone plans
How can I apply?
You’ll need to apply for the card online since Wells Fargo no longer accepts applications at a branch. And you’ll need to provide:
- The legal business name, phone, and address
- Company tax ID or Social Security number
- The Wells Fargo business account info
- Business Type
- Number of business owners with 25% ownership or greater, to be listed as account guarantors
- Your company’s gross annual revenue
