Best Wells Fargo credit cards of July 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Updated 5:16 a.m. UTC July 1, 2024
Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.
The best Wells Fargo credit cards come with a range of benefits, and depending on your budget and preferences, it may be easy to determine which one is right for you.
What’s more, each of our top picks has no annual fee, so you don’t have to crunch any numbers to determine whether you can get enough value to outpace the cost of each card.
Whether you’re looking for an introductory 0% APR promotion, a high cash-back rate on every purchase you make, rewards on your rent payments or the chance to maximize rewards on everyday spending categories, one of these cards could be a good fit.
Before you apply for a Wells Fargo credit card, be sure to compare these options to other top credit cards from other credit card issuers to determine which one is the right fit for you. While we selected cards with a wide range of features, these may not always be the market’s best offerings or right for your particular needs.
Best Wells Fargo credit cards
- Wells Fargo Reflect® Card *: Best for a long intro APR promotion.
- Wells Fargo Active Cash® Card: Best for cash back.
- Bilt World Elite Mastercard®: Best for renters.
- Wells Fargo Autograph℠ Card: Best for rewards maximizers.
Why trust our credit card experts
Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 6 cards analyzed.
- 5+ data points analyzed.
- 5-step fact-checking process.
Best for a long intro APR promotion
Wells Fargo Reflect® Card
*The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Best for cash back
Wells Fargo Active Cash® Card
Best for renters
Bilt World Elite Mastercard®
Best for rewards maximizers
Wells Fargo Autograph℠ Card
Compare the best Wells Fargo credit cards
N/A
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Why this card made the list
The Wells Fargo Reflect® Card * The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers the longest intro APR promotion currently available on the market (21 months, then the regular APR will kick in), as long as you make your payments on time throughout the promotional period. If you have a single large purchase or multiple expenses coming up, or you want to pay down a high-interest credit card balance, this card can help you save hundreds of dollars on interest.
That said, it doesn’t offer a standard rewards program, so consider it if your only priority is a long intro APR promotion.
- Annual fee: $0.
- Rewards: None.
- Welcome bonus: None.
- Foreign transaction fees: 3% of each transaction converted to U.S. dollars.
- Other benefits and drawbacks: The card also offers up to $600 in cellphone protection when you pay your cellphone bill with the card (subject to a $25 deductible, up to two paid claims per 12-month period). While the card doesn’t offer rewards on every purchase, you can get cash back with select merchants with My Wells Fargo Deals.
Why this card made the list
The Wells Fargo Active Cash® Card offers a flat 2% cash rewards on purchases — one of the highest flat rewards rates available. You also don’t have to jump through any hoops to get the full rewards rate, which is the case with some cash-back credit cards.
The card also offers a decent welcome bonus, and if you want a solid intro APR promotion with a mix of rewards, this card could be an excellent fit.
- Annual fee: $0.
- Rewards: 2% cash rewards on purchases.
- Welcome bonus: $200 cash rewards bonus after spending $500 in purchases in the first three months of account opening.
- Foreign transaction fees: 3%.
- Other benefits and drawbacks: The card offers up to $600 in cellphone protection if you use your card to pay your phone bill (subject to a $25 deductible, up to two paid claims per 12-month period).
Why this card made the list
The Bilt World Elite Mastercard® is the first of its kind, allowing cardholders to use a credit card to pay their rent without charging a transaction fee and even earn 1 point per dollar on that monthly expense (up to 100,000 points each calendar year). Typically, landlords don’t accept credit cards due to the processing fees. But Bilt provides several options that allow you to pay your rent with the card without you or the landlord incurring additional transaction fees.
Another feature that sets the Bilt Mastercard apart from other Wells Fargo credit cards is that you can transfer your rewards to more than a dozen airline and hotel loyalty programs, making it possible for you to get more value out of your points.
- Annual fee: $0.
- Rewards: 1 point per $1 on rent payments without a transaction fee (on up to 100,000 points each year), 2 points per $1 on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), 3 points per $1 on dining and 1 point per $1 on other purchases. At least five transactions must be made per statement period to earn these rewards.
- Welcome bonus: None.
- Foreign currency conversion fee: None.
- Other benefits and drawbacks: The card also offers Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, an Auto Rental Collision Damage Waiver and Cellular Telephone Protection. You’ll need to use the card at least five times per month to earn rewards.
Why this card made the list
If you spend a lot of money in certain areas of your budget, you could potentially rack up more points with the Wells Fargo Autograph℠ Card — it offers triple the rewards on several everyday spending categories. That said, its base rewards rate is on the low side, so you may consider pairing it with a rewards card with a high flat rewards rate for non-bonus spending.
The card also offers an intro APR promotion, but it’s only on purchases, and it’s not as long as what you can get with the Reflect and Active Cash cards.
- Annual fee: $0.
- Rewards: 3 points per $1 at restaurants, travel, gas stations, transit, popular streaming services and phone plans and 1 point per $1 on other purchases.
- Welcome bonus: 20,000 points after spending $1,000 in purchases in the first three months of account opening.
- Foreign transaction fees: None.
- Other benefits and drawbacks: The card also offers up to $600 in cell phone protection against damage or theft (subject to a $25 deductible, up to two paid claims per 12-month period), as well as auto rental collision damage waiver.
Methodology
Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.
Should you get a Wells Fargo credit card?
Wells Fargo offers only a handful of credit cards, but each one offers solid value with no annual fee. If you’re considering a Wells Fargo credit card, it’s important to consider your spending habits and preferences to determine the right one for you.
“Our growing credit card portfolio offers consumers more choice, value and convenience while maintaining the simplicity and security they crave in a card,” says Krista Phillips, head of consumer credit cards and marketing at Wells Fargo. “We remain laser-focused on delivering a best-in-class payments experience, and that includes building high-value card products with benefits and rewards that mean the most to our cardholders and provide more opportunities to maximize their everyday spending.”
The average U.S. household spends $25,087 on credit cards each year, according to our data. With the Wells Fargo Active Cash, you can simply multiply that figure by 0.02 to know how much you’ll earn in rewards on that spending — that’s $501.74 in cash back.
With the Wells Fargo Autograph Card, however, you’ll need to break down your spending into each of the card’s bonus categories to get an idea of how much you can earn.
And if you’re a renter, the Bilt Mastercard allows you to earn up to 100,000 bonus points each year on rent payments alone — that’s worth $1,250 in travel if you book it through the Bilt Travel Portal. Depending on how much you pay in rent, being able to earn rewards on those purchases that you can’t get with any other credit card can make the card worth your while.
In addition to rewards, take some time to consider other features. For example, if you want an intro APR promotion, consider how much time you’d need to pay down the balance. For larger balances, it could make sense to opt for the Wells Fargo Reflect Card, even though it doesn’t offer rewards, so that you can maximize your interest savings.
Finally, it’s important to note that all four of Wells Fargo’s credit cards require good or excellent credit to get approved, so check your credit score before you apply to get an idea of your approval odds.
Before you apply for any credit card, it’s important to take your time to shop around and compare options from multiple card issuers to determine which is the best fit for you.
Guide to Wells Fargo credit cards
Wells Fargo has upped its credit card game in recent years, offering some of the best 0% APR and cash-back credit cards on the market. Its Bilt Mastercard credit card is also the first of its kind, giving renters an opportunity to earn rewards on their rent payments without a transaction fee.
Regardless of which Wells Fargo credit card you choose, here are some features to know:
- My Wells Fargo Deals: The card issuer’s cash-back program is available for all of its cardholders. Using your mobile app, activate personalized deals with individual merchants, then meet the requirements of the deal by the expiration date. You’ll receive the cash back in the form of a statement credit on your account.
- FICO score: All Wells Fargo cardholders can get free access to their FICO score through the card issuer’s Credit Close-Up program. You’ll get monthly score updates and insights to help you build and maintain a good credit history.
- Zero-liability fraud protection: As is customary among major credit card issuers, Wells Fargo offers zero-liability fraud protection. This means that if someone manages to steal your credit card information and use it to make unauthorized purchases, you won’t be liable to pay any of it.
Frequently asked questions (FAQs)
Yes, while most of Wells Fargo’s credit cards run on the Visa network, the Bilt credit card uses Mastercard as its payment processor.
All four Wells Fargo credit cards are designed for consumers with good or excellent credit, so none of them is necessarily more difficult to get approved for than the others.
No, Wells Fargo does not currently offer a luxury credit card.
According to FICO, a good credit score starts at 670, but the card issuer will review other elements of your situation, including your credit history, income and other debt, to determine whether you qualify.
Because all four have the same credit standards, none of the cards is easier to get than the others.
*The information for the Wells Fargo Reflect® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
