Wells Fargo offers credit cards for earning rewards, financing purchases and unique perks like cell phone protection.
And now, cards like the Wells Fargo Autograph Journey℠ Card and Wells Fargo Autograph® Card provide transferable travel rewards. If you own either of these cards, you can combine rewards earned from other Wells Fargo cash back cards and transfer them to Wells Fargo's travel partners.
Here, CNBC Select reviews the top Wells Fargo credit cards across categories to help you choose the best card for your spending habits.
Best Wells Fargo credit cards
- Best for cash rewards: Wells Fargo Active Cash® Card
- Best for everyday spending: Wells Fargo Autograph® Card
- Best for balance transfers: Wells Fargo Reflect® Card
- Best for travel rewards: Wells Fargo Autograph Journey℠ Card
- Best for lifestyle rewards: Wells Fargo Attune℠ World Elite Mastercard®
- Best for business: Signify Business Cash℠ Card by Wells Fargo
Best for cash rewards: Wells Fargo Active Cash
Who's this for? If simple cash rewards are what you're looking for, the Wells Fargo Active Cash® Card has you covered with an unlimited 2% cash rewards on eligible purchases. This is the highest flat cash rewards rate available among Wells Fargo credit cards.
Standout benefits: The Wells Fargo Active Cash offers a low intro APR on purchases and balance transfers, plus a cell phone protection benefit of up to $600 against damage or theft (subject to a $25 deductible).
The Wells Fargo Active Cash® Card is great if you want simplicity thanks to its flat-rate 2% unlimited cash rewards on purchases and $0 annual fee.
- High flat-rate return on purchases
- Intro-APR for purchases and qualifying balance transfers for a year
- No annual fee
- Cell phone protection
- Has a foreign transaction fee
- Limited redemption options unless you pair it with a Wells Fargo card that allows point transfers
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Balance Transfer Fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Foreign Transaction Fee
3%
Best for everyday spending: Wells Fargo Autograph
Who's this for? The Wells Fargo Autograph Card is a top choice for earning rewards in popular spending categories, earning 3X points on travel, restaurants, gas stations, transit, select streaming services and phone plans.
Standout benefits: With the Wells Fargo Autograph, you can transfer the rewards you earn to all of Wells Fargo's travel partners. This redemption option is rare to find with a no-annual-fee travel card. Cardholders can also take advantage of cell phone insurance and a low intro APR, and there are no foreign transaction fees.
The Wells Fargo Autograph® Card offers generous bonus spending categories and lets you transfer points to airline and hotel partners, which is rare for a credit card with no annual fee.
- Access to all of the Wells Fargo transfer partners including Flying Blue (Air France/KLM) and Virgin Red
- No annual fee
- Excellent bonus spending categories
- Intro-APR for purchases
- No travel credits or other valuable travel perks
- Lacks key travel protections such as trip delay reimbursement and trip cancellation/interruption coverage
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Balance transfer fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Foreign transaction fee
None
Best for balance transfers: Wells Fargo Reflect
Who's this for? The Wells Fargo Reflect gives you nearly two years to chip away at debt without incurring interest charges. Get a 0% intro APR for 21 months on new purchases and qualifying balance transfers from account opening (then 17.49%, 23.99% or 28.24% variable APR). Balance transfers made within 120 days qualify for the introductory rate, and a balance transfer fee of 5%, minimum $5, applies.
Standout benefits: This no-annual-fee card doesn't earn rewards, but you can access My Wells Fargo Deals, an opt-in cash back program for specific retailers that provides discounts on purchases made with the card. The Wells Fargo Reflect also offers the same cell phone protection benefit as rewards-earning Wells Fargo cards.
The Wells Fargo Reflect® Card can help you save on interest charges thanks to its extra generous intro-APR offer on purchases and qualifying balance transfers.
- Best-in-class intro-APR for purchases and qualifying balance transfers
- No annual fee
- Cell phone insurance: up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible
- No rewards
- No welcome bonus
- High balance transfer fee
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Balance transfer fee
5%, min: $5
Foreign transaction fee
3%
Best for travel rewards: Wells Fargo Autograph Journey℠ Card
Who's this for? The Wells Fargo Autograph Journey℠ Card is Wells Fargo's first foray into the world of transferable travel rewards. It earns 5X points with hotels, 4X points with airlines and 3X points on other travel and at restaurants.
Standout benefits: You can transfer your rewards to eight different travel partners, including JetBlue and Choice Privileges. The card also offers an annual $50 statement credit with a minimum $50 airline purchase and access to various travel insurance benefits, including trip interruption/cancellation coverage and lost luggage reimbursement.
The Wells Fargo Autograph Journey℠ Card offers generous rewards on travel and dining purchases, along with flexible redemption options, all for a modest annual fee.
- Excellent rewards rate for hotel, airfare and travel
- Strong welcome bonus
- Access to all of the Wells Fargo transfer partners including Flying Blue (Air France/KLM) and Virgin Red
- Easy-to-use airline credit; Built-in cell phone protection
- Fewer transfer partners than comparable programs
- No intro APR offer
Highlights
Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.
- Select Learn More to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that's $600 toward your next trip.
- Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Balance Transfer Fee
3% intro for 120 days from account opening, then up to 5%, min: $5
Foreign transaction fee
None
Best for lifestyle rewards: Wells Fargo Attune
Who's this for? If a lot of your spending falls within health, wellness, entertainment and other lifestyle categories, the Wells Fargo Attune earns an unlimited 4% cash rewards on: self-care, select sports, recreation and entertainment and impactful purchases.
Standout benefits: These three overarching categories cover everything from gym memberships and beauty salons to amusement parks and bookstores. The Wells Fargo Attune also offers a low intro APR on purchases and cell phone protection.
Wells Fargo Attune℠ World Elite Mastercard®
Rewards
Earn 4% cash rewards on fitness and wellness; 4% cash rewards on select sports, recreation, and entertainment (including live shows and sporting events); 4% cash rewards on gardening and floral stores, as well as pet supplies, boarding and grooming; 4% cash rewards on public transit, EV charging stations, and select thrift stores. Plus earn 1% cash rewards on other purchases
Welcome bonus
Earn $100 in cash rewards when you spend $500 in qualifying purchases during the first 3 months after account opening.
Annual fee
$0
Intro APR
0% on purchases for the first 12 months after account opening
Regular APR
18.49%, 24.49%, or 28.49% variable based on your creditworthiness
Balance transfer 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.
Foreign transaction fee
3% of each transaction converted to U.S. dollars
Credit needed
Excellent/Good
Terms apply
Pros
- Earns bonus rewards in categories not typically seen in rewards cards
- No annual fee
- Introductory APR on purchases
Cons
- Foreign transaction fee
- No introductory APR on balance transfers
Best for business: Signify Business Cash℠ Card by Wells Fargo
Who's this for? If you're a small business owner looking for a simple way to earn rewards on business-related purchases, the Signify Business Cash℠ Card by Wells Fargo is a good choice. You can earn 2% cash rewards on purchases, with no spending cap or bonus categories to track.
Standout benefits: The Wells Fargo Signify Business doesn't charge an annual fee, and you can add employee cards at no additional cost. If you have a large, upcoming business expense, the card also features a low intro APR on purchases.
- High flat-rate rewards
- Intro APR for a year on purchases
- No annual fee
- Airport lounge access has a per-visit fee
- Has a foreign transaction fee
Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™.
How to choose a Wells Fargo credit card
The right Wells Fargo credit card for you will depend on your overall goal for opening a credit card. Do you need help paying off credit card debt? Are you interested in earning rewards on a variety of spending categories? Is travel and maximizing your rewards value your top priority?
To help narrow down your choices, here are a few key considerations:
- Rewards: You can choose between travel rewards, flat-rate cash back or cash back bonus categories. Ultimately, it's important to consider where you spend the most and whether you already have cards in your wallet that earn higher rates or rewards on similar categories.
- Intro APRs: While most of the cards on this list offer a low introductory APR on purchases, balance transfers or both, only the Wells Fargo Reflect features a meaningfully long offer. If you're dead set on earning rewards while paying off debt, you may need to consider top 0% intro APR cards from other issuers.
- Access to travel partners: If you want access to Wells Fargo transfer partners, you'll need either the Wells Fargo Autograph Journey or Wells Fargo Autograph. Once one of these cards is in your arsenal, you can apply for a cash-back earning Wells Fargo card and pool rewards.
- Annual fee: All of the cards on this list are no-annual-fee credit cards, aside from the Wells Fargo Autograph Journey ($95 annual fee). If you're interested in a travel card without a yearly fee, consider our list of the best no-annual-fee travel cards.
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Why trust CNBC Select?
At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best Wells Fargo credit cards.
Our methodology
To determine which credit cards offer the best value, CNBC Select analyzed Wells Fargo credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.
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