Save on Travel, Interest Payments, and More: The Best Wells Fargo Cards Available This Week, Dec. 25, 2025
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It's true: Wells Fargo doesn't offer as many credit cards as competitors like Chase and American Express. But the cards they do offer pack a punch -- making them some of the most competitive cards in their respective categories.
Whether you're looking for cash back, travel rewards, or a great 0% intro APR offer, a Wells Fargo credit card is worth a look. Here are all our favorite options available this week.
Best Wells Fargo credit cards this week
2026 Award Winner
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR for 12 months from account opening on purchases
Balance Transfers: 0% intro APR for 12 months from account opening on qualifying balance transfers
Regular APR
18.49%, 24.49%, or 28.49% Variable APR
Rewards Earn unlimited 2% cash rewards on purchases.
2% cash rewards
Annual Fee
$0
Welcome Offer Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
$200 cash rewards
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This card’s unlimited 2% cash rewards on purchases is the highest we’ve seen for a flat-rate rewards card with no annual fee. It also has an incredibly easy-to-earn $200 welcome bonus after spending $500 in purchases in the first 3 months. The intro APR is decent too -- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers (18.49%, 24.49%, or 28.49% Variable APR applies after). We simply haven’t come across this combination of top perks in one card before.
Read Full Review -
- Unlimited 2% cash rewards
- Long 0% intro APR offer
- Generous cash rewards welcome bonus
- No annual fee
- Cellphone protections
- No bonus categories
- Foreign transaction fees
- Balance transfer fee
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- 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.
2026 Award Winner
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR 0% intro APR for 12 months from account opening on purchases
Purchases: 0% intro APR for 12 months from account opening on purchases
Balance Transfers: N/A
Regular APR
18.49%, 24.49%, or 28.49% Variable APR
Rewards Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.
1X-3X points
Annual Fee
$0
Welcome Offer Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 bonus points
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This card offers unlimited 3X points on common things like restaurants, gas stations, travel, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases. This could be a great pick if you spend a lot in those categories. A solid welcome bonus and cell phone protection are the cherries on top.
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- Strong welcome bonus for a no annual fee card
- Earn Unlimited 3x points on useful categories
- Cellphone protection
- Other cards offer larger bonuses, though they usually come with annual fees
- The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
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- 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.
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49%, 25.49%, or 28.49% Variable APR
Rewards Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
1X-5X points
Annual Fee
$95
Welcome Offer Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip
60,000 bonus points
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This value-packed travel card earns unlimited 3X to 5X points on hotel, airline, travel, and restaurant purchases, plus 1X points on other purchases. It includes useful travel benefits, cellphone protection insurance, and an annual $50 airline credit (with minimum purchase). Its flexible redemption options, including transferring rewards to eligible travel partners, make this a stand-out card for frequent travelers.
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- Generous welcome bonus
- Several bonus reward categories
- Annual statement credit (w/ minimum airline purchase)
- Ability to transfer rewards to travel partners
- Flexible redemption options
- Travel protections
- Cellphone protection
- No foreign transaction fees
- Annual fee
- Limited transfer partners
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- Apply Now 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 on hotels, 4X points on 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.
2026 Award Winner
= Best
= Excellent
= Good
= Fair
= Poor
= Best
= Excellent
= Good
= Fair
= PoorGood/Excellent (670-850)
Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR for 21 months from account opening on purchases
Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers
Regular APR
17.49%, 23.99%, or 28.24% Variable APR
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
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This no-frills card is a solid choice if your priority is to avoid credit card interest for as long as possible. It offers an incredible 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (17.49%, 23.99%, or 28.24% Variable APR after). The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases and balance transfers, this card is hard to beat.
Read Full Review -
- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Balance transfer fee
- Foreign transaction fee
- No rewards program
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- 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.
Which Wells Fargo card should you choose?
As with any issuer, the right credit card depends on how you spend and what you want in return. As you compare Wells Fargo cards, focus on things like:
- Your goal: Want simple cash back, travel rewards, or help paying down debt? Wells Fargo offers cards built for each of these needs.
- Welcome offer: Wells Fargo bonuses are often easier to earn than many competitors. Choose one with a spending requirement you can comfortably meet.
- Extra perks: Some cards include travel benefits, purchase protections, or other features. Always check the details so you know what you're getting.
Are Wells Fargo cards worth it?
For many people, yes. Wells Fargo cards are easy to justify thanks to low or $0 annual fees, simple bonus structures, and useful perks without added complexity.
As with any card, the value depends on how you use it. If you take advantage of the rewards and benefits, it's easy to come out ahead.
Check out our full list of all the best Wells Fargo credit cards to compare more options.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Our Rating |
|---|---|---|---|---|---|
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Wells Fargo Active Cash® Card
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5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for cash rewards on everyday spending
|
$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR for 12 months from account opening on purchases Balance Transfers: 0% intro APR for 12 months from account opening on qualifying balance transfers Regular: 18.49%, 24.49%, or 28.49% Variable APR |
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for cash rewards on everyday spending
|
|
Wells Fargo Autograph® Card
|
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for unlimited rewards
|
20,000 bonus points Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. | 1X-3X points Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases Purchases: 0% intro APR for 12 months from account opening on purchases Balance Transfers: N/A Regular: 18.49%, 24.49%, or 28.49% Variable APR |
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for unlimited rewards
|
|
Wells Fargo Autograph Journey℠ Card
|
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
60,000 bonus points Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip | 1X-5X points Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases. |
Intro: Purchases: N/A Balance Transfers: N/A Regular: 19.49%, 25.49%, or 28.49% Variable APR |
4.80/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor |
|
Wells Fargo Reflect® Card
|
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for long 0% intro APR
|
N/A | N/A |
Intro: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR for 21 months from account opening on purchases Balance Transfers: 0% intro APR for 21 months from account opening on qualifying balance transfers Regular: 17.49%, 23.99%, or 28.24% Variable APR |
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= PoorBest for long 0% intro APR
|
FAQs
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Wells Fargo cards earn either cash rewards or points. Some offer flat-rate rewards on all purchases, while others earn more in categories like travel and dining.
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Some do, but many Wells Fargo cards charge no annual fee.
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Yes. Most (but not all) Wells Fargo cards include a one-time welcome bonus after you meet a minimum spending requirement within the first few months. Terms vary by card.
Our Research Expert
Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.