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Maximize Your Rewards: Best Wells Fargo Credit Cards for Every Need

Review Updated
Brooklyn Sprunger
Author: Brooklyn Sprunger
Brooklyn Sprunger
Brooklyn Sprunger

Brooklyn leads the content team behind product reviews and ratings at Motley Fool Money, ensuring readers get well-researched, expert-backed insights to make smarter financial decisions. With nearly seven years working full-time in financial content -- four of them at The Motley Fool -- she has developed a deep passion for personal finance, from investing strategies to everyday money management. Her financial goals include buying a house and planning as many trips as her budget allows. In her free time, you’ll likely find her listening to a pop culture podcast or telling anyone who will listen to get a high-yield savings account.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

You've seen the commercials, you've heard your friends rave about it, and now it's time to learn what all the fuss is about. Wells Fargo credit cards offer strong options whether you're looking for cash rewards, travel rewards, or a breather from high-interest debt.

Below, I'll walk you through the good, the bad, and the must-knows of the top Wells Fargo credit cards to help you narrow down which one is right for you.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Our top Wells Fargo picks

Great for balance transfers with a long intro APR: Wells Fargo Reflect® Card (see rates and fees)

  • Get 0% intro APR for up to 21 months from account opening on qualifying balance transfers and purchases (one of the longest intro periods around). Plus, a $0 annual fee.

Great for cash rewards on everyday spending: Wells Fargo Active Cash® Card (see rates and fees)

  • Earn unlimited 2% cash rewards on purchases with no categories to track and a $0 annual fee. Yes, you heard that right -- unlimited.

Best Wells Fargo credit cards

Best for balance transfers: Wells Fargo Reflect® Card

Ratings Methodology
Award Icon 2025 Award Winner

Wells Fargo Reflect® Card

Great for: Balance transfers

Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Reflect® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Reflect® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

17.24%, 23.74%, or 28.99% Variable APR

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • 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 intro APR. The balance transfer fee (5%; $5 min.) is higher than some cards, but if you want an equally long intro APR on purchases, 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
    • 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. 17.24%, 23.74%, or 28.99% 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.

The Wells Fargo Reflect® Card (see rates and fees) is one of the best balance transfer cards out there for people who need time to pay down a balance. It offers up to 21 months from account opening of 0% intro APR (almost two years of breathing room).

And, there are no annual fees to worry about, so every dollar you save goes straight toward your financial goals.

Just know: This card doesn't offer rewards. It's a tool to help you manage debt, not to earn cash rewards or points long term. I'd recommend using it to get out of debt, and then take on another rewards-earning card from Wells Fargo.

Best for flat-rate, unlimited cash rewards: Wells Fargo Active Cash® Card

Ratings Methodology
Award Icon 2025 Award Winner

Wells Fargo Active Cash® Card

Great for: Flat-rate, unlimited cash rewards

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Active Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. 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
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. 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
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

  • 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 and a decent intro APR offer. 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
    • 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. 19.24%, 24.24%, or 29.24% 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.

That sweet, sweet word I love: unlimited. If you want a credit card that gives you rewards with no restrictions, the Wells Fargo Active Cash® Card (see rates and fees) is one of my favorite choices. You'll earn unlimited 2% cash rewards on all purchases, with no rotating categories or spending caps.

While it's a fantastic all-around card, if you tend to spend heavily in one or two categories (like travel or dining), you'll probably be able to squeeze even more rewards out of a more specialized cash back card.

Best for everyday rewards: Wells Fargo Autograph® Card

Ratings Methodology
Award Icon 2025 Award Winner

Wells Fargo Autograph® Card

Great for: Everyday rewards

Apply Now for Wells Fargo Autograph® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Autograph® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. 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
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. 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
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Wells Fargo Autograph® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR on purchases for 12 months from account opening

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: N/A

Regular APR

19.24%, 24.24%, or 29.24% Variable APR

Rewards Circle with letter I in it. 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 Circle with letter I in it. 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

  • 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.

    • 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
    • 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. 19.24%, 24.24%, or 29.24% 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.

The Wells Fargo Autograph® Card (see rates and fees) offers the coveted duo of travel rewards and points on everyday purchases too. You'll get 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans -- all with no annual fee. And the points are flexible and easy to redeem, especially for travel.

If you prefer luxury perks like airport lounge access or premium hotel benefits, though, a more high-end travel card might be a better match.

Best for travel rewards: Wells Fargo Autograph Journey℠ Card

Ratings Methodology

Wells Fargo Autograph Journey℠ Card

Great for: Travel rewards

Apply Now for Wells Fargo Autograph Journey℠ Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Wells Fargo Autograph Journey℠ Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. 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
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Apply Now for Wells Fargo Autograph Journey℠ Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24%, 25.24%, or 29.24% Variable APR

Rewards Circle with letter I in it. 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 Circle with letter I in it. 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

  • 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.

    Read Full Review
    • 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
    • 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.

The Wells Fargo Autograph Journey℠ Card (see rates and fees) builds on everything I like about the original Wells Fargo Autograph® Card, but levels it up for travelers (at the cost of a $95 annual fee). You'll earn even higher rewards on travel purchases like hotels and airlines, making it a great pick if you're a frequent traveler. And the best part -- the welcome bonus is one of Wells Fargo's best: Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip (hello, free flight).

Note, if you don't travel often enough to maximize the rewards, or if you prefer a no-annual-fee card, the original Wells Fargo Autograph® Card will be a better fit.

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

Our highest-rated credit cards have:

  • ​​High value through rewards or 0% intro APR offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

Our highest-rated credit cards have:

  • ​​High value through rewards or 0% intro APR offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

How do I know which Wells Fargo card is right for me?

Choosing a Wells Fargo card is a little easier than with some other issuers. Instead of offering a dozen similar options, Wells Fargo keeps it simple with one standout card in each major category. As long as you know your goals, picking the right card should be straightforward.

Start by thinking about what you want most. If you want to earn easy cash rewards on everything, the Wells Fargo Active Cash® Card is a good pick. If you're more focused on saving money on interest, the Wells Fargo Reflect® Card offers one of the longest intro APR periods out there. And if you spend a lot on travel, dining, or gas, the Wells Fargo Autograph® Card could help you maximize rewards.

The key is to match the card to your lifestyle -- that's where you'll find the most value.

Can I have more than one Wells Fargo credit card?

You sure can, and really they're likely more powerful combined anyway. But keep in mind that Wells Fargo has application rules. For example, you generally can't open multiple cards within a very short period, and you might need to wait six months between approvals.

FAQs

  • Wells Fargo tends to focus on straightforward rewards, no annual fees, and strong intro offers. While they might not offer as many premium travel perks as some issuers like American Express or Capital One, they're a great choice for simple, high-value cards.

  • Most Wells Fargo credit cards require good to excellent credit, typically meaning a FICO® Score of 670 or higher. Higher scores generally improve your chances of approval and better terms.

  • If you're approved, Wells Fargo typically mails your card within seven to 10 business days. Some applicants may get instant approval, while others might take a few days for review.

  • Yes, Wells Fargo sometimes offers product changes if you're eligible. You may be able to switch to a different card without a hard credit pull -- just reach out to customer service to ask about your options.