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If you're looking for a high-value credit card that doesn’t add to your expenses with an annual fee, Wells Fargo has you covered. The card issuer's lineup includes great options for earning rewards and financing expenses at a 0% intro APR -- it all depends on what you need. To help you find what you're looking for, we've picked out the best Wells Fargo credit cards with the top perks.
Great for: No annual fee card with robust rewards
Good/Excellent (670-850)
Intro APR 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
20.24%, 25.24%, or 29.99% 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 N/A
$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
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. Read Full Review
Great for: Unlimited cash rewards
Good/Excellent (670-850)
Intro APR 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers
Purchases: 0% intro APR, 15 months from account opening
Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Rewards Earn unlimited 2% cash rewards on purchases.
2% cash rewards
Annual Fee N/A
$0
Welcome Offer 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 generous intro APR offer. We simply haven’t come across this combination of top perks in one card before. Read Full Review
Great for: 0% intro APR offer
Good/Excellent (670-850)
Intro APR 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
18.24%, 24.74%, or 29.99% Variable APR
Rewards
N/A
Annual Fee N/A
$0
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. The balance transfer fee (5%, min: $5) is higher than some cards — but if you want an equally long intro APR on purchases, then this card is hard to beat. Read Full Review
Wells Fargo hasn't always been the best issuer regarding credit card perks. In the past, consumers found the card issuer's benefits lacking. However, with the introduction of several valuable rewards cards, Wells Fargo has made it clear it's ready to compete with some of the best credit cards we've seen. But before you start filling out a credit card application, read everything you need to know about Wells Fargo cards in this guide.
Wells Fargo is one of the largest banks in the United States and the world. As such, it offers many financial services, including:
As a credit card issuer, Wells Fargo focuses on quality over quantity. It has a smaller lineup of cards than many big credit card companies. But the cards it offers are all high quality and competitive with the leaders in their respective card categories (cash back, 0% intro APR offers, student credit cards, etc.).
READ MORE: Check out our Wells Fargo bank review to learn more about the range of accounts and services it offers.
The biggest perks of the best Wells Fargo credit cards are that they don't charge annual fees, and they all have valuable features that can save you money or help you reach your personal finance goals.
For example, if you want to earn rewards, Wells Fargo's rewards cards have excellent rewards rates and welcome offers. Need a 0% intro APR? Multiple Wells Fargo cards have lengthy 0% intro APR offers on purchases and balance transfers. If you're a college student looking to establish credit, you can find a Wells Fargo card for that as well.
READ MORE: Review our list of the best credit cards for students.
Wells Fargo has plenty of room for improvement regarding travel perks. Several other card issuers have impressive lineups of travel rewards cards. These cards earn points you can use to book trips and include benefits to improve your travels. Unfortunately, Wells Fargo is lacking in this area.
Some Wells Fargo cards let you use your points at a fixed cash rate to purchase travel, but that's about it. Wells Fargo doesn't have airline or hotel partners to which you can transfer rewards to score high-value redemptions. And it doesn't have cards offering top travel perks, such as spending credits or airport lounge access.
READ MORE: Not sure which credit card is right for you? Learn how to choose a credit card in four easy steps.
With the current lineup of the best Wells Fargo credit cards, you could benefit from one of its cards in any of the following situations:
LEARN MORE: Here's what you need to know about the Wells Fargo credit card application rules before you apply.
And, of course, if you're interested only in no annual fee credit cards, you can safely pick any option from Wells Fargo.
Card | Rating | Great For |
---|---|---|
2024 Award Winner
|
Rating image, 4.50 out of 5 stars.
4.50/5
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 |
Great For: No annual fee card with robust rewards |
Rating image, 5.00 out of 5 stars.
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 = Poor |
Great For: Unlimited cash rewards |
|
2024 Award Winner
|
Rating image, 4.50 out of 5 stars.
4.50/5
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 |
Great For: 0% intro APR offer |
Wells Fargo is one of the largest banks in the United States and the world. As such, it offers many financial services, including checking accounts, savings accounts, mortgages, credit cards, investment accounts, and wealth planning.
The most notable perks of Wells Fargo credit cards are that they don't charge annual fees and have valuable features that can save you money or help you reach your financial goals.
Wells Fargo has plenty of room for improvement when it comes to travel perks. Several other card issuers have impressive lineups of travel rewards cards. These cards earn points you can use to book trips and include benefits to improve your travels. Unfortunately, Wells Fargo is lacking in this area.
Our Credit Cards Experts
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