Best Wells Fargo credit cards

The Best Wells Fargo Credit Cards of 2018

Wells Fargo is the third-largest U.S. bank by total assets and one of the top 10 credit card issuers in the country. It offers a variety of cards with various reward systems, features, benefits, and promotions.

But with a whole lineup to choose from, it can be a challenge to find the best one for your needs. No need to spend hours doing research though, because we did it for you.

Below you’ll discover our top picks for the best Wells Fargo credit cards, including who would benefit the most from each one. Let’s get started!

Best Wells Fargo credit cards

The best Wells Fargo personal credit card for you is going to depend on what you value most (i.e., cash back, points, low-cost balance transfers, low fees, flexible approval, etc.). Of the bank’s eight cards, here are the best options:

Best Wells Fargo personal credit card all-around:

Wells Fargo Cash Wise Visa Card

The Cash Wise card comes out ahead when comparing all of the Wells Fargo credit cards. It has a 12-month 0% APR introductory promotion on purchases and balance transfers, a flat 1.5% cash-back rate on all net purchases, and there is no annual fee. The reward system has no categories, no caps, and the points don’t expire.

Further, you can get a $200 bonus when you spend $1,000 within the first three months. You’ll also earn 1.8% in cash-back rewards when paying with ApplyPay or AndroidPay during the first year.

Highlights:

  • Visa
  • No annual fee
  • 0% APR on purchases and balance transfers for 12 months
  • Unlimited 1.5% cash rewards on net purchases
  • The cash rewards program has no quarterly activations or limiting categories
  • Earn extra rewards by shopping in Wells Fargo’s “Earn More “
  • Get $200 cash back if you spend $1,000 in the first three months
  • Get 1.8% cash rewards on net purchases when you shop using your ApplePay or AndroidPay during the first 12 months

Other features and benefits include:

  • 24/7 monitoring for fraud
  • Chip technology
  • Rapid alerts on card activity
  • Zero liability program
  • Cell phone protection when you pay your bill using your card
  • Emergency card replacement and cash disbursement
  • Auto rental collision damage waiver

The Wells Fargo Cash Wise Visa Card is a solid option for people who use their credit card to shop with many different types of merchants.

Learn more about the Cash Wise Visa Card to see if it’s right for you

Best card for gas and restaurants:

Wells Fargo Propel American Express Card

If you are going to use your card primarily to pay for gas and dining out, you can potentially earn more rewards with the Wells Fargo Propel American Express Card. Instead of a cash-back rewards model, it offers a point system in which you get three points per dollar spent on gas and two points per dollar spent at restaurants.

If you have a checking or savings account with Wells Fargo, you will get an additional 10% in rewards points. This card has no annual fee, and it comes with a 12-month 0% APR promotion. There is also a 20,000-point bonus when you spend at least $1,000 within the first three months of having the card. However, the points do expire after five years.

Highlights:

  • American Express
  • No annual fee
  • 0% APR for 12 months on purchases and balance transfers
  • A point-based reward system — you earn three points for every dollar spent at gas stations, two points for every dollar spent at restaurants, and one point on all other net purchases
  • There’s no limit on how many points you can earn
  • Points expire after five years
  • 10% bonus on points for cardholders with a Wells Fargo savings or checking account
  • No foreign currency conversion fees
  • Discount fares for cruises, hotels, and flights
  • A 20,000-point bonus for spending $1,000 within three months of having the card

This card is good for people who:

  • Travel
  • Eat out at restaurants
  • Will use the card to purchase gas
  • Have a Wells Fargo checking or savings account

There’s also a Wells Fargo Propel 365 American Express Card, which is very similar. However, it has an annual fee, no expiration on reward points, higher bonus amounts for certain types of Wells Fargo account holders, and extra benefits and protections. In some cases, this upgraded account may be more beneficial.

Learn more about the Wells Fargo Propel American Express Card

Best 0% APR introductory promotion:

Wells Fargo Visa Signature Card

The Wells Fargo Visa Signature Card offers a 15-month, 0% APR introductory promotion on purchases and balance transfers. This can help cardholders pay down balances without incurring extra costs. It also has no annual fee, a great rewards promotion, a decent ongoing reward point program, and travel benefits.

Compare with the best balance transfer cards of 2017 

While the Rewards Card by Wells Fargo offers a similar APR promotion and rewards program, it doesn’t offer the extensive benefits and has a higher starting range for the APRs.

Highlights:

  • Visa
  • No annual fee
  • A 0% APR 15-month introductory rate for purchases and balance transfers
  • A point-based reward system
  • During the first six months, you will earn five points for every dollar spent on gas, grocery stores, or drug stores, up to a maximum of 50,000 points
  • Earn one point for every dollar spent after the promotion ends
  • Points expire after five years
  • You’ll earn 50% more if you redeem your points for airfare, although you can also redeem it for cash, hotels, cruises, car rentals, brand name merchandise, and more

If you’re a traveler, you can benefit from:

  • Trip cancellation protection
  • Travel accident insurance
  • Lost luggage reimbursement
  • Emergency card replacement and cash disbursement
  • Auto rental collision coverage
  • 24/7 travel and emergency roadside assistance
  • Hotel benefits
  • 24/7 concierge service

Other features include:

  • Cell phone protection
  • Zero liability
  • Overdraft protection
  • Rapid alerts
  • Extended warranty protection
  • Chip technology
  • Purchase security
  • Price protection

For those that travel often and are looking for a no-interest credit card offer, this will likely be a good fit.

Compare other credit cards with interest-free introductory periods. 

Best Wells Fargo credit card for students:

Wells Fargo Cash Back College Card

This card is designed for college students and has no annual fee. It comes with a no-interest period of six months, a reward system, and free access to budgeting and money-tracking tools. Students can also benefit from several extra features and benefits.

Compare other top credit cards for college students

Highlights:

  • Visa
  • No annual fee
  • 0% APR on purchases and balance transfers during the first six months of owning the card
  • Free access to budgeting and tracking tools
  • A cash rewards system– 1% in cash rewards for every one dollar spent on purchases
  • Promotional introductory offer on rewards — for six months, earn 3% cash rewards for every one dollar spent at gas stations, grocery stores, or drug stores
  • Earn more points by shopping at the “Earn More “

Additional features and benefits include:

  • Mobile payment options
  • “Verified by Visa” protection for online shopping
  • Chip technology
  • Overdraft protection
  • Rapid alerts
  • Cell phone protection
  • Auto rental collision damage waiver
  • Roadside service
  • Card replacement
  • Travel and emergency assistance services

Discover more details about Wells Fargo Cash Back College Card

Best Wells Fargo credit card to build credit:

Wells Fargo Secured Credit Card

This secured card is your best Wells Fargo option if you can’t get approved for any others due to no or poor credit history.

Here are the features:

  • Visa
  • $25 annual fee
  • A security deposit is required, and it will be equal to your credit line
  • Card reported to all major credit bureaus
  • Security deposits as low as $300
  • Can be upgraded to an unsecured credit card
  • Free access to budgeting and tracking tools

Additional benefits and features are the same as the Cash Back College Card.

If you can’t get approved for an unsecured credit card, consider using the Wells Fargo secured card to start building your credit.

Compare Wells Fargo against these top-rated secured credit cards

What is the best Wells Fargo business credit card?

Now for the business owners. Wells Fargo offers three credit cards and each is designed for a different type of customer. Here’s what you need to know:

Best overall business credit card:

Wells Fargo Business Platinum Credit Card

The Business Platinum option takes the cake as the best overall card because it has no annual fee, no charge for its reward program, and a promotional 0% APR introductory rate on purchases and balance transfers. As long as your business doesn’t need more than 99 cards and makes under $2 million, this is the way to go.

Highlights:

  • No annual fee
  • Up to 99 cards, no additional card fee
  • No foreign transaction fees
  • Free rewards program: Choose to earn cash back or points — one point or 1.5% cash back is rewarded for every dollar spent
  • Rewards bonus offer — earn $500 if you spend over $5,000 in the first three months or get 1,000 points whenever you spend more than $1,000 in a single billing period
  • Manage and pay online
  • 0% APR on purchases and balance transfers for nine months
  • Additional protection features

Check out the five best business cards of 2018

Best for businesses that need to build credit:

Wells Fargo Business Secured Credit Card

If your business doesn’t yet have credit established or has bad credit, the Business Secured Card can help you build a positive credit line.

Learn more about how to build your business credit

Highlights:

  • Provide a security deposit from $500 to $25,000, and get a corresponding credit line
  • $25 annual fee per card
  • Up to 10 cards
  • No foreign transaction fees
  • May be able to upgrade to an unsecured credit card with responsible use
  • Free rewards programs available — choose the cash-back or point-based system
  • Earn one point or 1.5% cash back on every dollar spent
  • If you choose the point-based system, earn 1,000 points in every billing period that your business spends over $1,000
  • Access free budgeting and tracking tools
  • Gain benefits such as collision insurance on rental cars, roadside assistance, cell phone coverage, and more.

This card is a good entry point for businesses that can’t get approved for other options. While you do have to put the security deposit down upfront and are limited to only ten cards, there is an option to upgrade to an unsecured card down the road. But you can earn rewards in the meantime.

Learn how to get a business loan with bad credit

Best for enterprises:

Wells Fargo Business Elite Card

If your business brings in over $1 million in annual sales and needs more than 99 cards, the Business Elite Card by Wells Fargo is the way to go.

It comes with:

  • No annual fee
  • Up to 200 cards
  • No additional card fee
  • No foreign transaction fee
  • Rewards program available for $75 annual enrollment fee — you can choose from reward points or cash-back
  • Earn 1.5% cash back, or one point for every one dollar spent
  • Spend $25,000 in the first three months and get a $1,000 cash back bonus, or get 5,000 bonus points when you spend over $10,000 in any monthly billing period
  • Access spending controls
  • Manage and pay online
  • Use “Business Elite” online reporting
  • Purchase and travel protections

The downside to this card is the annual fee for the rewards program. However, you also get the potential to earn larger bonuses. Further, it will suit companies that need more than the 99 cards allowed on Wells Fargo Platinum Business card.

What is the annual fee for Wells Fargo credit cards?

Each Wells Fargo credit card has its own terms, but most of them do not charge an annual fee. Those that do include the Wells Fargo Propel 365 American Express Card ($45 per year), the Wells Fargo Secured Credit Card ($25 per year) and the Wells Fargo Business Secured Credit Card ($25 per year).

What is the APR on a Wells Fargo credit card?

The APR on a Wells Fargo credit card will vary based on the card you choose, your creditworthiness, and the U.S. Prime Rate. Most cards have APR rates that range from around 15% for the top-qualified applicants to around 25% for those who are least-qualified. You can look up the card you are most interested in to find the range of rates, and you’ll need to apply to find out which rate you will get.

Learn how to get a lower APR on your credit card

Find the right credit card for you

If you now know the best Wells Fargo credit card for you, that’s great. But keep in mind there are many cards from other issuers that could be even better.

Don’t be so quick to accept an offer until you really know you are accepting the best one.

To do so, compare credit card rates and terms side-by-side today.