Best Wells Fargo Credit Cards

Find the right Wells Fargo credit card for you

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The best Wells Fargo credit cards provide competitive cash back, points, and/or consumer-friendly terms like no annual fees (or annual fees that are easily justified based on rewards), introductory interest rates, and one-time bonuses. Wells Fargo has cards for multiple market segments, offering rewards for consumers, students, and small business owners interested in various types of reward earning and redemption methods. We reviewed Wells Fargo's most popular consumer and business credit cards and chose the ones below as the best in four valuable categories.

Best Wells Fargo Credit Cards for October 2021

Best Overall/Best Cash Back : Wells Fargo Cash Wise Visa® Card


Rating as a Wells Fargo Card
4.8
Wells Fargo Cash Wise Visa® Card
Current Offer

Get $150 cash rewards bonus when you spend $500 in purchases in the first 3 months.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.49% - 24.99% variable
Annual Fee $0
Rewards Earning Rate Earn 1.5% cash rewards on everyday purchases.
INTRO PURCHASE APR 0% for 15 Months
INTRO BALANCE TRANSFER APR 0% for 15 Months
Balance Transfer Fee Either $5 or 3% (for 120 days, then 5%) of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 3%
  • Why We Chose This Card:
  • Pros & Cons
Why We Chose This Card:

We chose the Wells Fargo Cash Wise as the best cash back option from Wells Fargo because of its solid 1.5% cash back on all spending. That, coupled with no annual fee, makes this a perfect card for those who just want a simple rewards structure without special spending categories to keep track of or the need to earn enough rewards to justify an annual fee. New cardholders can earn a $150 bonus after spending just $500 within three months. Plus, there is a 0% APR offer on purchases and balance transfers for 15 months from account opening.

Pros & Cons
Pros
  • Unlimited 1.5% cash-back rewards on all purchases

  • Introductory 0% APR for 15 months on purchases and balance transfers for 15 months from account opening

  • Cell phone protection

Cons
  • No bonus categories

  • Rewards subject to redemption thresholds

  • 3% foreign transaction fee

Best Business : Wells Fargo Business Platinum Credit Card


Rating as a Wells Fargo Card
4.4
Wells Fargo Business Platinum Credit Card
Current Offer

Get a one-time $500 cash back bonus or 50,000 bonus points when you enroll in the Business Card Rewards Program and spend $5,000 in the first three months of account opening.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 11.24% - 21.24% variable
Annual Fee $0
Rewards Earning Rate Earn 1.5% cash back on every $1 spent.
INTRO PURCHASE APR 0% for 9 Months
INTRO BALANCE TRANSFER APR 0% for 9 Months
Balance Transfer Fee See Bank Terms
Cash Advance APR (%) 23.99%
Cash Advance Fee See Bank Terms
  • Why We Chose This Card:
  • Pros & Cons
Why We Chose This Card:

We chose the Wells Fargo Business Platinum Credit Card as the best business card from Wells Fargo because it offers the simple cash back and no annual fee structure as the consumer Cash Wise card, making it a good option for business owners who appreciate the straightforward value and lack of complication. Up to 99 employee cards can be added at no charge to earn additional cash back on business purchases. Unlike Cash Wise, though, Business Platinum provides the choice of cash back or points. A substantial one-time cash back or points bonus is also a nice opportunity after you meet the card's initial spending requirements.

Pros & Cons
Pros
  • Flexible rewards structure

  • 0% introductory APR

  • No charge for employee cards

Cons
  • Annual sales must be below $2 million

  • Limited benefits

  • Small one-time bonus compared to spending requirement

Best Balance Transfer : Wells Fargo Platinum Card


Rating as a Wells Fargo Card
3.5
Wells Fargo Platinum Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.49% - 24.49% variable
Annual Fee $0
INTRO BALANCE TRANSFER APR 0% for 18 Months
INTRO PURCHASE APR 0% for 18 Months
Balance Transfer Fee Intro fee of 3% ($5 minimum) for the first 120 days your account is open, then 5% ($5 minimum).
Rewards Earning Rate This card does not offer a rewards program.

As of October 1st, 2021, Wells Fargo is no longer accepting applications for this card, but the bank now offers a similar card: Wells Fargo Reflect.

  • Why We Chose This Card:
  • Pros & Cons
Why We Chose This Card:

The Wells Fargo Platinum Visa is our winner for the best balance transfer card from Wells Fargo because of its introductory offer of 0% APR for 18 months on transfers made within 60 days of account opening. This is one of the longest 0% APR promotions from any bank, which gives you extra time to pay off your balance with no interest. There is a 3% transfer fee, but that can likely be justified given the potential savings in interest during the introductory period.

Pros & Cons
Pros
  • Good 0% intro APR periods

  • Cell phone protection

Cons
  • No rewards program

  • Foreign transaction fees

Best Student : Wells Fargo Cash Back College℠


Rating as a Wells Fargo Card
3.9
Wells Fargo Cash Back College℠
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 11.15% - 21.15% variable
Annual Fee $0
Rewards Earning Rate 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months. 1% cash rewards for each $1 spent on virtually all other purchases with your card.
INTRO PURCHASE APR 0% for 6 Months
INTRO BALANCE TRANSFER APR 0% for 6 Months
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 3%
  • Why We Chose This Card:
  • Pros & Cons
Why We Chose This Card:

The Wells Fargo Cash Back College Student card is Investopedia's pick for best student card from Wells Fargo because of its lucrative cash back earnings structure on popular spending categories during the first six months. Once the introductory promotion expires, you'll still earn an unlimited 1% cash back on every purchase. The lack of an annual fee can make this a good card for starting one's credit journey in college before upgrading to an even better Wells Fargo rewards card after graduation.

Pros & Cons
Pros
  • Introductory offers

  • 0% APR promotion

  • Generous benefits for a student card, including cell phone protection

Cons
  • Existing Wells Fargo relationship required to apply online

  • Low cash back rate for ongoing rewards

  • You must have at least $20 in rewards to redeem

Final Verdict

Wells Fargo has competitive credit cards for both consumers and small business owners. Whether you're looking for rewards, benefits, or a 0% APR offer, Wells Fargo has a credit card that can meet your needs. Our choice for the best Wells Fargo credit card is the Wells Fargo Cash Wise Visa Card because of its unlimited 1.5% cash back, no annual fee, and new cardholder offers. Additionally, it is available to most consumers because it is targeted to people with good credit scores and above.

Compare the Best Wells Fargo Credit Cards

Credit Card Intro Offer Rewards Annual Fee Regular APR Minimum Credit Score
Wells Fargo Cash Wise Visa® Card
Best Overall/Best Cash Back
$150 after $500 in 3 months; 0% APR on purchases and balance transfers for 15 months Unlimited 1.5% $0 14.49% to 24.99% 670
Wells Fargo Business Platinum Credit Card
Best Business 
$300 or 30,000 points after $3,000 within 3 months; 0% APR on purchases and balance transfers for 9 months Unlimited 1.5% or 1 point per $1 plus 1,000 bonus points each month you spend $1,000 $0  11.24% to 21.24%  670 
Wells Fargo Platinum Card
Best Balance Transfer 
0% APR on purchases and balance transfers for 18 months None $0  16.49% to 24.49%  670 
Wells Fargo Cash Back College℠
Best Student 
3% on up to $2,500 in gas, grocery, and drugstore purchases during first 6 months Unlimited 1% $0  11.15% to 21.15%  350

Editorial Picks for the Best Wells Fargo Credit Cards

Wells Fargo Cash Wise Visa® Card

Best Overall/Best Cash Back

Earn unlimited cash back without activating promotions or needing to remember bonus categories. A new cardholder bonus is available after spending just $500 within three months.

Read the full Wells Fargo Cash Wise Visa® Card Review.

Wells Fargo Business Platinum Credit Card

Best Business

Business owners can choose between unlimited 1.5% cash back or 1 point for every $1 spent and a bonus when you spend at least $1,000 each month. You can add up to 99 employee cards at no charge to earn rewards on their spending.

Read the full Wells Fargo Business Platinum Credit Card Review.

Wells Fargo Platinum Card

Best Balance Transfer

Enjoy up to 18 months of interest-free financing on purchases and balance transfers. The card has limited appeal after the introductory interest rate promotion expires.

Read the full Wells Fargo Platinum Card Review.

Wells Fargo Cash Back College℠

Best Student

College students can build their credit while earning cash back rewards. Low credit score requirements should make it easier to be approved.

Read the full Wells Fargo Cash Back College℠ Review.

Types of Wells Fargo Credit Cards

Wells Fargo primarily issues Visa cards, along with a Mastercard option for its business secured card. It doesn't issue any cards on the Discover or American Express networks. Wells Fargo's cards include points and cash back rewards and secured card options for consumers and small businesses, along with a card for college students.

Its credit cards generally fall within these categories:

  • Cash back
  • Flexible points
  • Balance transfer credit cards
  • Co-branded cards
  • Student credit cards
  • Small business cards
  • Secured credit cards

While Wells Fargo does offer a secured credit card for small businesses, it does not currently offer a secured credit card for consumers.

How the Wells Fargo Rewards Program Works

Wells Fargo rewards points are earned at various levels based on the particular card. Cash back is earned as a percentage back on purchases, both as cash back and with enhanced earnings for certain purchase categories during introductory periods with its college student rewards card.

Is a Wells Fargo Credit Card Right for Me?

Wells Fargo offers several credit cards for consumers and small businesses that earn rewards and offer attractive benefits and 0% APR promotions. Many of its cards earn cash back or flexible points that allow customers to use their rewards in many ways. Promotions with 0% APR give customers extra time to pay off purchases or balances transferred from another credit card.

Wells Fargo Credit Card Benefits

Credit cards from Wells Fargo offer numerous benefits depending upon the card that you select. Here are a few of the benefits that you may be offered on your credit card:

  • Free FICO score
  • Auto rental collision damage waiver
  • Cell phone insurance
  • Trip cancellation protection
  • Lost luggage reimbursement

Fees on Wells Fargo Credit Cards

Currently, consumer credit cards from Wells Fargo do not charge an annual fee. However, most charge a foreign transaction fee of 3% on international purchases. Additionally, you may be charged up to $40 for a late or returned payment.

Interest Rates

Interest rates for Wells Fargo credit cards are variable based on the Prime Rate. Most cards have a range of interest rates that are based on your creditworthiness. Standard APRs are as low as 11.15% and as high as 24.99%, depending on your personal information and which card you apply for.

What Credit Score Do I Need to Qualify for a Wells Fargo Credit Card?

Wells Fargo offers credit cards for consumers and small business owners with good (670 FICO) credit and above. It does not offer a secured credit card for consumers, but it does have a business secured credit card. Wells Fargo does not offer cards targeted to consumers with no credit history or poor credit (below 670 FICO). However, college students can start to build credit with its student credit card.

To apply for a Wells Fargo consumer credit card, you'll need to provide the following information:

  • First and last name
  • Address
  • Email and phone number
  • Social Security number
  • Date of birth
  • Mother's maiden name
  • Country of citizenship
  • Housing status
  • Monthly mortgage or rent payment
  • Employment status and occupation
  • Employer name and phone number
  • Years at current employer
  • Total annual income
  • Is any portion of your income non-taxable?

After submitting an application, most people receive an immediate decision. If the system is unable to approve you, you should receive a letter requesting more information or explaining the bank's decision within seven to 10 business days.

Keep in mind that you may not eligible for a new card bonus or 0% APR offer if you opened a Wells Fargo credit card in the last 15 months and received a bonus or APR offer on that card.

How Good Is Wells Fargo Customer Service?

Wells Fargo ranked eighth out of 11 national card issuers in the J.D. Power 2020 U.S. Credit Card Satisfaction Study. The bank received a below average score. Some of Wells Fargo's satisfaction rating may be a negative perception holdover from its retail banking scandal, when the bank had to make restitution for opening millions of accounts on behalf of customers without their consent. The banking giant is under new management, so time will tell if its customer service ratings improve.

What Is the History of Wells Fargo?

Wells Fargo is one of the oldest banking organizations in the U.S., formed in 1852 as an express and banking company in California by the same founders as American Express—Henry Wells and William Fargo—to take advantage of the booming gold rush that began in 1848. Through multiple mergers and acquisitions over the years, which included Crocker National Bank, Norwest, and Wachovia, Wells Fargo is now a super bank with coast-to-coast operations and well over $1 trillion in assets. Its credit card operations rank eighth in the U.S., just behind Discover in terms of outstanding balances.

Methodology

To determine the best Wells Fargo credit cards, we reviewed each of the available credit cards from its site. We gathered data points from each card, such as annual fee, interest rate, rewards earned, benefits, and more. Scores were assigned to all data points so that cards could be compared against each other and ranked for each type of customer. The cards with the highest scores were chosen as our favorites for each category. We continuously monitor this information for changes to ensure that our rankings and recommendations are up-to-date for our readers.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com. 

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. J.D. Power. "Customers Losing Faith in Credit Card Issuers as COVID-19 Pandemic Lingers, J.D. Power Finds." Accessed Feb. 4, 2021.