Best Wells Fargo Credit Cards

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

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.

Frequently Asked Questions (FAQs)

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.

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 Kinds of Credit Cards Does Wells Fargo Issue?

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.

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.

What Type of Credit Is Required for Wells Fargo?

Wells Fargo requires excellent or good credit for the majority of its consumer and business cards, although it does consider those with no credit history for its student card options and those with lower credit scores for its non-rewards and secured card options.

How Does the Wells Fargo Rewards Program Work?

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.

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.

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.