Best Wells Fargo Credit Cards

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One of the most interesting things about Wells Fargo’s roster of credit cards is their scarcity – rather than offer you dozens of options based on every conceivable angle for a credit card holder, they prefer to provide six simple, straightforward cards that function as well-rounded options for customers seeking cards that aren’t so complicated.

While there are some specialty cards, of course (cards for students, or for those seeking to rebuild credit), most Wells Fargo cards just vary in their rewards programs. Most can take advantage of their rewards-sharing program Go Far Rewards (more on that later), and a lot of them benefit from decent, if unremarkable, travel rewards and cash back.

If you’re looking for the best Wells Fargo credit card on the market, we’ve got your back – let’s take a look at the lion’s share of their options and see who each card might be perfect for.

Wells Fargo Cash Wise Visa Card

On Chase's home portal

700-750
Best for good credit

Highlight: Good general cash back rewards and no annual fee
  • Unlimited 1.5% cash back rewards on all purchases

  • $0 annual fee

  • $200 cash rewards signup bonus

  • 24/7 Fraud Monitoring

  • Zero Liability Protection

  • 0% introductory APR for 12 months

Intro APR

0%

Variable APR

14.49% - 26.49%

Annual Fee

$0

Cash Back

1.5%

Why It's Good

In Wells Fargo’s selective repertoire, The Cash Wise Visa Card is the only cash back rewards card they have, so it’s a must for cardholders who prefer that to points or miles. As cards go, it’s fairly simple – a flat-rate cash back rewards card where you earn 1.5% cash back on every purchase.

There are a few bonuses, depending on how you use it and when – for the first 12 months, you can get 1.8% cash back on mobile purchases, if you use Apple Pay or Android Pay.

Also, if you make at least $1,000 in purchases in the first three months of opening the account, you can get a $200 cash back bonus. It’s a nifty signup incentive, but one that’s de rigueur for most cards of this type.

Luckily, like with most Wells Fargo credit cards, there’s no annual fee and a generous introductory APR (0% for 12 months), making it easy to invest in this card with little commitment up front.

Overall, the Cash Wise Visa Card is the best Wells Fargo credit card for people who prefer cash back as their primary mode of rewards redemption. It’s got basic rewards programs that aren’t too complicated, and its no annual fee and year of zero-interest spending are good enough reasons to invest in this as your primary workhorse card.

Wells Fargo Secured Credit Card

On Chase's home portal

640 - 700
Best for fair credit

Highlight: Below average annual fee and APR among cards that have them
  • $25 annual fee

  • 20.49% APR

  • Credit line based on security deposits

  • Good for building credit

  • Unsecured credit card eligibility

  • Account alerts

  • Budgeting tools

Intro APR

None

Variable APR

20.49%

Annual Fee

$25

Main Perk

Building Credit

Why It's Good

If you are just getting your start in handling credit, or need to rebuild it after some bad circumstances in the past, the Wells Fargo Secured Credit Card is a welcome option. It essentially functions like a prepaid card – you place a set amount of money on the card as a ‘security deposit,’ which then comprises your credit line.

Because it’s a simple, secured credit card, there are no rewards options, nor is there an introductory APR. There’s even a $25 annual fee, which places it behind a lot of Wells Fargo’s other cards. If you’ve already got good credit, this may not be the card for you.

However, for those who need to get their credit back up to snuff, the Wells Fargo Secured Credit Card serves as a no-frills stepping stone. It doesn’t offer much beyond the ability to reliably build your credit back up with on-time payments and skillful balance handling, with the prospect of ‘graduating’ to an unsecured credit card if your performance is high enough.

Simply put, don’t get the Wells Fargo Secured Credit Card unless you’re in a position with your credit where your options are limited. It’s a lifeline for those with average-to-poor credit to build their scores back up. Despite having some standard amenities (zero liability protection, auto rental collision damage waivers, etc.), it doesn’t offer much to those with strong credit.

Wells Fargo Platinum Card

Wells Fargo Platinum Card

On Chase's home portal

750 - 850
Best for excellent credit

Highlight: Good liability protection and no annual fees
  • 0% introductory APR (purchases and balance transfers) for 15 months

  • $0 annual fee

  • Zero Liability Protection

  • My Money Map budgeting tools

  • FICO Score Access with Wells Fargo Online

  • Travel insurance (accident)

  • Travel emergency services

  • Roadside dispatch services

Intro APR

0%

Variable APR

16.65% - 26.49%

Annual Fee

$0

Other Perks

Travel

Why It's Good

Balance transfers can often suck up a lot of money in fees and interest; luckily, balance transfer cards like the Wells Fargo Platinum Visa Card alleviate that trouble by offering 0% introductory APR for 15 months on not just purchases, but balance transfers as well.

Keep in mind, though, that fees still apply – for the first 12 months, you have to pay an introductory fee of $5 or 3% of the balance transfer amount (whichever is higher). After that, that percentage goes up to 5% ($5 minimum). Still, the lack of interest makes it great for one-time transfers of larger balances from, say, credit cards with higher APRs.

That’s not all the card offers; there’s no annual fee, and you can get $600 in cell phone protection against theft or covered damage. Other amenities include travel accident insurance, roadside dispatch and auto rental collision damage waivers, making it a good card to use when you travel.

Overall, the Wells Fargo Platinum Visa Card is the best Wells Fargo credit card for balance transfers. With 0% APR for 15 months on transfers, it’s a good solution if you want to get out from under balances that build up mountains of interest. Just get the card, transfer it over, and give yourself some breathing room to pay off the balance.

Wells Fargo Rewards Card

On Chase's home portal

750 - 850
Best for excellent credit

Highlight: No annual fee and solid shopping perks
  • $0 annual fee

  • 0% introductory APR for 15 months

  • 5x points on gas, grocery and drugstore purchase for 6 months

  • 1x points for all other purchases

  • Earn More Mall access for greater earning potential Go Far Rewards sharing program

Intro APR

0%

Variable APR

18.65% - 27.49%

Annual Fee

$0

Main Perks

Shopping

Why It's Good

The titular Wells Fargo Rewards Card does exactly what it says on the tin; it offers a points reward system for purchases, which you can redeem through their Go Far Rewards program for everything from merchandise to trips. Most interesting is their decent airfare redemption value, which is higher than a lot of other cards of this kind (1.5 cents on the dollar).

The rewards system is simple: you get 1 point for every dollar spent on every purchase you make on the card, but get 5x points on purchases made at gas stations, grocery stories and drugstores for the first six months. For those who plan on capitalizing on that reward tier for the promotional period, you can accrue a lot of rewards.

When it comes to spending it, the Go Far Rewards program adds another fun element to the mix: you can pool your rewards with other cardholders to buy bigger gifts. If more than one person in your family has a Rewards Card, you can all work toward earning that big family vacation you’ve been planning for months.

The Wells Fargo Rewards Card is the best Wells Fargo credit card for those who want a traditional rewards system. Just make sure you’ve got good credit, as the card’s variable APR can go up to 26.99%, which is high.

Wells Fargo Visa Signature Card

Wells Fargo Signature Rewards

On Chase's home portal

700-750
Best for good credit

Highlight: Great rewards for gas and groceries
  • 5x reward points on gas, grocery and drugstore purchases for 6 months

  • 1x reward points on all other purchases

  • 50% extra points reward value for airfare

  • $0 annual fee

  • 0% introductory APR for 15 months

  • Visa Signature privileges

  • Free FICO score access

Intro APR

0%

Variable APR

13.65% - 27.49%

Annual Fee

$0

Reward Type

Points

Why It's Good

In the whole of Wells Fargo’s stable of credit cards, the Wells Fargo Visa Signature Card is probably their most flexible. Combining the gas/grocery/drugstore promotion of the Rewards Card with the introductory APR of the Platinum Card, you get the best of both worlds with this particular card.

Like the Rewards Card, the Signature Card uses Wells Fargo’s Go Far Rewards system, with unlimited 1 point per dollar rewards on every purchase (after the 6-month introductory tier where you earn 5 points for gas, grocery and drugstore purchases). You can spend them in the Go Far program, or pool them to reach common goals, which is great for those cardholders who have loftier ambitions for their rewards points.

Furthermore, there’s no annual fee, as well as Visa Signature privileges including protection on travel and purchases, and free access to your monthly FICO score. This makes for a card that balances eagle-eyed tracking of your credit performance with the flexibility of a rewards card.

In the end, the Wells Fargo Visa Signature Card is the best Wells Fargo credit card for cardholders seeking flexibility. You get rewards, low maintenance fees, and all the amenities of a Visa Signature card, as well as zero liability.

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