Best Wells Fargo credit cards (2026)

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Wells Fargo Active Cash® Credit Card: Best overall

Welcome offer Earn a $200 cash rewards bonus after spending $500 within the first 3 months

Introductory APR 0% intro APR for 12 months from account opening on qualifying balance transfers (balance transfers made within 120 days qualify for the intro APR and intro balance transfer fee; 18.49%, 24.49%, or 28.49% variable APR after that)

Purchase APR 18.49%, 24.49%, or 28.49% variable APR

Introductory Balance Transfer APR 0% intro APR for 12 months from account opening on qualifying balance transfers

Ongoing Balance Transfer APR 18.49%, 24.49%, or 28.49% Variable APR

Rewards rate Unlimited 2% cash rewards on purchases

Benefits Get up to $600 of cell phone protection against damage or theft ($25 deductible applies) Pay-per-use 24/7 roadside dispatch assistance Auto rental collision damage waiver coverage

Get up to $600 of cell phone protection against damage or theft ($25 deductible applies)

Pay-per-use 24/7 roadside dispatch assistance

Auto rental collision damage waiver coverage

Why we like it: The Wells Fargo Active Cash hits the right notes on multiple fronts, including no annual fee, a straightforward rewards rate, and multiple intro APR offers. This can easily be the one card you carry in your wallet if you like to travel light.

Wells Fargo Reflect® Card: Best for 0% intro APR

Purchase APR 17.49%, 23.99%, or 28.24% variable APR

Introductory APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers (balance transfers made within 120 days qualify for the intro APR and intro balance transfer fee; 17.49%, 23.99%, or 28.24% variable APR after that)

Introductory Balance Transfer APR 0% intro APR for 21 months from account opening on qualifying balance transfers

Ongoing Balance Transfer APR 17.49%, 23.99%, or 28.24% Variable APR

Benefits Get up to $600 of cell phone protection against damage or theft ($25 deductible applies) 0% introductory APR is useful to finance large purchases or transfer a balance from another card

0% introductory APR is useful to finance large purchases or transfer a balance from another card

Why we like it: The Wells Fargo Reflect provides multiple long introductory APR offers, giving you the opportunity to finance an upcoming large purchase or help pay down debt without worrying about interest during the offer period. It doesn't provide many other benefits, but that's okay because its main focus is on the 0% intro APR offers.

Wells Fargo Autograph® Card: Best for everyday earning

Welcome offer Earn 20,000 bonus points after spending $1,000 within the first 3 months (worth a $200 cash redemption value)

Introductory APR 0% intro APR on purchases for the first 12 months, 18.49%, 24.49%, or 28.49% variable APR after

Rewards rate 3x points on dining, travel, gas and EV charging stations, transit, popular streaming services, and phone plans 1x points on all other purchases

3x points on dining, travel, gas and EV charging stations, transit, popular streaming services, and phone plans

Benefits Get up to $600 of cell phone protection against damage or theft (up to two claims per year, $25 deductible applies) Auto rental collision damage waiver coverage Visa Signature® perks, including Visa Signature® Concierge service and Luxury Hotel Collection privileges

Get up to $600 of cell phone protection against damage or theft (up to two claims per year, $25 deductible applies)

Visa Signature® perks, including Visa Signature® Concierge service and Luxury Hotel Collection privileges

Why we like it: The Wells Fargo Autograph makes sense if you want an affordable card for earning travel rewards on everyday purchases. With its high rewards rate in multiple common categories, you can rack up points on purchases you already make in your day-to-day life.

Wells Fargo Autograph Journey℠ Card: Best for travel

Welcome offer Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months

Purchase APR 19.49%, 25.49%, or 28.49% variable APR

Ongoing Balance Transfer APR 19.49%, 25.49%, or 28.49% Variable APR

Rewards rate 5x points with hotels 4x points with airlines 3x points on restaurants and other travel 1x points on everything else

3x points on restaurants and other travel

Benefits Get a $50 annual statement credit with $50 minimum airline purchase Access travel protections such as lost baggage reimbursement, travel accident insurance, and trip cancellation protection Get up to $1,000 of cell phone protection against damage, theft, or loss (up to two claims every 12 months; $25 deductible applies)

Get a $50 annual statement credit with $50 minimum airline purchase

Access travel protections such as lost baggage reimbursement, travel accident insurance, and trip cancellation protection

Get up to $1,000 of cell phone protection against damage, theft, or loss (up to two claims every 12 months; $25 deductible applies)

Why we like it: The Wells Fargo Autograph Journey is an excellent card for travelers who want to keep their membership costs low while still benefiting from useful travel perks, such as no foreign transaction fees and travel insurance. The Autograph Journey also provides elevated earning rates on travel and dining purchases, giving frequent travelers more bang for their buck on applicable expenses.

Choice Privileges® Select Mastercard®: Best for hotels

Welcome offer Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months — enough to redeem for up to 7 reward nights at select Choice Hotels® properties (additional fees and terms may apply)

Purchase APR See issuer site for current APR

Rewards rate 10x points on stays at participating Choice Hotels® properties, plus on Choice Privileges point purchases 5x points on purchases at gas stations, grocery stores, home improvement stores, and on phone plan services 1x points on other purchases

10x points on stays at participating Choice Hotels® properties, plus on Choice Privileges point purchases

5x points on purchases at gas stations, grocery stores, home improvement stores, and on phone plan services

Benefits Earn 30,000 bonus points every account anniversary, enough to redeem up to 3 reward nights at Choice Hotels properties (additional fees and terms may apply) Upgrade to higher Choice Privileges Elite status and earn rewards faster with points earned using your card on everyday purchases Earn rewards more frequently throughout the year — such as bonus points or gift cards

Earn 30,000 bonus points every account anniversary, enough to redeem up to 3 reward nights at Choice Hotels properties (additional fees and terms may apply)

Upgrade to higher Choice Privileges Elite status and earn rewards faster with points earned using your card on everyday purchases

Earn rewards more frequently throughout the year — such as bonus points or gift cards

Why we like it: Simply put, if you stay at Choice Privileges hotels, you should consider the Choice Privileges Select Mastercard. This card provides specific hotel benefits for cardholders, including automatic Platinum Elite membership, a 30,000-point anniversary bonus, and Milestone Rewards.

Wells Fargo Signify Business Cash® Card: Best for business owners

Welcome offer Earn a $500 cash rewards bonus after spending $5,000 within the first 3 months

Introductory APR 0% intro APR on purchases for the first 12 months, after which the standard APR applies

Rewards rate 2% cash rewards on all eligible purchases

Benefits 0% introductory APR is useful to finance large purchases Redeem your rewards as a statement credit, for gift cards, travel, and more Complimentary membership to the Priority Pass airport lounge network (lounge visit fees apply)

0% introductory APR is useful to finance large purchases

Redeem your rewards as a statement credit, for gift cards, travel, and more

Complimentary membership to the Priority Pass airport lounge network (lounge visit fees apply)

Why we like it: The Wells Fargo Signify Business Cash is a straightforward cash-back card specifically designed for business owners who value simplicity. With no annual fee, a flat rewards rate, and the option to use a 0% intro APR offer, you can focus on your business rather than a complicated credit card product.

More Wells Fargo credit cards to consider

What to look for in a Wells Fargo credit card

Welcome offer: Not all Wells Fargo cards provide welcome offers, but many do, and they can be excellent ways for qualified applicants to earn a lot of rewards soon after account opening.

Annual fee: Wells Fargo credit cards typically have low or no annual fees, making them much more affordable than many other available card options.

Perks and benefits: Many Wells Fargo cards provide cell phone protection, but you would have to compare other specific benefits between cards to see what aligns best with your lifestyle. For example, the Wells Fargo Autograph Journey provides multiple travel insurance perks, including trip cancellation and interruption protection.

Rewards: The best rewards rate depends on your spending habits and preferences. In general, the Wells Fargo Autograph has some of the highest earning potential on everyday purchases, but the Wells Fargo Active Cash makes it easy to earn cash rewards across a wide range of categories.

Intro APR offers: Certain Wells Fargo credit cards provide 0% introductory APR offers, allowing eligible cardholders opportunities to finance purchases or help pay down debt, depending on the available offer.

Wells Fargo offers various types of credit cards to suit different goals and needs.

These cards earn cash rewards on eligible purchases. You can typically redeem cash rewards for account credits, covering eligible past purchases, gift cards, and checking out online with PayPal (where applicable).

Wells Fargo offers these cash-back credit cards:

These cards provide 0% introductory APR offers on qualifying balance transfers, purchases, or both. That means you don't have to pay interest on purchases or a qualifying balance transfer during the offer period, though standard APR rates apply after the period ends. Qualifying balance transfers also come with balance transfer fees.

Wells Fargo offers these 0% intro APR credit cards:

Frequent travelers will find these cards appealing, as they provide travel rewards on eligible purchases. Some of them also have specific travel benefits, such as travel insurance coverage, and they don't charge foreign transaction fees.

Wells Fargo offers these travel credit cards:

Business credit cards make sense for small business owners who want to take advantage of business-specific benefits, such as earning rewards on business expenses. In addition, it's an easy way to separate business expenses from personal spending to help with doing your taxes.

Wells Fargo offers this business credit card:

Should I open a Wells Fargo credit card?

It may make sense to apply for a Wells Fargo credit card if:

You prefer credit cards with low or no annual fees

You want to take advantage of a 0% intro APR offer

You want a card with cell phone protection

You may want to consider other cards if:

You want premium travel benefits, such as airport lounge access

Wells Fargo transfer partners don't align with your travel preferences

What is the best Wells Fargo card to get?

These are some of the best Wells Fargo credit cards for different situations:

Wells Fargo Active Cash Credit Card: Best overall

Wells Fargo Reflect Card: Best for 0% intro APR

Wells Fargo Autograph Card: Best for everyday earning

Wells Fargo Autograph Journey Card: Best for travel

Choice Privileges Select Mastercard: Best for hotels

Wells Fargo Signify Business Cash Card: Best for business owners

What credit score do you need for a Wells Fargo credit card?

You typically need at least a good credit score to qualify for a Wells Fargo credit card. That's at least a 670 score, according to the FICO scoring model. Keep in mind that card issuers may also consider other factors, such as your income and history of repaying debt, to determine your creditworthiness when applying for a credit card.

Does Wells Fargo ever raise your credit limit?

Wells Fargo may automatically increase your credit limit through periodic reviews of your account activity and other factors. You may also be able to request a credit limit increase, though you should be aware that this could result in a hard inquiry.

We use separate rubrics for different card categories, including Cash Back, Travel, and 0% APR, to give credit cards from major card issuers their own ratings. The specific factors vary by rubric, but may include details about annual fees, rewards rates, 0% introductory APR offers, and more.

We selected the top-rated Wells Fargo credit cards from our existing rubrics to create our list of the best Wells Fargo credit cards. We included various cards to cover a broad range of categories we believe will suit the different needs of potential cardholders.

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank's website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.

Wells Fargo Autograph Card review: No frills and high rewards

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Wells Fargo Autograph Journey℠ Card review: A high-earning card designed for frequent travelers

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Wells Fargo Reflect Card review: One of the best intro APRs currently available for new cardholders

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