Wells Fargo offers various credit card options for every type of consumer, whether you want to earn cash or travel rewards, or are looking for a long introductory APR offer. Even better, many Wells Fargo cards provide cell phone protection as a standard benefit.
Best Wells Fargo credit cards for June 2026
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Welcome offer
Earn 20,000 bonus points after spending $1,000 within the first 3 months (worth a $200 cash redemption value)
Wells Fargo Active Cash® Credit Card: Best overall
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Annual fee
$0
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Welcome offer
Earn a $200 cash rewards bonus after spending $500 within the first 3 months
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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)
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Purchase APR
18.49%, 24.49%, or 28.49% variable APR
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Introductory Balance Transfer APR
0% intro APR for 12 months from account opening on qualifying balance transfers
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Ongoing Balance Transfer APR
18.49%, 24.49%, or 28.49% Variable APR
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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
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
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Annual fee
$0
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Welcome offer
None
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Purchase APR
17.49%, 23.99%, or 28.24% variable APR
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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)
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Introductory Balance Transfer APR
0% intro APR for 21 months from account opening on qualifying balance transfers
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Ongoing Balance Transfer APR
17.49%, 23.99%, or 28.24% Variable APR
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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
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
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Annual fee
$0
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Welcome offer
Earn 20,000 bonus points after spending $1,000 within the first 3 months (worth a $200 cash redemption value)
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Introductory APR
0% intro APR on purchases for the first 12 months, 18.49%, 24.49%, or 28.49% variable APR after
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Purchase APR
18.49%, 24.49%, or 28.49% variable APR
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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
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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
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
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Annual fee
$95
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Welcome offer
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months
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Purchase APR
19.49%, 25.49%, or 28.49% variable APR
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Ongoing Balance Transfer APR
19.49%, 25.49%, or 28.49% Variable APR
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Rewards rate
- 5x points with hotels
- 4x points with airlines
- 3x points on restaurants and other travel
- 1x points on everything else
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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)
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
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Annual fee
$95
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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)
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Purchase APR
See issuer site for current APR
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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
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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
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
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Annual fee
$0
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Welcome offer
Earn a $500 cash rewards bonus after spending $5,000 within the first 3 months
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Introductory APR
0% intro APR on purchases for the first 12 months, after which the standard APR applies
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Purchase APR
See issuer site for current APR
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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)
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
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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.
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Annual fee: Wells Fargo credit cards typically have low or no annual fees, making them much more affordable than many other available card options.
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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.
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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.
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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.
Types of Wells Fargo credit cards
Wells Fargo offers various types of credit cards to suit different goals and needs.
Cash-back
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:
Read more: The best cash-back credit cards
0% intro APR
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:
Read more: The best 0% APR credit cards
Travel
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:
Read more: The best travel credit cards
Business
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:
Read more: The best business credit cards
Should I open a Wells Fargo credit card?
It may make sense to apply for a Wells Fargo credit card if:
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You’re already a Wells Fargo customer
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You prefer credit cards with low or no annual fees
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You want to take advantage of a 0% intro APR offer
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You like straightforward rewards rates
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You want a card with cell phone protection
You may want to consider other cards if:
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You want premium travel benefits, such as airport lounge access
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You want a specific airline credit card
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Wells Fargo transfer partners don’t align with your travel preferences
Wells Fargo credit card FAQs
What is the best Wells Fargo card to get?
These are some of the best Wells Fargo credit cards for different situations:
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.
Our methodology
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.
