The 5 best Wells Fargo cards of November 2022: Earn points on lease, get cash rewards, or qualify for an extra long 0% intro APR

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Wells Fargo would not have an enormous selection of cards to select from, however they’re positively nonetheless price wanting into. Each Wells Fargo card has its personal distinctive record of rewards and advantages that go well with a spread of completely different clients.

From cards that earn you stamps towards a free resort night time, to with the ability to earn limitless points on choose bonus classes like eating and transit, to 1 of the longest 0% APR offers on the market, there is a Wells Fargo card for nearly everybody. 

Here’s a information to choosing the best Wells Fargo bank card for you.

Compare the best Wells Fargo credit score cards

Best for flat-rate cash rewards: Wells Fargo Active Cash Card

Rewards: Wells Fargo Active Cash® Card

Welcome Offer: Wells Fargo Active Cash® Card

Annual Fee: Wells Fargo Active Cash® Card

Introductory APR: Wells Fargo Active Cash® Card

APR:  Wells Fargo Active Cash® Card

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Rates and fees

Why the Active Cash card is price it: The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases — one of the best flat cash rewards charges of any no-annual-fee card.

The Wells Fargo Active Cash® Card gives 2% cash rewards on purchases. The welcome bonus provide is first rate for a no-annual-fee card, and there are not any rotating classes, no quarterly activations, no class limitations, and no incomes caps. 

The Wells Fargo Active Cash® Card is an element of the Wells Fargo Rewards program so you possibly can redeem rewards as assertion credit (to a Wells Fargo Mortgage, mortgage, or credit score product), on purchases charged to your credit score (beginning at $1), and as cash or present cards. You can even redeem rewards towards journey bookings. 

The Wells Fargo Active Cash® Card has a Wells Fargo Active Cash® Card (then a Wells Fargo Active Cash® Card APR). Although the (*5*)Wells Fargo Reflect® Card has an extended intro APR provide, that is nonetheless a strong deal. 

Another nice function is cell phone protection protection in case your cellphone is broken or stolen. It’s price up $600 per declare, with a $25 deductible (most of two claims yearly). Other advantages embody Visa Signature concierge (24/7 concierge service), journey emergency cash disbursement and card substitute, roadside dispatch, and entry to the Visa Signature Luxury hotel collection

Review: Wells Fargo Active Cash card review

Best if you happen to pay lease: Wells Fargo Bilt Mastercard

Rewards: Bilt Mastercard®

Welcome Offer: Bilt Mastercard®

Annual Fee: Bilt Mastercard®

APR:  Bilt Mastercard®

Why the Bilt Mastercard is price it: The Bilt Mastercard® enables you to earn points once you pay lease with no further charges, no annual price, and you’ll switch points to wonderful airline and resort companions. 

If you are seeking to earn rewards on lease funds, the Bilt Mastercard® is the best (and solely) card that lets you earn points once you pay your lease, with no further charges. Bilt can ship a examine, or make a direct financial institution switch to your landlord to keep away from the transaction price.

You earn 1 level per greenback spent on rental funds as much as $50,000 a yr for no annual price. You can even earn 2x points on journey bookings, 3x points on eating, and 1x points on all different purchases. However, it’s important to make no less than 5 transactions per assertion to obtain any earned points.

The Bilt Mastercard® enables you to earn 2,500 Bilt points per buddy you refer, and 10,000 bonus points after you efficiently refer 5 members. You can earn as much as 2,025,000 points from referrals, and you do not even must be a Bilt Mastercard® cardholder. Just use the Bilt app to “Invite” individuals. 

Other than the Bilt Mastercard® annual price, probably the most notable profit of the Bilt Mastercard® is that cardholders can switch points to an excellent choice of airways and inns partnered with Bilt Rewards. Most just lately, Bilt added British Airways, Iberia, and Aer Lingus to its program, bringing the full quantity of companions to 14.

Your different choices for redeeming rewards are utilizing points towards a down fee or mortgage, on health courses (like Soul Cycle, Rumble, and Y7), or on merchandise (by the Bilt app). 

Review: Wells Fargo Bilt Mastercard Review

Best for paying down debt: Wells Fargo Reflect card

Rewards: Wells Fargo Reflect® Card

Welcome Offer: Wells Fargo Reflect® Card

Annual Fee: Wells Fargo Reflect® Card

Introductory APR: Wells Fargo Reflect® Card

APR:  Wells Fargo Reflect® Card

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Rates and fees

Why the Reflect card is price it: The (*5*)Wells Fargo Reflect® Card has an exceptionally long introductory APR provide which makes it an excellent alternative for these making an attempt to pay down debt or different massive purchases.

It’s true that the (*5*)Wells Fargo Reflect® Card would not earn cardholders rewards or any kind of welcome bonus provide, but it surely’s an excellent choice for people paying down debt. It gives a Wells Fargo Reflect® Card (then a Wells Fargo Reflect® Card). 

The (*5*)Wells Fargo Reflect® Card intro APR fee is uncommon and one of the best on the market. Although there are different cards that supply good intro APR in addition to incomes rewards on spending, the Wells Fargo Reflect® Card‘s intro APR provide is considerably longer than most. In order to qualify for the intro APR on stability transfers, it’s important to make the switch throughout the first 120 days of account opening. 

The card comes solely with just a few perks, probably the most notable being mobile phone safety. You can get as much as $600 of cell safety towards injury or theft (with the $25 deductible), however it’s important to pay your month-to-month cellphone invoice with this card or an eligible Wells Fargo card to be able to obtain this profit. When you utilize your (*5*)Wells Fargo Reflect® Card you additionally get roadside dispatch and nil legal responsibility safety. 

If you are contemplating making use of for the (*5*)Wells Fargo Reflect® Card, be aware of when the intro APR bonus runs out. The common APR is a Wells Fargo Reflect® Card. Because the intro APR bonus is probably the most rewarding facet of the cardboard, it isn’t a good selection for spending within the long time period. But keep in mind that the cardboard has a Wells Fargo Reflect® Card annual price so it will not price you something to maintain it. 

Review: Wells Fargo Reflect card review

Best for resort bookings: Hotels.com credit card

Rewards: Hotels.com®️ Rewards Visa®️ Credit Card

Welcome Offer: Hotels.com®️ Rewards Visa®️ Credit Card

Annual Fee: Hotels.com®️ Rewards Visa®️ Credit Card

APR:  Hotels.com®️ Rewards Visa®️ Credit Card

Why the Hotels.com Rewards Visa card is price it: The Hotels.com®️ Rewards Visa®️ Credit Card will get you entry to 1000’s of properties at a reduced value. Plus, you will obtain an honest intro APR and get the possibility to earn a major welcome bonus provide for no annual price. 

Welcome bonus provide: For a restricted time, once you open the Hotels.com®️ Rewards Visa®️ Credit Card you possibly can earn Hotels.com®️ Rewards Visa®️ Credit Card

The no-annual-fee Hotels.com®️ Rewards Visa®️ Credit Card is an effective card for people seeking to discover discounted inns, residences, and residential leases all whereas incomes stamps in direction of reward nights (10 stamps = 1 reward night time), and you’ll earn a reasonably good welcome bonus. The Hotels.com loyalty packages earn 1 stamp for each $500 spent even when you do not have the Hotels.com®️ Rewards Visa®️ Credit Card

One of the best options of this card is that you simply mechanically obtain Hotels.com Silver standing upon card approval, incomes you further advantages akin to free airport transfers, free breakfast, free web entry, and entry to much more perks at choose VIP properties. Keep in thoughts, nonetheless, that the Hotels.com Silver standing program is just not obtainable in any respect resort areas. 

The different advantages you will obtain with the Hotels.com®️ Rewards Visa®️ Credit Card are mobile phone safety (as much as $600 of safety and topic to a $25 deductible), no international transaction charges, zero legal responsibility safety, and journey cancellation and interruption insurance coverage (in case your card was used to buy non-refundable passenger fare that’s interrupted or canceled).  

Review: Wells Fargo Hotels.com Rewards Visa card review

Best for limitless cash rewards: Wells Fargo Autograph card

Rewards: Wells Fargo Autograph℠ Card

Welcome Offer: Wells Fargo Autograph℠ Card

Annual Fee: Wells Fargo Autograph℠ Card

Introductory APR: Wells Fargo Autograph℠ Card

APR:  Wells Fargo Autograph℠ Card

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Rates and fees

Why the Autograph card is price it: The no-annual-fee Wells Fargo Autograph℠ Card earns cardholders limitless 3x points on choose bonus classes with a large welcome bonus provide and an honest intro APR. 

Welcome bonus provide: Wells Fargo Autograph℠ Card.

If you are wanting for a no-annual-fee card it is best to try the Wells Fargo Autograph℠ Card. The card earns you limitless rewards in all kinds of bonus classes, in addition to the chance to earn a major welcome bonus provide. With the Wells Fargo Autograph℠ Card you will earn 3x points on eating, journey, gasoline, transit, choose streaming companies, and on cellphone plans (all different purchases earn 1x points). The card additionally has Wells Fargo Autograph℠ Card (then a Wells Fargo Autograph℠ Card APR).

You can redeem points for journey (akin to flights, automotive leases, and resort stays), as present cards, and as purchases (beginning at $1). Also, you should use your points to pay by PayPal. 

The Wells Fargo Autograph℠ Card will get first rate advantages like mobile phone safety, auto rental collision injury waiver, journey and emergency help, roadside dispatch, zero legal responsibility safety, and emergency cash disbursement and card substitute. You’ll additionally get Visa Signature privileges like 24/7 concierge service and entry to the Luxury Hotel Collection.

You’ll most likely solely profit from the Wells Fargo Autograph℠ Card in case your bills match the 3x bonus classes. Otherwise, you will solely earn 1x points on different purchases so that you’re higher off different no-annual-fee cards that higher match your most popular spending classes. 

Review: Wells Fargo Autograph card review

Wells Fargo bank card continuously requested questions (FAQ)

Is Wells Fargo not providing credit score cards?

Wells Fargo continues to be providing credit score cards. Although Wells Fargo did retire most of its legacy cards (such because the Wells Fargo Propel American Express® card), a brand new technology of merchandise has just lately been launched with some of the identical traits because the retired cards. The latest releases from Wells Fargo are the Bilt Mastercard®, (*5*)Wells Fargo Reflect® Card, Wells Fargo Autograph℠ Card, and Wells Fargo Active Cash® Card.

How do you qualify for a Wells Fargo card?

You want good to wonderful credit score to qualify for a Wells Fargo card (FICO classifies credit score rating to be between 670 to 739). If you have to construct your credit score rating, utilizing your card responsibly, and making on-time funds might help. Check out our list of best starter cards, in addition to read about the best ways to be responsible with your credit

How many Wells Fargo cards can I’ve? 

Wells Fargo doesn’t restrict the quantity of cards you possibly can have at one time. However, you won’t qualify for one other card if you happen to’ve opened one within the final six months. 

Does Wells Fargo have a secured card?

As of December 2019, the Wells Fargo Secured Card was not accepting functions. There don’t appear to be any plans for reopening the cardboard. Other banks that supply secured cards are Capital One, Citi, Discover, and Bank of America. Read our information to the best credit cards for bad credit for the highest choices.

How do you apply for a Wells Fargo card?

You can apply for a Wells Fargo card on the Wells Fargo web site or in individual at a Wells Fargo department. 

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