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Wells Fargo may not be the first name that comes to your mind for getting a rewards credit card. However, as one of the nation’s largest banks, Wells Fargo offers several different credit cards from Visa and American Express. Some are great for travel rewards, while others come with cash back offers on some of the most common purchases. Additionally, many cards have no annual fee. Here are some of the best Wells Fargo credit cards to consider.
Best Wells Fargo Credit Cards
If you want a no-annual fee credit card, you will be pleased to know that most of the Wells Fargo credit cards don’t have one. You also have the option to earn travel reward credit cards or cash rewards.
Here’s a preview of some of the best Wells Fargo credit cards.
- Wells Fargo Autograph℠ Card
- Hotels.com® Rewards Visa® Credit Card
- Wells Fargo Visa Signature® Card
- Wells Fargo Active Cash® Card
- And the Wells Fargo Cash Wise Visa® Card
- The Wells Fargo Reflect® Card
- The Wells Fargo Cash Back College Card
- Wells Fargo Secured Credit Card
Related: Are Wells Fargo Credit Cards Shutting Down?
Best Wells Fargo Credit Cards for Travel Perks and Purchase Rewards
There are several amazing Wells Fargo credit cards that earn rewards to use for travel. There are also credit cards that earn plenty of rewards on common and frequent spending items, such as gas and groceries.
Wells Fargo Autograph Card
The Wells Fargo Autograph℠ Card is easy to earn rewards points on your daily purchases, and you won’t pay an annual fee or foreign transaction fee.
Cardholders earn unlimited 3x points per $1 on these purchases:
- Restaurants
- Travel
- Gas stations
- Transit
- Popular streaming services
- Phone plans
All other eligible purchases earn 1x point per $1 spent.
New Wells Fargo Autograph℠ Card cardholders can earn 20,000 bonus points when they spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Redemption Options
You can redeem your rewards for travel, statement credits, and gift cards. Alternatively, you can redeem your points when you shop online and check out with PayPal.
One other benefit you might enjoy is $600 in cell phone protection against damage or theft when you pay your monthly bill with your card. However, it is subject to a $25 deductible.
You will need good to excellent credit to get approved for the Wells Fargo Autograph℠ Card.
Learn more: Rewards Credit Cards
Hotels.com Rewards Visa Credit Card
If you don’t have a specific hotel preference when you travel and you don’t travel too often, this card may be perfect for you. The Hotels.com® Rewards Visa® Credit Card has a $0 annual fee.
New cardholders can get 2 reward nights worth $250 total (max $125 per night; excluding taxes and fees) after spending $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125
when you spend $4,000 on total purchases within the first 6 months. Note that if a night costs less than $125, cardholders won’t get the difference.
Additionally, for the first year, enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at select properties.
Cardholders collect 1 stamp each time they spend $500 on purchases with their card and collect 1 stamp for every night they stay at any eligible property booked on Hotels.com. When they collect 10 stamps, they’ll get 1 reward night to redeem on future bookings through Hotels.com.
Additional Benefits
In addition to being a top hotel credit card for the occasional hotel user, this card also comes with additional benefits and protections.
For instance, if you pay your monthly cell phone bill with your card, you can get up to $600 protection against damage or theft (subject to a $25 deductible).
You can also get reimbursement for non-refundable passenger fare if your trip is interrupted or canceled for a covered reason when your passenger fare is booked with your card.
With hotels.com, you can choose from over 500,000 properties in 200+ countries around the world.
Learn more: Hotel Rewards Credit Cards
Wells Fargo Visa Signature Card (Not open for new applications)
The information for the Wells Fargo Visa Signature® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Maximize your gas station purchases, grocery, and drugstore purchases with the Wells Fargo Visa Signature® Card. You will earn 5x points on the first $12,500 in combined spending on gas, grocery, and drugstore purchases for the first 6 months. All other purchases earn an unlimited 1 point per $1 spent.
The Wells Fargo Visa Signature doesn’t charge an annual fee but has a 3% foreign transaction fee.
This card doesn’t offer additional benefits beyond the standard Visa Signature benefits including trip cancellation protection, lost luggage reimbursement, and secondary auto rental collision coverage. You can also enjoy special benefits including complimentary breakfast and free in-room internet at over 900 properties in the Visa Signature Luxury Hotel Collection.
Best Wells Fargo Credit Cards for Cash Rewards
Maybe you like the flexibility of cash rewards. If so, it’s possible to get a card without an annual fee.
Wells Fargo Active Cash Card
The Wells Fargo Active Cash® Card is a no-annual-fee option that earns cash rewards. This card earns unlimited 2% cash rewards on purchases. There are no categories to worry about “activating”. Additionally, rewards don’t expire so long as your account is open.
Plus, you can enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge. One of the benefits is the ability to get up to $600 protection on your cell phone (subject to a $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash Card.
You will need good to excellent credit for this card.
New Wells Fargo Active Cash® Card cardholders can earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.
Learn more: Cash Back Credit Cards
Wells Fargo Cash Wise Visa Card (Not open for new applications)
The information for the Wells Fargo Cash Wise Visa® Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Cash Wise Visa® Card earns an unlimited 1.5% back on every purchase. However, this card charges a 3% foreign transaction fee and isn’t ideal for international travel. But it’s an excellent option for getting one of the best cashback rates on your daily spending at home.
Wells Fargo Reflect Card
While the Wells Fargo Reflect® Card doesn’t offer cash back, points, or miles, it does come with 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Plus, Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods (15.24% to 27.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5).
This card has a $0 annual fee.
Paying your cell phone bill with your Wells Fargo Reflect Card also comes with the ability to get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
Plus, through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card.
Learn more: 0% APR Credit Cards
Best Wells Fargo Credit Cards for Building Credit
If you’re a college student or don’t have great credit yet, these Wells Fargo credit cards help you build a credit history so you can upgrade to better cards in the future.
Wells Fargo Cash Back College Card (Not open for new applications)
The information for the Wells Fargo Cash Back College Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
College students can build credit and earn rewards on every purchase without paying an annual fee using the Wells Fargo Cash Back College Card. To qualify for this card, Wells Fargo requires an existing relationship with another banking or financial product they offer.
It’s also possible to earn bonus points at select shopping partners in the Wells Fargo Earn More Mall program.
You can redeem your rewards for travel, cash, and gift cards.
Related: Best Travel Credit Cards for Students to Earn Rewards
Wells Fargo Secured Credit Card (Not open for new applications)
The information for the Wells Fargo Secured Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Wells Fargo Secured Credit Card can be a good option when your credit score is below 600. Your credit limit will be equal to your refundable security deposit amount. To get a $500 credit limit, for instance, your security deposit must be $500.
Wells Fargo will report each on-time payment to the major credit bureaus. You can watch your FICO credit score grow for free on the Wells Fargo Online dashboard.
Unfortunately, this card doesn’t earn purchase rewards or have a signup bonus. But, you can enjoy free cell phone protection by paying your monthly cell phone bill with this card.
Before applying for this secured credit card, be aware there’s a $25 annual fee. Other secured cards charge annual fees as high as $49 however other banks offers ways to waive the annual fee.
If you’re a loyal Wells Fargo customer, having a credit card in the same place you bank can keep life simple.
Related: Best Credit Card To Build Your Credit Score?
Summary
In conclusion, Wells Fargo offers a variety of credit cards offering the chance to earn travel rewards, cash rewards, or to build credit. The best option for most will be the Wells Fargo Autograph because of the many ways you can earn and redeem rewards points. However, the other options can be a step in the right direction in order to build a relationship with Wells Fargo.
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- The Best Checking Account Bonuses
- The Best Credit Cards for Online Shopping
The information for the Wells Fargo credit cards has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
