Last Updated on August 31, 2025 by admin
Wells Fargo offers a diverse range of credit cards designed to cater to various financial needs and preferences. Their credit card offerings include options for those seeking rewards, cash back, and balance transfer features, among others.
One of the notable cards is the Wells Fargo Active Cash® Card, which provides a straightforward 2% cash back on purchases, appealing to consumers who prefer a simple and generous rewards structure without worrying about spending categories.
Another popular option is the Wells Fargo Reflect® Card, which is tailored for individuals looking to manage and reduce existing credit card debt with its introductory 0% APR on balance transfers and purchases for a significant period.
This card appeals to those who prioritize minimizing interest payments over earning rewards.
For those who are planning significant travel, the Wells Fargo Autograph℠ Card could be an ideal fit, offering triple points on travel, dining, and other lifestyle categories.
This card is suitable for frequent travelers and diners who wish to maximize their rewards in these areas. In addition to these products, Wells Fargo also offers credit cards that cater to students and those aiming to build or rebuild their credit.
Read: How to register for Wells Fargo Online banking and Mobile App
Benefits of wells fargo credit card
Wells Fargo credit cards offer a wide range of benefits tailored to different lifestyles—from cashback lovers to frequent travelers. Here’s a breakdown of the standout perks you can expect:
| Benefit | Details |
|---|---|
| Cash Back Rewards | Cards like the Active Cash® Card offer 2% unlimited cash back on all purchases. |
| Sign-Up Bonuses | Many cards include generous welcome offers for new cardholders. |
| 0% Intro APR | Enjoy 0% interest on purchases and balance transfers for a limited time. |
| Cell Phone Protection | Pay your wireless bill with your card and get coverage for damage or theft. |
| Travel Perks | Some cards offer no foreign transaction fees, trip cancellation insurance, and auto rental collision damage waivers. |
| Shopping Protection | Includes extended warranties, price protection, and purchase security. |
| Luxury Hotel Access | Visa Signature® cards offer access to the Luxury Hotel Collection and concierge services. |
| Roadside Assistance | Emergency help like towing and lockout service is available with select cards. |
Types Of Wells Fargo Credit Cards Offered
Wells Fargo offers a diverse lineup of credit cards tailored to different financial goals—whether you’re chasing rewards, managing debt, or building credit. Here’s a breakdown of the main types currently available
Cash Back Credit Cards
Wells Fargo offers a few standout cash back credit cards that cater to different spending styles—from flat-rate earners to lifestyle-focused rewards. Here’s a quick rundown of the top options:
. Wells Fargo Active Cash® Card
- Unlimited 2% cash back on all purchases—no categories to track
- $200 intro bonus after spending $500 in the first 3 months
- 0% intro APR for 12 months on purchases and qualifying balance transfers
- $0 annual fee
- Includes cell phone protection, Visa Signature® Concierge, and auto rental collision damage waiver
Wells Fargo Attune® Card
- 4% cash back on unique categories like:
- Self-care (gyms, salons, spas)
- Entertainment (sports, concerts)
- Public transit & EV charging
- 1% cash back on other purchases
- $100 intro bonus after spending $500 in the first 3 months
- Wells Fargo donates $50 to Capital Link when you earn the bonus
- $0 annual fee
- Ideal for lifestyle spenders who want rewards beyond groceries and dining
Signify Business Cash® Card
- Designed for small businesses
- Unlimited 2% cash back on business purchases
- $500 intro bonus after spending $5,000 in the first 3 months
- 0% intro APR for 12 months on purchases
- $0 annual fee
- No categories to track or limits on rewards
Rewards Credit Cards
Wells Fargo offers a strong lineup of rewards credit cards designed to match different lifestyles—from travel enthusiasts to everyday spenders. Here’s a breakdown of the most popular options and what they offer:
Top Wells Fargo Rewards Credit Cards
| Card Name | Rewards Structure | Annual Fee | Intro Offer |
|---|---|---|---|
| Autograph® Card | 3X points on restaurants, travel, gas stations, transit, streaming, and phone plans | $0 | 20,000 bonus points after $1,000 spend |
| Autograph Journey℠ Card | 5X on hotels, 4X on airlines, 3X on travel & restaurants, 1X on other purchases | $95 | 60,000 bonus points after $4,000 spend |
| Bilt Mastercard® | Earn points on rent payments, dining, travel, and more | $0 | Points on rent with no transaction fee |
| Choice Privileges® Mastercard® | 5X points on Choice Hotels stays, 2X on other travel purchases | $0 | Bonus points for hotel stays |
| Choice Privileges® Select Mastercard® | 10X points on Choice Hotels stays, 5X on travel & dining | $95 | Enhanced hotel rewards |
Read: How to contact Wells Fargo Customer Care Service:Phone number & Email address
Balance Transfer & Low Interest Cards
Wells Fargo offers a couple of standout credit cards designed specifically for balance transfers and low interest, ideal for managing debt or financing large purchases without paying high interest. Here’s a breakdown of the top options:
Wells Fargo Reflect® Card
Best for long 0% intro APR
- 0% intro APR for up to 21 months on purchases and qualifying balance transfers made within 120 days of account opening
- After the intro period, variable APR applies (typically between 19.24%–29.24%)
- No annual fee
- Includes cell phone protection and roadside dispatch
- Ideal for people who need extended time to pay off balances without interest
Wells Fargo Active Cash® CardBest for combining balance transfers with rewards
- 0% intro APR for 15 months on purchases and balance transfers
- Earn unlimited 2% cash back on all purchases
- $200 cash rewards bonus after spending $500 in the first 3 months
- No annual fee
- Great for those who want to save on interest and earn rewards at the same time
Balance Transfer Details
- Balance transfers must be made within the first 120 days to qualify for the intro APR
- A balance transfer fee applies—typically 3% for the first 120 days, then up to 5%
- Transfers from other Wells Fargo credit cards are not allowed
Travel Credit Cards
Wells Fargo offers several travel credit cards designed to help you earn rewards on flights, hotels, and everyday purchases—perfect for frequent flyers or savvy vacationers. Here’s a breakdown of the top options:
Wells Fargo Autograph Journey℠ Card
Best for premium travel rewards
- 60,000 bonus points after spending $4,000 in the first 3 months
- 5X points on hotels
- 4X points on airlines
- 3X points on other travel and restaurants
- 1X point on all other purchases
- $50 annual statement credit with a $50+ airline purchase
- $95 annual fee
- Great for travelers who want high-value redemptions and flexible point earnings
Wells Fargo Autograph® Card
Best for everyday travel and lifestyle spending
- 20,000 bonus points after spending $1,000 in the first 3 months
- 3X points on travel, restaurants, gas stations, transit, streaming, and phone plans
- 1X point on other purchases
- $0 annual fee
- Includes cell phone protection and Visa Signature® benefits
3. One Key™ Card
Best for Expedia, Hotels.com, and Vrbo users
- $300 in OneKeyCash™ after spending $1,000 in the first 3 months
- 3% back on Expedia, Hotels.com, Vrbo, gas stations, groceries, and dining
- 1.5% back on other purchases
- $0 annual fee
- Unlock Silver Member Prices with 15%+ savings on 10,000+ hotels
4. One Key+™ Card
Enhanced version of One Key™ with more perks
- $400 in OneKeyCash™ after spending $3,000 in the first 3 months
- 3% back on travel platforms, groceries, gas, and dining
- 2% back on other purchases
- $99 annual fee
- Unlock Gold Member Prices with 20%+ savings and Platinum status after $30,000 spend/year
. Choice Privileges® Cards
Ideal for frequent guests of Choice Hotels
- Earn up to 10X points on hotel stays
- Redeem for free nights, gift cards, or travel
- Two versions: one with no annual fee, and one with $95 annual fee and enhanced rewards
Read: Type of Capital one Credit cards and how to apply
How To Apply For A Wells Fargo Credit Card
Applying for a Wells Fargo credit card is straightforward and can be done entirely online. Here’s a step-by-step guide to help you through the process:
- Head to the Wells Fargo Credit Cards page to browse available cards.
- Select a card that fits your needs—whether it’s cash back, travel rewards, balance transfer, or business perks.
- Wells Fargo offers a prequalification tool that lets you see if you’re eligible without impacting your credit score.
- Once you’ve chosen a card, click the Apply Now button to begin your application.
- You’ll need to provide:
- Full name and contact info
- Social Security number
- Employment and income details
- Housing status and monthly rent/mortgage
- Double-check your details, agree to the terms, and submit your application.
- You may receive an instant decision, or Wells Fargo might take a few days to review your application.`
What are credit card rewards and how do they work?
Credit card rewards are incentives offered by credit card issuers to encourage spending and loyalty. When you use a rewards credit card, you earn points, miles, or cash back based on your purchases. These rewards can be redeemed for travel, merchandise, gift cards, statement credits, or even direct cash deposits.
Types of Credit Card Rewards
| Reward Type | How It Works | Typical Redemption Options |
|---|---|---|
| Cash Back | Earn a percentage of your spending back (e.g., 2% on all purchases) | Statement credit, bank deposit, gift cards |
| Points | Earn points per dollar spent, often with bonus categories | Travel, merchandise, gift cards, experiences |
| Miles | Earn miles for travel-related purchases or general spending | Flights, hotel stays, upgrades, travel perks |
How Rewards Work
- Earn
- You earn rewards every time you make a purchase.
- Some cards offer flat-rate rewards (e.g., 2% on everything), while others offer bonus categories (e.g., 3X on dining, 5X on travel).
- Track
- Rewards accumulate in your account and can be tracked via your card’s mobile app or online portal.
- Redeem
- You can redeem rewards for cash, travel, merchandise, or transfer them to partner programs (like airline or hotel loyalty programs).
- Some cards have minimum redemption thresholds or expiration policies, so it’s smart to stay informed.
- Maximize
- Use your card strategically in bonus categories.
- Take advantage of sign-up bonuses, accelerated rewards, and milestone perks.
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