Best Wells Fargo Credit Card
Mostly, Wells Fargo Credit Card are with zero annual fee, attractive rewards, welcome bonus, benefits and perks. Credit card limit may range from $ 1,000 to $20,000. These credit cards are powered by Visa, you can use anywhere Visa is accepted. Moreover, you can withdraw at ATM by using these cards and daily limit of cash advance is usually $300. Equally important, Wells Fargo requires proof of income, excellent credits score and social security number to apply for card. OfCourse, Wells Fargo is old financial institution of USA. Wells Fargo issue many types of cards, we will discuss all one by one.
Obviously, Wells Fargo Active Cash Card has zero annual fees. in addition, you can avail products with defer payment of fifteen months with zero mark up. User will earn 2% unlimited reward at every kind of purchase. This card has handsome welcome bonus, just spend $1,000 during first 90 days of card membership and get $200 as a welcome bonus. Whereas card holder also enjoy 0$ balance transfer fee but this transfer should be made with 120 days of card membership. Finally, will discuss each card one by one.
Wells Fargo Credit Card: Best & Exclusive Review
Wells Fargo Active Cash Card
- Best Cash Back Card
- Best Balance Transfer Card
Earn 2% Unlimited Cash Back Reward with this amazing credit card
Welcome Bonus Get $200 cash reward after spending $500 during first 3 months.
Annual Fee $0
APR 19.24% to 29.24% Variable.
Intro APR 0% Intro APR for 12 months at qualifying purchases and balance transfer.
Balance Transfer Fee Intro Fee is 3% within 120 days after that 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee 3%
Wells Fargo Autograph Journey Card
- No Annual Fee
- Best Travel Card
Earn 5X at hotel, 4X at airlines & restaurants, 1X at all other purchases
Welcome Bonus Get 60,000 bonus points after spending $4,000 during 3 months.
Annual Fee $95
APR 20.24% to 29.24% Variable.
Intro APR Not available.
Balance Transfer Fee Intro Fee is 3% within 120 days after that 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee None
%50 annual Statement Credit.
Wells Fargo Autograph Card
- Best Rewards Card
- Best Travel Card
Earn 3X at restaurants, gas stations, transits, 1X at all other purchases
Welcome Bonus Get 20,000 bonus points after spending $1,000 during first 3 months.
Annual Fee $0
APR 19.24% to 29.24% Variable.
Intro APR Not available.
Balance Transfer Fee Intro Fee is 3% within 120 days after that 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee None
Late Payment penalty is $40
Wells Fargo Reflect Card
- No Annual Fee
- Best Balance Transfer Card
This card does not have attractive cash back or bonus rewards
Welcome Bonus This card does not have attractive welcome or sign-up bonus.
Annual Fee $0
APR 17.24% to 28.99% Variable.
Intro APR 0% Intro APR for 21 months at purchases and balance transfer.
Balance Transfer Fee Balance Transfer Fee is 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee 3%
Wells Fargo Attune Card
- No Annual Fee
- Best Cash Back Rewards
4% unlimited cash at Gym, saloon, spas, sports, recreation, 1% at all other
Welcome Bonus Get $100 cash back after $500 purchases during first 3 months.
Annual Fee $0
APR 19.24% to 29.24% Variable.
Intro APR Not available.
Balance Transfer Fee Intro Fee is 3% within 120 days after that 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee 3%
Late Payment penalty is $40
Wells Fargo Bilt Master Card
- Best Rewards Card
- No Annual Fee
Earn 2X at travel purchases, 3X at dining and 1% at other purchases
Welcome Bonus Get 1% at rent payment up to 100,000 points each year.
Annual Fee $0
APR 20.49% to 28.49% Variable.
Intro APR Not available.
Balance Transfer Fee Balance Transfer Fee is 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee None
Late Payment penalty is $40
Wells Fargo One Key Credit Card
- Best travel Credit Card
- Best Rewards Credit card
3% at Expedia, Hotels.com, Vrbo, gas stations, groceries, 1.5% all other
Welcome Bonus Get $400 in One Key Cash after spending $1,000 for 3 months.
Annual Fee $0
APR 19.24% to 29.24% Variable.
Intro APR No offer.
Balance Transfer Fee 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee None
Wells Fargo One Key+ Credit Card
- Best Travel Credit card
- Best Cash Back Rewards
3% at Expedia, Hotels.com, Vrbo, gas stations, groceries, 2% all other
Welcome Bonus Get $600 in One Key Cash after spending $3,000 for 3 months.
Annual Fee $0
APR 19.24% to 29.24% Variable.
Intro APR Not available.
Balance Transfer Fee 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee None
Wells Fargo Choice Privileges Master Card
- Best Rewards Card
- Best Travel Lovers Credit Card
5X at Choice hotels, 3X at gas stations, groceries, 1% at other purchases
Welcome Bonus Get 40,000 Bonus points after spending $1,000 in first 3 months.
Annual Fee $0
APR 19.99% to 29.24% Variable.
Intro APR Not available.
Balance Transfer Fee 5% of amount.
Cash Advance Fee 5% of amount.
Foreign Transaction Fee None
Wells Fargo One Key Credit Card: After spending $15,000 each year, you will get 15% more at 10,000 hotels worldwide.
Wells Fargo One Key+ Credit Card: After spending $30,000 each year, you will get 20% more at 10,000 hotels worldwide.
Wells Fargo Choice Privileges Master Card: Get 3% extra handsome rewards at home improvement, stores & phone plan services.
Well Fargo Choice Privileges Select Master Card
- Best travel Credit Card
- Best Rewards Credit card
- No Annual Fee
5X points at gas stations, groceries, 1X at all other purchases.
- Welcome Bonus 10X Points at participating Choice Hotel properties, Plus on Choice Privilege Point purchases.
- Annual Fee $95
- APR 19.99% to 29.24% Variable.
- Intro APR No offer.
- Balance Transfer Fee 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee None
Wells Fargo Signify Business Cash Card
- Best Travel Credit card
- Best Cash Back Rewards
- Best for Business Credit Card
Get 2% unlimited cash back reward. No limit of category or amount.
- Welcome Bonus Get $500 cash back rewards after spending $5,000 during first 3 months of account opening.
- Annual Fee $0
- APR 17.49% to 25.49% Variable.
- Intro APR 0% Intro APR for 12 months,
- Balance Transfer Fee 5% of amount.
- Cash Advance Fee 5% of amount.
- Foreign Transaction Fee 3%
Why Choose a Wells Fargo Credit Card?
Undoubtedly, Wells Fargo is one of the largest banks in the U.S., known for offering credit cards with competitive rewards and benefits. Whether you want a card with cashback, travel perks, or low APR, Wells Fargo has an option for you.
Key Benefits of Wells Fargo Credit Card
Cashback & Rewards – Earn points or cash on everyday purchases.
Introductory 0% APR – Save on interest for a set period.
Travel Perks – Get benefits like travel insurance and no foreign transaction fees.
Security & Protection – Advanced fraud protection and zero-liability guarantees.
Now, let’s look at the top Wells Fargo credit cards and what they offer.
1. Wells Fargo Active Cash® Card
The Wells Fargo Active Cash® Card is perfect if you want a simple and rewarding cashback card. It offers:
Unlimited 2% cashback on all purchases.
1. 0% APR on purchases and balance transfers for the first 15 months.
2. $200 welcome bonus after spending $500 in the first three months.
3. No annual fee.
This card is great for everyday use since you don’t have to track categories or sign up for cashback promotions.
2. Wells Fargo Reflect® Card
If you’re looking for a low-interest credit card, the Wells Fargo Reflect® Card is a solid choice. Its key benefits include:
1. 0% APR for up to 21 months (with on-time payments).
2. No annual fee.
3. Fraud protection and credit monitoring.
This card is ideal if you want to finance a large purchase or transfer a balance without paying high interest.
3. Wells Fargo Autograph℠ Card
For those who love to earn rewards on travel and dining, the Wells Fargo Autograph℠ Card is an excellent pick. It offers:
1. 3X points on dining, travel, gas stations, and streaming services.
2. 1X points on other purchases.
3. No annual fee.
4. 20,000-point welcome bonus (worth $200) after spending $1,000 in the first three months.
This card is a great option for frequent travelers and food lovers who want to maximize their rewards.
How to Choose the Right Wells Fargo Credit Card
Obviously, selecting the right card depends on your financial goals. In short, consider the following:
Do you want cashback? → Go for the Active Cash® Card.
Need a long 0% APR offer? → Choose the Reflect® Card.
Want travel and dining rewards? → Pick the Autograph℠ Card.
It should be noted, before applying, check your credit score and compare your options to find the best fit.
How to Apply for a Wells Fargo Credit Card
Furthermore, applying for a Wells Fargo credit card is simple. Follow these steps:
Check Your Eligibility
Before applying, ensure you meet the minimum requirements:
- Good to excellent credit score (typically 670+).
- A steady source of income.
- U.S. residency and age of 18 or above.
Gather Required Documents
You’ll need:
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Proof of income (pay stubs, tax returns).
- A valid U.S. address.
Submit an Online Application
Visit the Wells Fargo website and choose the card you want. Fill in your details and submit the application. You’ll usually get an instant decision or be notified within a few days.
How to check Wells Fargo Card Application Status
In short, after applying for a Wells Fargo credit card, you can check your application status:
Online: If you applied online, you might receive an instant decision. If not, Wells Fargo will mail you a credit decision within 5 to 7 business days.
By Phone: You can call Wells Fargo’s application status line at 1-800-967-9521 to inquire about your application’s progress.
www-static.wellsfargo.com
Wells Fargo Credit Card Customer Service
Similarly, Wells Fargo offers multiple channels for customer support:
Phone: For general inquiries or assistance, you can contact customer service at 1-800-642-4720.
Online: By logging into your Wells Fargo online account, you can access a range of services, including viewing statements, making payments, and managing account settings.
Wells Fargo Credit Card Customer Service
Similarly, Wells Fargo offers multiple channels for customer support:
Phone: For general inquiries or assistance, you can contact customer service at 1-800-642-4720.
Online: By logging into your Wells Fargo online account, you can access a range of services, including viewing statements, making payments, and managing account settings.
Summary of Wells Fargo Credit Card: Best & Exclusive Review
| Credit Card | Best for | Annual Fee | Welcome Bonus | Credit Score |
| Wells Fargo Active Cash Card | Flat Rate Cahs Rewards | $0 | $200 Cash Rewards | Excellent, Good |
| Wells Fargo Autograph Journey Card | Best for Travel | $95 | 60,000 Bonus Points | Excellent, Good |
| Wells Fargo Autograph Card | Best for everyday spending | $0 | 20,000 Bonus Points | Excellent, Good |
| Wells Fargo Reflect Card | Best for Balance Transfer | $0 | N/A | Excellent, Good |
| Wells Fargo Attune Card | Unique Category Rewards | $0 | $100 Cash Rewards | Excellent, Good |
| Wells Fargo Bilt Master Card | Flexible Travel Rewards | $0 | N/A | Excellent, Good |
| Wells Fargo One Key Credit Card | Best for One Key Member | $0 | $400 in One Key Cash | Excellent, Good |
| Wells Fargo One Key+ Credit Card | Best for One Key Member | $99 | $600 in One Key Cash | Excellent, Good |
| Wells Fargo Choice Privileges Master Card | Best for Hotels | $0 | 40,000 Bonus Points | Excellent, Good |
| Well Fargo Choice Privileges Select Master Card | Best for Hotels | $95 | 60,000 Bonus Points | Excellent, Good |
| Wells Fargo Signify Business Cash Card | Cash Rewards, Business Card | $0 | $500 Cash Rewards | Excellent, Good |
Pros and Cons
Accordingly, understanding the advantages and potential drawbacks of Wells Fargo credit cards can aid in your decision-making:
Pros:
Diverse Rewards Programs: Options for cash back, points, and travel rewards to suit different spending habits.
Introductory APR Offers: Competitive 0% APR periods for balance transfers and purchases on select cards.
No Foreign Transaction Fees: Certain cards, like the Autograph℠ Card, are ideal for international use.
Cons:
Balance Transfer Fees: Fees can be as high as 5% of the transfer amount, which may offset some interest savings.
Limited International Acceptance: While some cards have no foreign transaction fees, not all Wells Fargo cards offer this benefit.
How to increase Wells Fargo Credit Card Limit
Consequently, if you’re considering requesting a credit limit increase:
Request Process: You can request a credit limit increase by calling the number on the back of your card or through your online account. Approval is subject to creditworthiness and other factors. wellsfargo.com
Toll-Free Numbers: For assistance and inquiries, Wells Fargo provides several toll-free numbers:
General Customer Service: 1-800-642-4720
Application Status: 1-800-967-9521
Rewards Redemption: 1-877-517-1358
Wells Fargo Business Platinum Credit Card:
Firstly, Wells Fargo Business Platinum Credit Card offer 1.5% unlimited cash back reward at qualifying purchases. In simple words you will earn 1 reward point for every dollar spent. But for earning rewards condition is that you have to spend $1,000 each month. Secondly, you can earn welcome bonus of worth $300 in shape of cash back after spending $3,000 during first 3 months of card membership. Card holder can enjoy products at deferred payment for nine months with zero mark up. This business card is best for your business also for your employees. Your 99 employees can avail free card facility.
Additional Benefits:
With this card you got following additional benefits.
- Zero Liability Protection
- Fraud Monitoring
- Transaction Alerts
- Auto Rental Insurance
- Travel Accident Insurance
- Overdraft Protection
- Chip Embedded Technology
- Online banking
For reporting purpose following features are available.
- Analyze spending
- Track spending at merchants
- Identify cost savings
Card Features:
Rewards: You can earn 1.5% unlimited cash back rewards at qualifying purchases.
Welcome Bonus: For getting welcome bonus, just spend $3,000 during first 3 months to get $300 or 30,000 bonus points.
Annual Fee: This card has no annual fee.
Intro APR: This card has 0% for 09 month.
Regular APR: Regular APR at this card is 19.25% to 29.50% that is variable.
Balance Transfer Fee: Balance transfer facility is not available with this card.
Foreign Transaction Fee: Foreign Transaction Fee at this card is at 0%.
Credit Needed: To get this card you have need good or excellent credit score history. Credit score of 700 or plus is needed.
Wells Fargo Business Elite Signature Card
Above all, Wells Fargo Business Elite Signature Card is specially designed for emerging business. With this card business owners can get $1,000 cash bonus or 100,000 bonus points with spending $10,000 during first three months of card membership. This card has opportunity to earn 1.5% cash back at qualifying purchases. Finally, this card comes with zero annual fees at first year, afterward $125 will be charged. But this cost will be offset with its benefits. With this card you can get 200 free cards for your employees.
Additional Benefits:
With this card you got below mention additional benefits.
- Travel Protection (You will get up to $250,000)
- Travel Accidental Insurance (You will get up to $2,500 per ticket)
- Trip Cancellation (You will get up to $300 per ticket)
- Trip Delay Reimbursement (You will get up to $300 per ticket)
- Lost Luggage Coverage (You will get up to $3,000 per trip)
- Auto Rental Insurance
- Travel and Emergency Assistance Service
- Purchase Protection
- Chip Enabled Technology Card
- Transaction Alerts
- Fraud Monitoring
- Visa Purchase Security
- Visa Extended Warranty Protection
- Billing options
- Cash Management Tools
Features
Rewards: You can earn 1.5% unlimited rewards at qualifying purchases.
Welcome Bonus: For getting welcome bonus, just spend $10,000 during first 90 days of card membership and earn $1,000 cash back bonus or 100,000 bonus points.
Annual Fee: This card has no annual fee for first year, after that $125 will be charged each year.
Intro APR: This card does not offer Intro APR, because it is especially for businesses.
Regular APR: Regular APR at this card is 19.25% to 29.50% that is variable.
Balance Transfer Fee: Balance transfer facility is not available with this card.
Foreign Transaction Fee: Foreign Transaction Fee at this card is at 0%.
Credit Needed: To get this card you have need good or excellent credit score history. Credit score of 700 or plus is needed.
Wells Fargo Autograph Card
Undeniably, Wells Fargo Autograph Card is most famous card of the market. A card with handsome rewards, sign up bonus, $0 annual fee, outstanding benefits & perks. Overall, card holder can earn 3X points at restaurants, travel gas stations, transits and cell phone purchases. Beauty of this card it does not have any annual fee or foreign transaction fee. You can get 20,000 bonus points as welcome bonus after spending just $1,000 during first ninety days.
Additional Benefits:
With this card you got below mention additional benefits.
- Cell Pone Protection (You have to pay one time $25 to get up to $600 in case of damage or theft).
- Auto rental collision damage waiver
- Travel & emergency service assistance
- Emergency cash disbursement
- Card replacement
- Concierge Services
- My Wells Fargo Deal
- Zero liability protection
- Luxury hotel collection
You can redeem rewards for:
- Travel
- Gift cards
- Purchases
- PayPal
Features
Rewards: You can earn 1.5% unlimited rewards at qualifying purchases.
Welcome Bonus: For getting welcome bonus, just spend $1,000 during first 90 days of card membership and earn 20,000 bonus points that have worth of $200.
Annual Fee: This card has no annual fee.
Intro APR: This card offers 0% for 12 months.
Regular APR: Regular APR at this card is 19.25% to 29.50% that is variable.
Balance Transfer Fee: Balance transfer facility is not available with this card.
Foreign Transaction Fee: Foreign Transaction Fee at this card is at 0%.
Credit Needed: To get this card you have need good or excellent credit score history. Credit score of 700 or plus is needed.
Final Thoughts
A Wells Fargo credit card can provide excellent rewards, cashback, or low-interest benefits, depending on your needs. Whether you want a simple cashback card, an interest-free period, or rewards for travel, Wells Fargo has a great option. Compare the cards and choose the one that aligns with your spending habits.
Do you already use a Wells Fargo credit card? Share your experience in the comments below!
Frequently Asked Questions:
Can Wells Fargo Credit Card be used anywhere?
Wells Fargo Credit Card is full fledging credit card that is powered by Visa network. You can use it anywhere Visa is accepted. This card can be used for ATM withdrawals and for the foreign transactions and acceptable at all online retailers.
Can Wells Fargo credit card be used internationally?
Wells Fargo Credit Card is full fledging credit card that is powered by Visa. You can use it anywhere Visa is accepted. You can it for foreign transactions. Foreign Transaction Fee is zero or 3% depends upon your card type.
Is it difficult to get a Wells Fargo Credit Card?
Yes, to apply for this card you have need of excellent credit score history. Maintaining an excellent credit score history is usually difficult step and require some techniques.
Why is Wells Fargo famous?
Wells Fargo is oldest financial institution of USA. It has huge assets, reputation and large number of loyal customers. Now it is adding more benefits and features to its products according to current requirement. This thing is making it un-beatable.
What is unethical about Wells Fargo?
It is a market about the Wells Fargo that it has more than 3.5 million fraudulent accounts that are damaging market and customers. However, you are 100% secure with Wells Fargo.
What is Wells Fargo ATM withdrawal limit?
With Wells Fargo, you can get daily ATM withdrawal limit of $300 but it depends upon many factors. However, every card has a limit for ATM and is usable where Visa is accepted.
Does Wells Fargo require proof of income?
Yes, Wells Fargo has strict criteria for credit cards. It requires and also verifies your source of income before entertaining the request of credit card. Further it also requires excellent credit score history.
Can a non-citizen open a Wells Fargo account?
No, Social Security Number is mandatory requirement to apply for the card. So a non-citizen cannot apply this card.
What is credit card limit of Wells Fargo?
Wells Fargo credit card limit is between $1,000 to 20,000, depends upon your credit score, your past payment behavior and number of available credit cards.
What credit score do I need for a Wells Fargo credit card?
Most Wells Fargo cards require a good to excellent credit score (670+).
How long does it take to get approved?
Many applications receive instant decisions, but some may take a few days.
Can I increase my credit limit?
Yes, Wells Fargo allows credit limit increases based on payment history and income.
Does Wells Fargo have a secured credit card?
Yes, Wells Fargo offers secured credit cards for those looking to build or rebuild credit.
Are Wells Fargo credit cards good for travel?
Yes, card just like Wells Fargo Autograph Credit Card have zero foreign transaction fee and many other travel perks.