Best Wells Fargo Credit Cards

The right card can help build your credit rating, earn bonus cash back or shorten the time until your next great trip. But with many credit cards to choose from, how do you find the best fit for your future finances? If you’re looking for a new card but aren’t sure which Wells Fargo option makes the most sense, we can help. 

Our team has compiled the list below of the best Wells Fargo credit cards.

Best Wells Fargo credit card for reward seekers: Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® card
Wells Fargo Propel American Express® card
Earn 30,000 bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value.

Why it’s the best

The Wells Fargo Propel American Express Card delivers with 3x points for eating out, dining in, gas stations, ride-sharing, flights, hotel stays car rentals and even popular streaming services. Plus, get 1x points on all other purchases with no annual fee and redeem your rewards your way for travel, statement credit or gift cards.

Bonus points:

  • Earn 30,000 bonus points by spending $3,000 in purchases in the first three months after opening your account — that’s $300 in cash redemption value.
  • Enjoy no blackout dates on travel when you book through Go Far Rewards, and make it even easier on yourself by combining points and payment cards for your booking.

Best Wells Fargo credit card for cash back: Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® card
Wells Fargo Cash Wise Visa® card
Earn a $150 cash rewards bonus after spending $500 in the first 3 months.

Why it’s the best

When it comes to cash back, the Wells Fargo Cash Wise Visa Card makes it simple: Get unlimited 1.5% cash back on all purchases, all the time. Plus, there’s no annual fee, and you enjoy 0% APR on purchases and balance transfers for the first 15 months, letting you earn maximum cash back without worrying about interest payments. 

Bonus points:

  • Spend $500 on items in the first three months to get $150 in cash rewards. You can then redeem it as a direct deposit into your accounts, cash back at ATMs or credit to your qualified Wells Fargo mortgage principal balance.
  • Enjoy 24/7 fraud monitoring and alerts to help ensure the safety of your cash back card.

Best Wells Fargo credit card for low intro APR: Wells Fargo® Platinum Card

Wells Fargo Platinum card
Wells Fargo Platinum card
Apply and take control of your credit health with Wells Fargo's longest intro APR.

Why it’s the best

No one likes paying interest — and credit cards are often the safest way to handle unexpected expenses or make large home purchases. The Wells Fargo Platinum Card gives you the best of both worlds: Great credit with no annual fee, including 0% APR on balance transfers and purchases for the first 18 months. With this benefit, you can take control of your finances or make big purchases with time to fully pay back balances before standard APR applies.

Bonus points:

  • Use My Money Map to manage your spending and create a budget that gets your card paid down more quickly.
  • Access your FICO credit score through Wells Fargo Online to see where you’re getting ahead — and where you can improve.

Best Wells Fargo credit card for gas and groceries: Wells Fargo Rewards® Card

Why it’s the best

Everyone spends on gas and groceries — why not earn points at the same time? With the Wells Fargo Rewards Card, you get 1x points on every purchase and 5x rewards points on gas, groceries and drugstore items for the first six months (up to $12,500 total). Plus, you have five years to redeem your points for travel, gift cards or online purchases.

Bonus points:

  • With 0% APR on balance transfers and purchases for the first 15 months, you can start earning 5x points without worrying about interest.
  • Get even more bonus points, and access to great deals with the Wells Fargo Earn More Mall feature.

Best Wells Fargo credit card for students: Wells Fargo Cash Back College℠Card

Why it’s the best

College is a great time to start building credit — why not earn some cash back at the same time with the Wells Fargo Cash Back College Card? Here’s how it works: You get 3% cash rewards up to $2,500 spent on gas, groceries and drugstore items in the first six months, plus 1% cash rewards for all other purchases. 

Bonus points:

  • Redemption flexibility lets you get what you need when you need it — from travel rewards to visit family to gift cards for popular grocery or drug stores to cash redemption for a weekend away.
  • Access your FICO credit score along with credit education and budgeting tools online to build your credit and make sure you’re always paying your balance on time.

Best Wells Fargo credit card for Visa Signature Rewards: Wells Fargo Visa Signature® Card

Why it’s the best

Visa Signature rewards points are valuable — redeem them for great travel options, brand-name merchandise, gift cards or cash. Earn more Signature rewards with the Wells Fargo Visa Signature Card; get 1x points for every dollar you spend, along with 5x points on gas, grocery and drug store purchases up to $12,500 for the first six months.

Bonus points:

  • Get 50% more value from your points when you redeem them for airfare. This makes 20,000 points worth $300 in airfare with no blackout dates, advance booking or minimum stay requirements.
  • Visa Signature privileges give you insider access to upcoming entertainment events, letting you get some of the best seats in the house — first. 

Best Wells Fargo credit card for building credit: Wells Fargo Secured Card

Why it’s the best

Ready to build (or rebuild) your credit? Start with the Wells Fargo Secured Card. With just a $300 security deposit, you get access to $300 in secured credit that helps you establish a credit history and pave the way for an unsecured credit card upgrade — provided you pay your balance on time. With a $25 annual fee and availability, even if you’re a permanent resident or nonresident alien, this will help increase your credit score and develop good spending habits.

Bonus points:

  • Your credit activity is shared with major credit bureaus to help establish and build your credit history.
  • Set up Automatic Payments with Wells Fargo to ensure you’re always on time — and streamline the process of upgrading to an unsecured credit card.

Doug Bonderud

An award-winning finance, technology and security writer, Doug has a knack for distilling complex concepts down into actionable, readable copy that generates interest and drives engagement