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

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Wells Fargo doesn't have a huge variety of cards to choose from, but they're definitely still worth looking into. Each Wells Fargo card has its own unique list of rewards and benefits that suit a variety of different customers.

From cards that earn you stamps toward a free hotel night, to being able to earn unlimited pointson select bonus categories like dining and transit, to one of the longest 0% APR offers on the market, there's a Wells Fargo card for just about everyone.

Here's a guide to picking the best Wells Fargo credit card for you.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

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

Annual Fee

$0

Regular APR

17.24%, 22.24%, or 27.24% Variable

Recommended Credit Score

Good to Excellent

Annual Fee

$0

Regular APR

17.24%, 22.24%, or 27.24% Variable

Recommended Credit Score

Good to Excellent

Pros

  • Good welcome bonus for a $0 annual fee card
  • Straightforward 2% cash rewards on purchases with no categories to track
  • Strong benefits including cell phone protection, Visa Signature perks, and a 0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then 17.24%, 22.24%, or 27.24% Variable APR)

Cons

  • If you've opened a Wells Fargo card in the past 15 months, you may not be eligible for the bonus or intro APR offer
  • Foreign transaction fees
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  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; 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
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions

Best if you pay rent: Bilt Mastercard®

Bilt Mastercard®

Annual Fee

$0

Regular APR

14.99% - 29.99% Variable

Recommended Credit Score

Good to Excellent

Bilt Mastercard®

Annual Fee

$0

Regular APR

14.99% - 29.99% Variable

Recommended Credit Score

Good to Excellent

Pros

  • Only credit card to offer rent payments to any landlord with no fees
  • Excellent range of airline and hotel transfer partners
  • World Elite Mastercard benefits and no annual fee
  • Earn interest on rewards

Cons

  • If you’re not a renter, other cards offer better welcome bonuses and rewards
  • You need Silver status or higher to earn interest on points
  • Must make 5 transactions per statement period to earn points
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  • The information related to the Bilt Mastercard® has been collected by Business Insider and has not been reviewed by the issuer.
  • 3X point per dollar spent on dining
  • 2X point per dollar spent on travel (when booked directly with an airline, hotel, car rental or cruise company)
  • 1X points per dollar spent on rent payments (up to $50,000 each year)
  • World Elite Mastercard benefits including cell phone insurance, purchase assurance, Lyft, Doordash, and Shoprunner discounts, Mastercard Luxury Hotel & Resorts, World Elite Concierge
  • No foreign transaction fee
  • Annual fee is $0

Best for paying down debt: Wells Fargo Reflect® Card

Annual Fee

$0

Regular APR

15.24% - 27.24% Variable

Recommended Credit Score

Good to Excellent

Annual Fee

$0

Regular APR

15.24% - 27.24% Variable

Recommended Credit Score

Good to Excellent

Pros

  • Extra-long intro APR on purchases and qualifying balance transfers
  • No annual fee
  • Cell phone protection

Cons

  • No rewards
  • Foreign transaction fees

More Information

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. 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
  • $0 Annual Fee
  • 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).
  • An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants.
  • Select "Apply Now" to learn more about the product features, terms and conditions

Best for hotel bookings:Hotels.com®️ Rewards Visa®️ Credit Card

Annual Fee

$0

Regular APR

17.24% - 25.24% Variable

Recommended Credit Score

Good to Excellent

Annual Fee

$0

Regular APR

17.24% - 25.24% Variable

Recommended Credit Score

Good to Excellent

Pros

  • Earn reward nights without worrying about complex hotel loyalty programs
  • No annual fee and no foreign currency conversion fees
  • Automatic Silver Membership that comes with VIP perks as long as your card remains open

Cons

  • Rewards are only good for reward nights hotel stays
  • No bonus rewards categories
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  • Limited Time Offer! Get 3 reward nights worth $375 total (max $125 per night)* with qualifying purchases. Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months. *Excludes taxes and fees. If a night costs less than $125, you won't get the difference.
  • Collect 1 stamp each time you spend $500 on purchases with your card and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • Enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi, and more at selected properties for as long as your card is open.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when your passenger fare is booked with your card.

Best for unlimited cash rewards: Wells Fargo Autograph℠ Card

Annual Fee

$0

Regular APR

17.24%, 22.24%, or 27.24% Variable

Recommended Credit Score

Good to Excellent

Pros

  • Generous welcome bonus for a no-annual-fee card
  • Great 3x earning rates in useful categories, including dining, travel, and gas stations (plus, earn 1x points on other purchases)
  • Useful benefits including cell phone protection and Visa Signature concierge

Cons

  • Minimum spending requirement to earn bonus is slightly higher than similar no-annual-fee cards
  • No airline or hotel transfer partners

More Information

  • Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value
  • Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
  • $0 annual fee
  • 0% intro APR for 12 months from account opening on purchases. 17.24%, 22.24%, or 27.24% variable APR thereafter
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.
  • Select "Apply Now" to learn more about the product features, terms and conditions.

Compare the best Wells Fargo cards

Wells Fargo Active Cash card

Why the Active Cash cardis worth it:The Active Cash® Card earns 2% cash rewards on purchases — one of the best flat cash rewards rates of any no-annual-fee card.

Welcome bonus offer: New cardholders can earn a$200 cash rewards bonus after spending $1,000 in purchases in the first 3 months from account opening.

The Active Cash® Card offers a simple 2% cash rewards on purchases. The welcome bonus offer is decent for a no-annual-fee card, and there are no rotating categories, no quarterly activations, no category limitations, and no earning caps.

The Active Cash® Card is part of the Wells Fargo Rewards program so you can redeem rewards as statement credits (to a Wells Fargo Mortgage, loan, or credit product), on purchases charged to your credit (starting at $1), and as cash or gift cards. You can also redeem rewards toward travel bookings.

The Active Cash® Cardhas a0% intro APR on purchases and qualifying balance transfers for 15 months from account opening (then a 17.24%, 22.24%, or 27.24% Variable APR). Although the Wells Fargo Reflect® Card has a longer intro APR offer, this is still a solid deal.

Another great feature is cell phone protection coverage if your phone is damaged or stolen. It's worth up $600 per claim, with a $25 deductible (maximum of two claims every year). Other benefits include Visa Signature concierge (24/7 concierge service), travel emergency cash disbursement and card replacement, roadside dispatch, and access to the Visa Signature Luxury hotel collection.

Review: Wells Fargo Active Cash card review

Wells Fargo Bilt Mastercard

Why the Bilt Mastercardis worth it:The Bilt Mastercard®lets you earn points when you pay rent with no additional fees, no annualfee, and you can transfer points to excellent airline and hotel partners.

Welcome bonus offer: N/A

If you're looking to earn rewards on rent payments, the Bilt Mastercard®is the best (and only) card that allows you to earn points when you pay your rent, with no additional fees. Bilt can send a check, or make a direct bank transfer to your landlord to avoid the transaction fee.

You earn1 point per dollar spent on rental payments up to $50,000 a year for no annual fee. You can also earn 2x points on travel bookings, 3x points on dining, and 1x points on all other purchases. However,you have to make at least fivetransactions per statement to receive any earned points.

The Bilt Mastercard® lets you earn 25,000 points when you refer five friends/family members (capped at 1 million bonus points). Interestingly enough, you don't even have to use the Bilt Mastercard® for referrals. Instead, you just use the app to "Invite" people.

Other than the $0 annual fee, the most notable benefit of the Bilt Mastercard®isthat cardholders can transfer points to a great selection of airlines and hotels partnered with Bilt Rewards.Your other options for redeeming rewards are using pointstoward a down payment or mortgage, on fitness classes (like Soul Cycle, Rumble, and Y7), or on merchandise (through the Bilt app).

Review: Wells Fargo Bilt Mastercard Review

Wells Fargo Reflect card

Why the Reflect cardis worth it:The Wells Fargo Reflect® Card has an exceptionally long introductory APR offer which makes it a great choice for those trying to pay down debt or other large purchases.

Welcome bonus offer: N/A

It's true that the Wells Fargo Reflect® Card doesn't earn cardholders rewards or any sort of welcome bonus offer, but it's a great option for folks paying down debt. It offers a0% intro APR for up to 21 months on purchases and qualifying balance transfers from account opening (then a15.24% - 27.24% Variable).

The Wells Fargo Reflect® Card intro APR rate is rare and one of the best out there. Although there are other cards that offer good intro APR as well as earning rewards on spending, the Wells Fargo Reflect® Card's intro APR offer is significantly longer than most. In order to qualify for the intro APR on balance transfers, you have to makethe transfer within the first 120 days of account opening.

The card comes only with a few perks, the most notable being cell phone protection. You can get up to $600 of cell protection (with the $25 dollar deductible), but you have to pay your monthly phone bill in order to receive this benefit. When you use your Wells Fargo Reflect® Card you also get roadside dispatch and zero liability protection.

If you're considering applying for the Wells Fargo Reflect® Card, be mindful of when the intro APR bonus runs out. The regular APR is a15.24% - 27.24% Variable. Because the intro APR bonus is the most rewarding aspect of the card, it's not a good choice for spending in the long term. But remember that the card has a $0 annual fee so it won't cost youanything to keep it.

Review: Wells Fargo Reflect card review

Hotels.com credit card

Why the Hotels.com Rewards Visa card is worth it:The Hotels.com®️ Rewards Visa®️ gets you access to thousands of properties at a discounted price. Plus, you'll receive a decent intro APRand get the chance to earn a significant welcome bonus offer for no annual fee.

Welcome bonus offer: For alimited time, when you opentheHotels.com®️ Rewards Visa®️you canearn2 reward nights (each worth up to $125) after spending $1,000 on purchases in the first 3 months from account opening and a third reward night after spending $4,000 on total purchases in the first 6 months.

The no-annual-fee Hotels.com®️ Rewards Visa®️ is a good card for folks looking to find discounted hotels, apartments, and home rentals all while earning stamps towards reward nights (10 stamps = 1 reward night), and you canearn a pretty good welcome bonus. The Hotels.com loyalty programs earn 1 stamp for every $500 spent even if you don't have the Hotels.com®️ Rewards Visa®️.

One of the best features of this card is that you automatically receive Hotels.com Silverstatus upon card approval, earning you additional benefits such as free airport transfers, free breakfast, free internet access, and access to even more perks at select VIP properties. Keep in mind, however, that the Hotels.com Silver status program is not available at all hotel locations.

The other benefits you'll receive with the Hotels.com®️ Rewards Visa®️are cell phone protection (up to $600 of protection and subject to a $25 deductible), no foreign transaction fees, zero liability protection, and trip cancellation and interruptioninsurance (if your card was used to purchase non-refundable passenger fare that is interrupted or canceled).

Review: Wells Fargo Hotels.com Rewards Visa card review

Wells Fargo Autograph card

Why the Autograph card is worth it:The no-annual-fee Wells Fargo Autograph℠ Card earns cardholders unlimited 3x points on select bonus categories with a sizable welcome bonus offer and a decent intro APR.

Welcome bonus offer: You canearn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months from account opening.

If you're looking for a no-annual-fee cardyou should check out the Wells Fargo Autograph℠ Card. The card earns you unlimited rewards in a wide variety of bonus categories, as well as the opportunity to earn a significant welcome bonus offer. With the Wells Fargo Autograph℠ Card you'll earn 3x points on dining, travel, gas, transit, select streaming services, and on phone plans (all other purchases earn 1x points). The card also has0% intro APR on purchases for 12 months from account opening(then a 17.24%, 22.24%, or 27.24% Variable APR).

You can redeem points for travel (such as flights, car rentals, and hotel stays), as gift cards, and as purchases (starting at $1). Also, you can use your points to pay through PayPal.

The Wells Fargo Autograph℠ Card gets decent benefits like cell phone protection, auto rental collision damage waiver, travel and emergency assistance, roadside dispatch, zero liability protection, and emergency cash disbursement and card replacement. You'll also get VisaSignature privileges like 24/7 concierge service and access to the Luxury Hotel Collection.

You'll probably only benefit from the Wells Fargo Autograph℠ Card if your expenses match the3x bonus categories. Otherwise, you'll only earn 1x points on other purchases so you're better off looking at other no-annual-fee cards that better match your preferred spending categories.

Review: Wells Fargo Autograph card review

Wells Fargo credit card frequently asked questions (FAQ)

Is Wells Fargo no longer offering credit cards?

Wells Fargo is still offering credit cards. Although Wells Fargo did retire most of its legacy cards (such as theWells Fargo Propel American Express® card), a new generation of products has recently been released with some of the same characteristics as the retired cards. The newest releases from Wells Fargo are theBilt Mastercard®, Wells Fargo Reflect® Card, Wells Fargo Autograph℠ Card, and Active Cash® Card.

How do you qualify for a Wells Fargo card?

You need good to excellent credit to qualify for a Wells Fargo card (FICO classifies a good credit score to be between 670 to 739). If you need to build your credit score, usingyour card responsibly,and making on-time payments can help. Check out our list of best starter cards, as well as read about the best ways to be responsible with your credit.

How many Wells Fargo cards can I have?

Wells Fargo does not limit the number of cards you can have at one time. Although, you might not qualify for another card if you've opened one in the last six months.

Does Wells Fargo have a secured card?

As of December 2019, the Wells Fargo Secured Card was no longer accepting applications. Theredo not seem to be any plans for reopening the card. Other banks that offer secured cards are Capital One, Citi, Discover, and Bank of America. Read our guide to the best credit cards for bad credit for the top options.

How do you apply for a Wells Fargo card?

You can apply for a Wells Fargo card on the Wells Fargo website or in person at a Wells Fargo branch.

Tessa Campbell

Personal Finance Reviews Fellow

Tessa Campbell is a Personal Finance Reviews Fellow who reports on credit cards. Prior to joining Insider she was completing her bachelors at Susquehanna University as part of the 2022 class. Her creative nonfiction pieces and poetry have appeared in publications including Essay Magazine and Omnivisum. Her love of books, research, and coffee enrich her day to day life.

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The 5 best Wells Fargo cards of August 2022: Earn points on rent, get cash rewards, or qualify for an extra long 0% intro APR (1)

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