The best Wells Fargo unsecured credit card is the Wells Fargo Cash Wise Visa Card because it has no annual fee, a $200 bonus for spending $1,000 in the first 3 months, and 1.5% cash back on all purchases. Wells Fargo also has a variety of other credit cards that cater to different lifestyles and financial goals. For example, the Wells Fargo Platinum Visa doesn’t have rewards but gives 0% APRs for 18 months on purchases and balance transfers.
Wells Fargo has no unsecured credit cards for bad credit. Almost all Wells Fargo unsecured credit cards require at least good credit (a score of 700+) to qualify. The only exception is the Wells Fargo Cash Back College Card, which accepts applicants with fair or limited credit. It has an intro APR of 0% for 6 months and no annual fee. So it might be a good way to start building your credit up, if you’re a college student.
Here are the best Wells Fargo unsecured credit cards:
Best for students: Wells Fargo Cash Back College Card. Limited credit accepted. No annual fee. 0% APR on purchases and transfers for 6 months. 3% cash back on gas, grocery, and drugstore purchases for the first 6 months. 1% cash back on everything else.
Best for travel and dining: Wells Fargo Propel American Express Card. Requires good credit. No annual fee. 0% APR on purchases and transfers for 12 months. 30,000 bonus points for spending $3,000 in the first 3 months. 3 points per $1 for dining, gas stations, and travel. 1 point per $1 on all other purchases.
Best for 0% APR: Wells Fargo Platinum Visa Card. Requires good credit. No annual fee. 0% APR on purchases and transfers for 18 months. 3% transfer fee. This card does not offer rewards.
Best for cash back: Wells Fargo Cash Wise Visa Card. Requires good credit. No annual fee. 0% APR on purchases and transfers for 12 months. $200 cash bonus for spending $1,000 in the first 3 months. Unlimited 1.5% cash rewards on purchases.
Best for gas rewards: Wells Fargo Rewards Card. Requires excellent credit. No annual fee. 0% APR on purchases and transfers for 15 months. 3% transfer fee. 5 points per $1 spent on gas, groceries and drugstore purchases for the first 6 months, up to $12,500. 1 point per $1 spent on everything else.
Wells Fargo offers a large selection of unsecured credit cards, with a variety of benefits. All you have to do is decide which perks are most important to you.
If you have bad credit, you can use the Wells Fargo Secured Card to rebuild your credit standing pretty inexpensively. It has an annual fee of $25 and requires a refundable security deposit of $300 or more. Secured cards report to the credit bureaus and help build credit just as well as unsecured cards do. If you prove yourself by paying on time, you can work toward getting a Wells Fargo unsecured credit card as you build your credit.
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