Compare Wells Fargo Credit Cards
Roughly 24 million people have Wells Fargo credit cards, as of 2017, and Wells Fargo credit card reviews note both pros and cons, as can be expected. Positive reviews of Wells Fargo credit cards praise the company’s attractive cash back and travel rewards offers, while Wells Fargo credit card complaints typically stem from customer service disputes.
Wells Fargo Credit Cards with Good Reviews
If you’re comparing Wells Fargo credit card offers because you’re in the market for a new card, you’ll also want to check out the WalletHub editors’ picks for the best Wells Fargo credit cards.
0% for 21 months from account opening
0% for 21 months from account opening on qualifying balance transfers|Transfer Fee: 5% (min $5)
17.99% - 29.99% Variable
annual fee
$0
rewards rate
None
Good Credit
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
Cons
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
Additional Info
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.99% to 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee
- 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).
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
- Select "Apply Now" to learn more about the product features, terms and conditions
- More Details & Reviews About Wells Fargo Reflect® Card
0% for 15 months from account opening
0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
19.99% - 29.99% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
Good Credit
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- No categories to track or remember and cash rewards don't expire as long as your account remains open
Additional Info
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.99%, 24.99%, or 29.99% 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
- 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
- More Details & Reviews About Wells Fargo Active Cash® Card
0% for 12 months from account opening
Not Offered
19.99% - 29.99% Variable
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
20,000 points
Bonus Offer
20,000 points
Good Credit
Pros
- 20,000-point initial bonus
- 3 points / $1 spent in bonus categories
- $0 annual fee
- 0% for 12 months from account opening on purchases intro offer
- $600 in cell phone protection (subject to a $25 deductible)
Cons
- 19.99% - 29.99% Variable regular APR
- No balance transfer promotion
Rewards Details
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 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
- 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.
Additional Info
- $0 annual fee
- 0% intro APR for 12 months from account opening on purchases. 19.99%, 24.99%, or 29.99% 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).
- 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.
- More Details & Reviews About Wells Fargo Autograph℠ Card

Not Offered
Not Offered
21.24% - 29.24% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Good Credit
Pros
- No membership fees
- High rewards rate
- Bonus rewards categories
- No foreign fee
Cons
- No initial rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Rewards Details
- When you make at least 5 posted transactions in a statement period using your Bilt Credit Card, you'll earn points on rent and qualifying net purchases.
- Earn double rewards on Rent Day with 6 reward points on dining per $1 spent, 4 reward points on travel, and 2 reward points on other purchases (except rent).
- Earn 1 rewards point per $1 spent on rent paid through the Bilt App with your card account up to a maximum of one hundred thousand (100,000) points each calendar year. If your rent payment is less than $250, you will earn 250 points for that rent payment.
- Earn 3 rewards points per $1 spent on qualifying net dining purchases.
- Earn 2 rewards points per $1 spent on qualifying net travel purchases.
- Earn 1 rewards point per $1 spent on all other qualifying purchases.
- Points earned with the Bilt Mastercard will count towards your Bilt Rewards status.
- Enjoy a 3-month free DoorDash membership and a $5 discount on every first order each month, plus $5 Lyft App credit every month after 3 rides.
Additional Info
- When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the credit bureaus each month, which can help build your credit history with each on-time rent payment.
- Cell Phone Protection - get up to $800 of protection (subject to $25 deductible) against covered damage or theft.
- World Elite Mastercard Concierge & more.
- More Details & Reviews About Bilt Credit Card

0% for 12 - 24 months
Not Offered
29.49% (V)
annual fee
$0
rewards rate
1 - 2 points / $1
Bonus Offer
10% Off Shopping Pass
Bonus Offer
10% Off Shopping Pass
Good Credit
Pros
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 10% Off Shopping Pass initial rewards bonus
Cons
- No balance transfers allowed
- High regular APR
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Open a Dillard’s Card Account and earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.
- Earn 2 Dillard's Reward Points per one dollar spent in net purchases at Dillard's, U.S. grocery stores and U.S. gas stations. Earn 1 Point per $1 spent in net purchases everywhere else.
- Reach 1,500 points and earn an All-Day 10% off rewards shopping pass or a $10 Rewards Certificate.
- Exclusive events and offers, plus special amenities and exciting benefits at amexconnect.com/dillards.
- Shop your way to Elite Status and maintain that status by spending $2,000 in net purchases or more each calendar year.
Additional Info
- Equal Monthly Payment Financing: 0% APR for 12 months on men's tailored clothing, home furnishings, luggage and furniture purchases of $200 or more.
- Equal Monthly Payment Financing: 0% APR for 24 months on furniture purchases of $2,500 or more.
- Get access to American Express CONNECT and you can take advantage of great benefits such as special access to travel and entertainment deals.
- More Details & Reviews About Dillard's Credit Card

Not Offered
Not Offered
20.74% - 29.99% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
60,000 points
Bonus Offer
60,000 points
Good Credit
Pros
- No membership fees
- High rewards rate
- 60,000 points initial rewards bonus
- No foreign fee
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Rewards Details
- For a limited time, earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months.
- Earn 5 points per $1 spent on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases.
- Earn 3 points per $1 spent on purchases made at gas stations, grocery stores, home improvement stores and phone plan services.
- Earn 1 point per $1 spent on all other eligible purchases.
- Automatic Gold Elite membership. Earn 10% bonus points every time you book a qualifying stay with Choice® hotels.
- Receive 10 Elite night credits qualifying for at least gold level status each calendar year.
Additional Info
- Get up to $800 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your Card (subject to a $25 deductible). Terms apply.
- Get access to additional security benefits, exclusive offers, concierge, travel & lifestyles services, and more.
- More Details & Reviews About Choice Credit Card

Not Offered
Not Offered
20.74% - 29.99% (V)
annual fee
None 1st year, $95 after
rewards rate
1 - 10 points / $1
Bonus Offer
90,000 points
Bonus Offer
90,000 points
Good Credit
Pros
- High rewards rate
- 90,000 points initial rewards bonus
- No membership fees first year
- No foreign fee
Cons
- Membership fees in the second year
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Rewards Details
- For a limited time, earn 90,000 bonus points when you spend $3,000 in purchases in the first 3 months.
- Earn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
- Earn 10 points per $1 spent on stays at participating Choice Hotels® properties plus on Choice Privileges point purchases.
- Earn 5 points per $1 spent on purchases made at gas stations, grocery stores, home improvement stores and phone plan services, and 1 point per $1 spent on all other eligible purchases.
- Automatic Platinum Elite membership. Earn 25% bonus points every time you book a qualifying stay with Choice® hotels.
- Receive 20 Elite night credits qualifying for at least gold level status each calendar year.
- Enroll in Global Entry or TSA PreCheck and receive a statement credit of up to $100 every four years as reimbursement for the application fee charged to your Card.
Additional Info
- Get up to $800 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your Card (subject to a $25 deductible). Terms apply.
- Get access to additional security benefits, exclusive offers, concierge, travel & lifestyles services, and more.
- More Details & Reviews About Choice Select Credit Card

Not Offered
Not Offered
12.99%
annual fee
$0
rewards rate
None
Fair Credit
Pros
- No membership fees
- Low regular APR
- Qualify with fair credit
Cons
- No rewards
Additional Info
- Select your healthcare need: Hearing care/hearing aids, Eye surgery, Dental care or Veterinary care.
- Quick in-office or online credit card application.
- Online account management and bill payment options.
- Special financing plans allowing your patients to pay over time.
- More Details & Reviews About Wells Fargo Health Advantage Credit Card

Not Offered
Not Offered
28.99%
annual fee
$0
rewards rate
None
Fair Credit
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Additional Info
- Revolving line of credit that you can use for future purchases and flexible financing terms. Contact your Bryant HVAC contractor to find out more.
- Convenient monthly payments to fit your budget.
- Special promotional offers where available.
- Easy-to-use online account management and bill payment options
- More Details & Reviews About Bryant Store Card

Not Offered
Not Offered
28.99%
annual fee
$0
rewards rate
None
Fair Credit
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Additional Info
- Special promotional offers where available.
- Revolving line of credit that you can use over and over again.
- Quick credit decision.
- Easy-to-use online account management and bill payment options.
- More Details & Reviews About American Gem Society Credit Card
Wells Fargo Credit Card Reviews
What's Your Rating?
Well Fargo Credit Card FAQ
Get answers to your questions about Wells Fargo Credit Card Reviews below. For more general questions, visit our Answers section.
- Most Popular
- Most Upvotes
How do you use Wells Fargo Rewards points?
You can use Wells Fargo rewards points for travel, cash back, gift cards, or merchandise. Wells Fargo rewards points are typically worth 1 cent each, depending on how they're used. Wells Fargo also requires rewards point redemption in increments of $20 or $25, depending on the redemption method.
Newly earned Wells Fargo rewards points are available to redeem the day after your billing cycle ends. Points don't expire as long as your account remains open, and you can save up as many as you want.
It is also worth mentioning that there are three ways to redeem Wells Fargo points: Online, by phone, or through a Wells Fargo ATM.
Here's how to redeem Wells Fargo rewards points:
- Online: To redeem online, log in to the Wells Fargo Rewards portal and click “Use.” Then, select the type of redemption you want. If you prefer to redeem
- Phone: To redeem by phone, call (877) 517-1358. These two methods require you to redeem points in $25 increments if you want gift cards or cash back. The cash back options are a check, a direct deposit, or a statement credit toward a Wells Fargo account balance. For travel and merchandise, you can redeem points up to your available rewards balance, regardless of the amount.
- ATM: To redeem points for cash back at Wells Fargo ATMs, enter your PIN, and choose the rewards option. Then, select an amount in multiples of $20 (2,000 points).
You can earn Wells Fargo rewards points – officially called “Wells Fargo Rewards” points – with two cards: The Wells Fargo Rewards® Card and the Wells Fargo Visa Signature® Card. Keep in mind that transactions such as cash advances and balance transfers do not earn rewards points – only purchases do.
You'll get the best value for your Wells Fargo rewards points if you spend them on travel, cash, statement credits, or gift cards. You may even be able to catch the occasional sale on gift cards and get them for fewer points than normal.
How do I cancel my Wells Fargo credit card?
You can only cancel your Wells Fargo credit card over the phone at (800) 642-4720. But if your card is lost or stolen, you should report it immediately, by calling the same phone number.
Before completely cancelling your card, though, make sure you're doing it for the right reasons. It might make sense for a card with an annual fee that you don't plan to use anymore, for instance. But if your Wells Fargo credit card isn't costing you any money, you're better off keeping it open. In general, the more available credit you have, the better it is for your credit score. An account with zero balance also helps your credit utilization. Plus, you'll still get credit for paying on time every month.
To cancel a Wells Fargo credit card:
- Pay any pending balance and redeem your rewards first.
You won't be able to close your account with an unpaid balance, and you'll lose any unredeemed rewards once your account is closed. - Call Wells Fargo credit card customer service at (800) 642-4720.
Enter your card number, press the pound key and tell the representative that you'd like to close your account. - Wells Fargo will close your account immediately.
They will mail a letter formally confirming the change within 10 business days of your call. - Check your free credit report.
At the very least, make sure to do so two months after receiving Wells Fargo's letter, to confirm the account is closed.
Keep in mind that the credit score implications are at least worth considering before you cancel any credit card account, especially if you plan to take out a big loan in the next six months or so. In any case, it's always good to have an escape plan, so all Wells Fargo cardholders should know how to cancel their accounts should the need arise.
Ultimately, after closing your Wells Fargo credit card, you may want to re-evaluate how much you spend on any other credit cards you may have. Closing a credit card means you have less available credit, and thus possibly higher credit utilization, which can be bad for your score. You can monitor your credit score with WalletHub's free daily updates to ensure that your credit isn't affected by closing your Wells Fargo account.
What's the Wells Fargo credit card interest rate?
The Wells Fargo credit card interest rate is typically within the range of 17.99% - 29.99% Variable, depending on which card you get and your creditworthiness. The Wells Fargo Reflect® Card is one of the best financing options as it offers an introductory purchase APR of 0% for 21 months from account opening on both purchases and balance transfers. After that, your remaining balance will accrue interest at a regular APR of 17.99% - 29.99% Variable, based on your creditworthiness. The card also has a balance transfer fee of 5% (min $5).
All Wells Fargo credit card interest rates are variable, meaning they change over time due to market rate fluctuations. Plus, most are expressed as a range. The better your credit is, the better your chances of getting a lower interest rate. Keep in mind that you'll need good credit to be approved for most Wells Fargo credit cards.
Here are the Wells Fargo credit card interest rates by card:
The Wells Fargo Reflect card's regular APR is 17.99% - 29.99% Variable. The card also has an intro APR of 0% for 21 months from account opening on both purchases and balance transfers. There's also a balance transfer fee: 5% (min $5).
The Wells Fargo Active Cash card's regular APR is 19.99% - 29.99% Variable. The card also has an intro APR of 0% for 15 months from account opening on both purchases and balance transfers. There's also a balance transfer fee: 3% intro for 120 days, then up to 5% (min $5).
The Wells Fargo Autograph Card's regular APR is 19.99% - 29.99% Variable. The card also has an intro APR of 0% for 12 months from account opening on purchases. The regular APR applies to balance transfers, too. There's also a balance transfer fee: 3% intro for 120 days, then up to 5% (min $5).
You always want to have the lowest interest rate possible, but that's also assuming you'll need to be paying interest. If you commit to paying off your card every month and not spending above your means, it won't matter what the interest rate is. And then, when you know you have a large purchase coming up that will take time to pay off, you can get a card with a 0% APR. Just make sure you pay off the balance before the 0% APR period ends.
How do I get the Wells Fargo $200 bonus?
To get the Wells Fargo $200 Cash Rewards bonus, you have to get approved for the Wells Fargo Active Cash® Card and spend $500 within the first 3 months from account opening. Keep in mind that Wells Fargo Active Cash requires at least good credit.
In addition to its $200 Cash Rewards bonus, Wells Fargo Active Cash features a $0 annual fee and offers 2% cash rewards. And your cash rewards don't expire as long as you keep your Wells Fargo Active Cash account open.
Key Things to Know About the Wells Fargo Initial Bonus
- The Wells Fargo credit card initial bonus is redeemable within 1 -2 billing cycles after it is earned.
- Certain transactions such as cash advances and equivalents, balance transfers, along with fees and interest of any kind do not go toward earning you the initial bonus.
- If you opened a Wells Fargo credit card 15 months from the date of your application and received introductory APR(s), fees, and/or bonus rewards, you may not be eligible for the initial bonus and/or introductory APR(s) and fees.
It's also worth noting that there is one more Wells Fargo credit card offering a good bonus, the Wells Fargo Autograph℠ Card. This card gives 20,000 points for spending $1,000 in the first 3 months. Plus, cardholders get good on purchases. There are also several more credit cards with a $200 bonus, from different issuers, like Chase Freedom Flex℠.
What's a Wells Fargo prepaid credit card?
There is no such thing as a Wells Fargo prepaid credit card. To be more precise, Wells Fargo issues either secured cards or prepaid debit cards – but no combination of the two. As a matter of fact, this is the case with all issuers. Right now, Wells Fargo doesn't issue any secured credit cards.
Wells Fargo might not offer prepaid credit cards, but this doesn't mean that you're out of options. There are several good secured credit cards (the official term used for prepaid credit cards) available on the market to choose from. Just remember that to get a secured card, you will need to put down a refundable security deposit. The security deposit is held by the issuer as collateral and also serves as your credit limit.
Some of the Best Secured Credit Cards:
Ultimately, you can check out our editors' latest picks for the best secured credit cards to weigh your options.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.