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Best Wells Fargo Credit Cards
WalletHub makes it easy to find the best Wells Fargo credit card.
Wells Fargo credit cards are available to consumers, students and small business owners with credit scores ranging from bad to excellent, though the best Wells Fargo cards require a credit score of at least 700 for approval. Most credit cards from Wells Fargo (a WalletHub partner) have $0 annual fees, and many give rewards, 0% intro APRs or both. … show more
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Wells Fargo Reflect℠ Card Wells Fargo Reflect℠ Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- 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. 13.74% to 25.74% 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).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Reflect℠ Card
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
- Earn a $200 cash rewards bonus after spending $1,000 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
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 15.74%, 20.74%, or 25.74% 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 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Active Cash® Card
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Active Cash® Card
Hotels.com® Rewards Visa® Credit Card Hotels.com® Rewards Visa® Credit Card
- Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 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.
- 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.
- No membership fees
- 2 Reward Nights bonus
- No foreign fee
- Reports to the three major credit bureaus
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
- Choose from over 500,000 properties in 200+ countries around the world.
- $0 Annual Fee.
- 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.
- See More Details & Reviews About TheHotels.com® Rewards Visa® Credit Card
Dillard's Store Card Dillard's Store Card

- 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.
- Reach 1,500 points and earn an All-Day 10% off rewards shopping pass.
- Exclusive events and offers.
- Shop your way to Elite Status and maintain that status by spending $2,000 in net purchases or more each calendar year.
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- 10% Off Shopping Pass initial rewards bonus
- High Regular APR
- 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.
- See More Details & Reviews About TheDillard's Store Card
Bryant Store Card Bryant Store Card

- No membership fees
- Qualify with fair credit
- No rewards
- No rewards bonus
- No intro APR on purchases
- High Regular APR
- 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.
- See More Details & Reviews About TheBryant Store Card
American Furniture Warehouse Credit Card American Furniture Warehouse Credit Card

- No membership fees
- Qualify with fair credit
- No rewards
- No rewards bonus
- No intro APR on purchases
- High Regular APR
American Gem Society Credit Card American Gem Society Credit Card

- No membership fees
- Qualify with fair credit
- No rewards
- No rewards bonus
- No intro APR on purchases
- High Regular APR
- 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.
- See More Details & Reviews About TheAmerican Gem Society Credit Card
Best Wells Fargo Credit Cards of 2022

Each Wells Fargo credit card has its merits. If you want a 0% intro APR, for example, the Reflect card is the way to go. It all depends on what you’re looking for. And for your convenience, we’ll recap the latest Wells Fargo credit card offers in the table below.
Best Wells Fargo Credit Cards Comparison
Credit Card | Category | Annual Fee | Editor’s Rating |
Wells Fargo Active Cash® Card | Overall | $0 | 4.7/5 |
Wells Fargo Reflect℠ Card | 0% Intro APR | $0 | 4.8/5 |
Hotels.com® Rewards Visa® Credit Card | Hotel Bookings | $0 | 4/5 |
Wells Fargo Business Platinum Credit Card | Business | $0 | 4.6/5 |
You can check your latest credit score for free on WalletHub to see if you’re likely to qualify for a Wells Fargo credit card.
Methodology for Selecting the Best Wells Fargo Credit Cards
WalletHub’s editors regularly compare all of the Wells Fargo credit card offers from our database of 1,500+ credit cards. This includes normal Wells Fargo-branded credit cards as well as credit cards issued by Wells Fargo but co-branded with another popular company. We then calculate how much the average cardholder is likely to save with each card over the first couple years of use. Expected savings in turn lead us to the best Wells Fargo credit cards for cash back, travel rewards, low interest and more
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Wells Fargo Credit Cards FAQ
Comparing wells fargo credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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- What types of applicants are credit cards that give bonus rewards on digital-wallet purchases, like Wells Fargo Cash Wise, likely to attract?
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Ph.D., Professor of Business Administration, Ben L. Fryrear Faculty Fellow and and Director, Katz Doctoral Program, University of Pittsburgh, Katz Graduate School of Business
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Ph.D., Associate Professor of Finance, Menlo College
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Associate Professor in the Department of Marketing & Logistics and Behavioral Lab Coordinator at Florida International University
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MBA, Assistant Professor of Business, Carson-Newman University
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Ph.D., Assistant Professor of Marketing, Elon University
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D.B.A., Assistant Professor of Marketing and Business Administration, Barton College, School of Business
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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