If you’ve written off Wells Fargo as a place to get a credit card, it might be time to take another look.
The bank has built up a pretty solid card lineup over the past few years, and there are a few in particular that stand out: A simple flat-rate cash back card, a travel rewards card with a long list of bonus categories, and a balance transfer card with one of the longest 0% intro periods around.
Here are the three best Wells Fargo cards available now — and what they’re best for.
1. Wells Fargo Active Cash® Card: Best for everyday cash back
If you want a cash rewards card you won’t have to think twice about using anywhere, the Wells Fargo Active Cash® Card (rates and fees) is the way to go. You’ll earn unlimited 2% cash rewards on purchases — no categories to track, no quarterly activations, no caps. Just a flat 2% cash rewards where you spend on purchases.
This is the card I’d recommend if you want strong rewards without any mental math. The 2% flat rate is pretty much the best you’ll find, and the welcome bonus on top of that makes things even better.
There’s also a $0 annual fee, so you’ll be in the black with the Wells Fargo Active Cash® Card from day one. It’s a card you can keep in your wallet pretty much forever.
Current welcome bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
2. Wells Fargo Autograph® Card: Best for everyday travel rewards
The Wells Fargo Autograph® Card (rates and fees) is a $0-annual-fee travel card with enough bonus categories to make it a viable go-to option. You’ll get:
- 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans
- 1X points on other purchases
That’s a lot of bonus categories — and if you’re like most people, they’re going to show up a lot in your monthly budget. Outside of those categories, you’ll earn 1X on everything else. For that reason, it actually makes for a great pairing with the Wells Fargo Active Cash® Card and its 2% cash rewards rate on purchases.
If you’re not ready to pay an annual fee for a top travel card but still want to rack up flexible rewards, the Wells Fargo Autograph® Card has you covered. Wells Fargo points transfer to a handful of airline partners, so there’s real upside for occasional travelers.
Current welcome bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
3. Wells Fargo Reflect® Card: Best for saving on balance transfers
The Wells Fargo Reflect® Card (rates and fees) is a different kind of credit card. It’s not built for earning rewards — it’s designed to help you pay off existing debt without piling up interest in the meantime. And it’s one of the best intro APR cards out there for a reason.
With the Wells Fargo Reflect® Card, you’ll get 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 17.49%, 23.99%, or 28.24% Variable APR applies after.
That’s more or less the longest runway you’ll find right now. If you’re carrying a balance — or have a big upcoming purchase — and want as much time as possible to pay it off, the Wells Fargo Reflect® Card deserves a look.
The card earns no rewards, so once the intro period ends, it doesn’t offer much. But that’s exactly what the Wells Fargo Active Cash® Card and Wells Fargo Autograph® Card are there for.
Which Wells Fargo card is right for you?
If you want the simplest possible rewards setup, the Wells Fargo Active Cash® Card and its 2% cash rewards on purchases is an easy choice. On the other hand, if you spend heavily on dining, travel, or gas, the Wells Fargo Autograph® Card can earn you solid travel rewards on the above.
Finally, if you’re dealing with debt and need time to pay it off interest-free, the Wells Fargo Reflect® Card is one of the better tools available. The good news is that none of these Wells Fargo cards are a bad choice — and in fact, they make for a pretty great team.