Best Wells Fargo Credit Cards: Which One Should You Get?

Wells Fargo credit cards can build credit and earn rewards.

Wells Fargo is one of the largest banks in the world, with thousands of locations in 42 countries. The financial services company offers banking, investment, mortgage and both consumer and commercial finance products and services. Among the consumer products offered by Wells Fargo is a suite of credit cards, created to fit various personal needs. If you’re considering opening a new credit card, keep reading this Wells Fargo credit card review to find out which is the best credit card for you.

The Best Wells Fargo Credit Cards

Wells Fargo offers seven different credit cards:

  • Wells Fargo Propel American Express Card: Earn three times the rewards points on select purchases such as dining, gas and flights
  • Wells Fargo Cash Wise Visa Card: Unlimited 1.5 percent cash rewards on purchases
  • Wells Fargo Visa Signature Card: Earn five times the rewards points on gas, grocery and drugstore purchases for the first six months
  • Wells Fargo Rewards Card: Earn five times the rewards points on gas, grocery and drugstore purchases for the first six months with a low intro APR
  • Wells Fargo Platinum Card: Lowest intro APR for 18 months on purchases and balance transfers
  • Wells Fargo Cash Back College Card: Build credit history while you’re in college — plus, earn cash back on purchases
  • Wells Fargo Secured Credit Card: Establish credit history with a low security deposit

Find Out: How Much Is Wells Fargo Worth?

The best card for you will depend on your credit history and what benefits are important to you in a credit card. Here’s a comparison of the three best credit cards Wells Fargo offers in the categories of cash back, rewards and building credit:

Best Wells Fargo Credit Cards
CardCategoryAnnual FeeAPR
Wells Fargo Cash Wise Visa CardCash back$0
0% intro APR for 12 months; after that 15.74% to 26.74%
Wells Fargo Propel American Express CardRewards$00% intro APR for 12 months; after that 14.24% to 26.74%
Wells Fargo Platinum CardBuilding credit$0
0% intro APR for 18 months; after that 17.24% to 26.74%
Rates are accurate as of Aug. 13, 2018

Best Wells Fargo Credit Card for Cash Back: Wells Fargo Cash Wise Visa Card

The Wells Fargo Cash Wise Visa Card is a good choice for those who want to earn cash back on their purchases, with unlimited 1.5 percent cash back. Take a closer look at the pros and cons of this card to determine if it’s the right one for you.

Fees

There is no annual fee with the Wells Fargo Cash Wise Visa Card. For balance transfers, there is an introductory fee of either $5 or 3 percent of the amount of each balance transfer, whichever is greater, for the first 120 days. After that, the fee is up to 5 percent for each balance transfer, with a minimum of $5. The foreign transaction fee is 3 percent of each transaction.

Interest Rates

There is a 0% APR for the first 12 months on purchases and balance transfers; after that, the APR ranges from 15.74 percent to 26.74 percent, depending on your creditworthiness. The APR for cash advances is 25.74 percent to 27.74 percent, based on your creditworthiness.

Learn More: Best 0% APR Credit Cards

Special Perks

The Wells Fargo Cash Wise Visa Card comes with a number of perks:

  • 0% intro APR on purchases and balance transfers for 12 months
  • No category restrictions or quarterly activations required to earn unlimited 1.5 percent cash rewards
  • Cash rewards do not expire
  • Account protections such as 24/7 fraud monitoring, rapid alerts and zero liability protection

Best Wells Fargo Credit Card for Rewards: Wells Fargo Propel American Express Card

Earn triple rewards points on restaurant and food delivery purchases; gas, rideshares and transit purchases; flights, hotels, homestays and car rental purchases; and popular streaming services, plus one point on every dollar spent on purchases outside of those categories with the Wells Fargo Propel American Express Card. You’ll also get 30,000 bonus points — a $300 redemption value — when you spend $3,000 in the first three months of opening your card. Here’s a closer look at the fees, interest rates and perks associated with the Wells Fargo Propel American Express Card.

Fees

There is no annual fee or foreign transaction fee with the Wells Fargo Propel American Express Card. For balance transfers, there is an introductory fee of either $5 or 3 percent of the amount of each balance transfer, whichever is greater, for the first 120 days. After that, the fee goes up to 5 percent for each balance transfer, with a minimum of $5.

Interest Rates

There is a 0% APR for the first 12 months on purchases and balance transfers; after that, the APR ranges from 14.24 percent to 26.74 percent, depending on your creditworthiness. The APR for cash advances is 25.74 percent to 27.74 percent, based on your creditworthiness.

Special Perks

Many of your lifestyle and entertainment purchases earn triple points with the Wells Fargo Propel American Express Card. Other perks include:

  • Unlimited points that don’t expire
  • Redeem points for travel, cash back, gift cards and more through Go Far Rewards
  • No blackout dates on air travel when redeemed through Go Far Rewards — and you can pay for flights with a combination of points and card
  • 0% introductory APR on purchases and balance transfers for 12 months
  • No foreign transaction fee
  • Up to $600 in cell phone protection when you pay your cell phone bill with your Wells Fargo card

Best Wells Fargo Credit Card to Build Credit: Wells Fargo Platinum Card

With the Wells Fargo Platinum Card, you’ll pay a 0% APR on all purchases and balance transfers for the first 18 months. This card is useful for people who want to take control of their finances by paying down balances. It’s also a good card for people who want extra time to pay for a large purchase without having to pay interest.

More Options: The Best Low-Interest Credit Cards

Fees

There is no annual fee with the Wells Fargo Platinum Card. For balance transfers, there is an introductory fee of either $5 or 3 percent of the amount of each balance transfer, whichever is greater, for the first 12 months. After that, the fee is up to 5 percent for each balance transfer, with a minimum of $5. The foreign transaction fee is 3 percent of each transaction.

Interest Rates

There is a 0% APR for the first 18 months on purchases and balance transfers; after that, the APR ranges from 17.24 percent to 26.74 percent, depending on your creditworthiness. The APR for cash advances is 25.74 percent to 27.74 percent, based on your creditworthiness.

Special Perks

Although this card doesn’t offer rewards or cash back, it’s a good fit for someone who needs extra time to pay off purchases or balances. Other perks include:

  • Account protection features like zero liability protection
  • My Money Map tools to help you budget
  • Free access to your FICO credit score

Related: Do Balance Transfers Affect My Credit Score?

Choosing the Right Wells Fargo Credit Card for You

The best Wells Fargo credit card really depends on personal needs. Be sure to pay close attention to fees and interest rates when deciding which suits you. If you don’t have existing balances you plan to transfer and/or will be able to pay for your bill in full each month, consider the perks of each card to determine which will give you the most advantages for your lifestyle.

Click through to learn what type of credit card you should get.

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This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by Wells Fargo.