Best Wells Fargo Credit Cards of 2021

Best Wells Fargo Credit Cards of 2021

The new Wells Fargo Active Cash℠ Card is our top pick for best Wells Fargo credit card. It comes with a $0 annual fee, a welcome bonus, a simple rewards program and an excellent rewards earning rate.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner

Best Wells Fargo credit cards 2021

Cash back

Wells Fargo Active Cash℠ Card

Balance transfers

Wells Fargo Platinum card

Wells Fargo is one the biggest banks in the United States, though it has only a handful of credit cards. This popular bank's three personal credit cards and three business cards offer a range of perks and rewards. So, what's the best Wells Fargo credit card? That depends on your lifestyle, card preferences and money goals.

We've scoured Wells Fargo’s credit card offerings, read the fine print and picked the best Wells Fargo credit cards in four categories: cash back, balance transfer, hotel rewards and business credit cards.

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin, as well as cards on major issuer sites, to compile a list of the best Wells Fargo credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits (such as travel and purchase protections), lounge membership and airline companion passes.

Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

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Best Wells Fargo credit card for cash back

Wells Fargo Active Cash℠ Card

$0

14.99%-24.99% (Variable)

Excellent/Good

  • New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% 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
  • No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
  • 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

Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months

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Verdict: A great choice for busy people seeking a simple, no-frills cashback card

The Wells Fargo Active Cash℠ Card lets you Earn unlimited 2% cash rewards on purchases. The simple rewards rate makes it a snap to track your rewards earnings.

The Wells Fargo Active Cash℠ Card offers a good alternative to the Citi® Double Cash Card – 18 month BT offer. Both cards have one of the best flat cashback earnings rates on the market, but the Citi® Double Cash Card – 18 month BT offer doesn't give you your rewards all at once: You Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It also doesn't offer a sign-up bonus.

The Wells Fargo Active Cash℠ Card may work especially well for cardholders who don't spend a lot in common bonus categories, such as travel and restaurants. With its 0% intro APR for 15 months from account opening on purchases and 0% intro APR for 15 months on qualifying balance transfers (followed by a 14.99%-24.99% (Variable) APR), the card may offer a good financing option for consumers planning to make a big purchase or transfer a balance from another card.

  • A $0 annual fee
  • Solid welcome bonus
  • Competitive 2% rewards rate
  • 0% intro APR on both balance transfers and purchases
  • Cell phone protection that covers up to $600 for damage or theft
  • A 3% foreign transaction fee
  • No travel insurance or perks
  • No rental car coverage
  • No purchase protection
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Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003ENew! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn unlimited 2% cash rewards on purchases\\u003C\\\/li\\u003E\\u003Cli\\u003E0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.99% to 24.99% 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\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 annual fee\\u003C\\\/li\\u003E\\u003Cli\\u003ENo category restrictions or sign ups and cash rewards don\\u2019t expire as long as your account remains open\\u003C\\\/li\\u003E\\u003Cli\\u003EEnjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 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℠\\u00a0Card\\u003C\\\/li\\u003E\\u003Cli\\u003ESelect \\u201cApply Now\\u201d to learn more about the product features, terms and conditions\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Cash back\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4698.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/2193?url=_best-wells-fargo-credit-cards\",\"name\":\"Wells Fargo Active Cash\\u2120 Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EVerdict: A great choice for busy people seeking a simple, no-frills cashback card\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Wells Fargo Active Cash Credit Card Review: Is It Worth It?\" href=\"https:\/\/www.valuepenguin.com\/wells-fargo-active-cash-credit-card\"\u003EWells Fargo Active Cash℠ Card\u003C\/a\u003E\u003C\/span\u003E lets you Earn unlimited 2% cash rewards on purchases. The simple rewards rate makes it a snap to track your rewards earnings.\u003C\/p\u003E\n\n\u003Cp\u003EThe Wells Fargo Active Cash℠ Card offers a good alternative to the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi\u00ae Double Cash Card: Outstanding cashback rewards, few other benefits\" href=\"https:\/\/www.valuepenguin.com\/citi-double-cash-card\"\u003ECiti\u00ae Double Cash Card \u2013 18 month BT offer\u003C\/a\u003E\u003C\/span\u003E. Both cards have one of the best flat cashback earnings rates on the market, but the Citi\u00ae Double Cash Card \u2013 18 month BT offer doesn't give you your rewards all at once: You Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It also doesn't offer a sign-up bonus.\u003C\/p\u003E\n\n\u003Cp\u003EThe Wells Fargo Active Cash℠ Card may work especially well for cardholders who don't spend a lot in common bonus categories, such as travel and restaurants. With its 0% intro APR for 15 months from account opening on purchases and 0% intro APR for 15 months on qualifying balance transfers (followed by a 14.99%-24.99% (Variable) APR), the card may offer a good financing option for consumers planning to make a big purchase or transfer a balance from another card.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A $0 annual fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid welcome bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Competitive 2% rewards rate\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% intro APR on both balance transfers and purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cell phone protection that covers up to $600 for damage or theft\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n A 3% foreign transaction fee\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No travel insurance or perks\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No rental car coverage\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Credit Card Purchase Protection Explained\" href=\"https:\/\/www.valuepenguin.com\/credit-card-purchase-protection#:~:text=Purchase%20protection%20is%20a%20common,different%20policies%20for%20purchase%20protection.\"\u003Epurchase protection\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Wells Fargo credit card for balance transfers

Wells Fargo Platinum card

$0

16.49%-24.49% (Variable)

Excellent/Good

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% 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
  • 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 Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select "Apply Now" to learn more about the product features, terms and conditions

Get a 0% intro APR for 18 months on qualifying balance transfers and a 0% intro APR for 18 months from account opening on purchases (followed by an APR of 16.49%-24.49% (Variable)).

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Verdict: Stands out for its stellar 0% introductory APR

The Wells Fargo Platinum card gives you a 0% intro APR for 18 months on qualifying balance transfers and a 0% intro APR for 18 months from account opening on purchases (then an APR of 16.49%-24.49% (Variable) applies). This is one of the longest introductory periods of any balance transfer credit card on the market, all for a $0 annual fee. This gives you maximum time to pay off an old debt or a new big-ticket item, and ups your chances of avoiding interest. The Wells Fargo Platinum card is a top choice for consumers looking for a new card to use as a balance payoff or financing tool.

The biggest downside of the card, though, is that it gives you few benefits or perks beyond the zero-interest offer. For example, the Wells Fargo Platinum card offers no rewards, no travel perks and no travel insurance.

This card won't be a fit for frequent travelers or rewards fans who need a welcome bonus and are focused on racking up points and miles. Instead, those consumers may find one of our best travel credit card picks a better match. For example, it's hard to go wrong with a top general travel credit card like the Chase Sapphire Preferred® Card.

  • 0% intro APR for 18 months on qualifying balance transfers (followed by an APR of 16.49%-24.49% (Variable))
  • 0% intro APR for 18 months from account opening on purchases (followed by an APR of 16.49%-24.49% (Variable))
  • Cell phone insurance up to $600 per claim
  • Free access to your FICO Score
  • No welcome bonus
  • No rewards program
  • No travel perks
  • No travel insurance
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class=\"BenefitsBox--field-content-value\"\u003E$0\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E16.49%-24.49% (Variable)\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's 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aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003E0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% 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\u003C\/li\u003E\u003Cli\u003E$0 Annual Fee\u003C\/li\u003E\u003Cli\u003EGet 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 Platinum card\u003C\/li\u003E\u003Cli\u003EEasy access to your FICO\u00ae Credit Score with Wells Fargo Online\u00ae\u003C\/li\u003E\u003Cli\u003EMonitor your spending, purchases and any suspicious activity with text and email alerts and notifications\u003C\/li\u003E\u003Cli\u003EConvenient tools to help create a budget and manage your spending with My Money Map\u003C\/li\u003E\u003Cli\u003ESelect \"Apply Now\" to learn more about the product features, terms and conditions\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$0\",\"apr\":\"16.49%-24.49% (Variable)\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/click.linksynergy.com\\\/fs-bin\\\/click?id=TO1vQFPQ*08&offerid=696046.284&type=3&subid=0\\\" rel=\\\"nofollow\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E\",\"On Wells Fargo's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are 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Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003E0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% 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\\u003C\\\/li\\u003E\\u003Cli\\u003E$0 Annual Fee\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 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 Platinum card\\u003C\\\/li\\u003E\\u003Cli\\u003EEasy access to your FICO\\u00ae Credit Score with Wells Fargo Online\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003EMonitor your spending, purchases and any suspicious activity with text and email alerts and notifications\\u003C\\\/li\\u003E\\u003Cli\\u003EConvenient tools to help create a budget and manage your spending with My Money Map\\u003C\\\/li\\u003E\\u003Cli\\u003ESelect \\\"Apply Now\\\" to learn more about the product features, terms and conditions\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":80,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Balance transfers\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4304.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/995?url=_best-wells-fargo-credit-cards\",\"name\":\"Wells Fargo Platinum card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EGet a 0% intro APR for 18 months on qualifying balance transfers and a 0% intro APR for 18 months from account opening on purchases (followed by an APR of 16.49%-24.49% (Variable)).\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EGet a 0% intro APR for 18 months on qualifying balance transfers and a 0% intro APR for 18 months from account opening on purchases (followed by an APR of 16.49%-24.49% (Variable)).\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EVerdict: Stands out for its stellar 0% introductory APR\u003C\/h3\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Wells Fargo Platinum Card Review: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/wells-fargo-platinum-visa-credit-card\"\u003EWells Fargo Platinum card\u003C\/a\u003E\u003C\/span\u003E gives you a 0% intro APR for 18 months on qualifying balance transfers and a 0% intro APR for 18 months from account opening on purchases (then an APR of 16.49%-24.49% (Variable) applies). This is one of the longest introductory periods of any \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Best Balance Transfer Credit Cards of 2021\" href=\"https:\/\/www.valuepenguin.com\/best-balance-transfer-credit-cards\"\u003Ebalance transfer credit card\u003C\/a\u003E\u003C\/span\u003E on the market, all for a $0 annual fee. This gives you maximum time to pay off an old debt or a new big-ticket item, and ups your chances of avoiding interest. The Wells Fargo Platinum card is a top choice for consumers looking for a new card to use as a balance payoff or financing tool.\u003C\/p\u003E\n\n\u003Cp\u003EThe biggest downside of the card, though, is that it gives you few benefits or perks beyond the zero-interest offer. For example, the Wells Fargo Platinum card offers no rewards, no travel perks and no travel insurance.\u003C\/p\u003E\n\n\u003Cp\u003EThis card won't be a fit for frequent travelers or rewards fans who need a welcome bonus and are focused on racking up points and miles. Instead, those consumers may find one of our \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"10 Best Travel Credit Cards of August 2021\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-travel-credit-cards\"\u003Ebest travel credit card\u003C\/a\u003E\u003C\/span\u003E picks a better match. For example, it's hard to go wrong with a top general travel credit card like the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Preferred\u00ae Card Review: Does It Live Up to The Hype?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-preferred\"\u003EChase Sapphire Preferred\u00ae Card\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% intro APR for 18 months on qualifying balance transfers (followed by an APR of 16.49%-24.49% (Variable))\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n 0% intro APR for 18 months from account opening on purchases (followed by an APR of 16.49%-24.49% (Variable))\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cell phone insurance up to $600 per claim\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Free access to your FICO Score\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No welcome bonus\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No rewards program\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No travel perks\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No travel insurance\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Wells Fargo credit card for hotels

Hotels.com® Rewards Visa® Credit Card

Two reward nights worth $250 total when you spend $1,000 on purchases in the first three months after opening the account

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Verdict: A great card those who frequently book with Hotels.com

The Hotels.com® Rewards Visa® Credit Card is a match for budget savvy travelers, as well as new travelers and those who aren't loyal to any hotel brand.

The Hotels.com® Rewards Visa® Credit Card offers the flexibility to earn rewards for everyday spending and then cash them in at one of over 500,000 properties in more than 200 countries through Hotels.com.

Still, the card may not be the right choice for frequent travelers or those who prefer to book directly with hotels. While platforms like Hotels.com can be convenient and allow for quick and easy comparison of lodging options, experienced travelers know there are benefits to cutting out the middleman when you book a hotel stay.

  • Solid rewards earning rate of 2.2 cents per $1
  • Hotels.com Silver status for one year with perks like free breakfast and Wi-Fi
  • Ability to redeem rewards at thousands of hotels
  • Cell phone insurance up to $600 per claim
  • Trip cancellation and interruption insurance
  • No foreign transaction fees
  • You must book through Hotels.com to redeem rewards
  • Low welcome bonus compared to other hotel cards
  • Rewards system may be confusing to cardholders new to Hotels.com
  • Skimpy travel insurance compared to other travel cards
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While platforms like Hotels.com can be convenient and allow for quick and easy comparison of lodging options, experienced travelers know there are benefits to cutting out the middleman when you book a hotel stay.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EBenefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Solid rewards earning rate of 2.2 cents per $1\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Hotels.com Silver status for one year with perks like free breakfast and Wi-Fi\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Ability to redeem rewards at thousands of hotels\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cell phone insurance up to $600 per claim\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Trip cancellation and interruption insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n No foreign transaction fees\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EDrawbacks\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You must book through Hotels.com to redeem rewards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Low welcome bonus compared to other hotel cards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Rewards system may be confusing to cardholders new to Hotels.com\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Skimpy travel insurance compared to other travel cards\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best Wells Fargo business credit card

Wells Fargo Business Platinum Credit Card

Earn a one-time bonus of $300 cash back or 30,000 points after spending $3,000 within three months of opening your account

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Verdict: A a solid option for small business owners

The Wells Fargo Business Platinum Credit Card is a solid $0 annual fee business rewards card with plenty of flexibility. One unique feature: The card allows you to choose a rewards program based on whether you prefer to get cash back or points. With an intro 0% APR for 9 months on balance transfers and intro 0% APR for 9 months on purchases (followed by a Variable APR of Prime + 7.99% to Prime + 17.99%), the card may also be a good option for business owners who want to finance a big purchase.

The downside of this flexibility? Comparing the two rewards program options and earning potential may be confusing, especially for business owners with inconsistent expenses. For example, you earn a low 1 point per dollar spent with the points program, but you get a 1,000-point bonus each month you spend at least $1,000 on the card.

The card is designed for businesses with annual sales up to $2 million, and allows you to add up to 99 employee cards for free. As such, the Wells Fargo Business Platinum Credit Card may not be a fit for larger or rapidly growing businesses with more than 100 employees.

  • Annual fee of $0
  • Choose between cash back or points
  • Intro 0% APR for 9 months on balance transfers and 0% APR for 9 months on purchases (followed by a Variable APR of Prime + 7.99% to Prime + 17.99%)
  • Lackluster welcome bonus for a business card
  • Unimpressive rewards earning rate in points program
  • No travel perks or insurance coverage
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Compare Wells Fargo credit cards

Sign-up bonus
Other benefits
Annual fee
Cash back: Wells Fargo Active Cash℠ Card
Wells Fargo Active Cash℠ Card
Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 monthsEarn unlimited 2% cash rewards on purchases$0
Apply Now
Balance transfer: Wells Fargo Platinum card
Wells Fargo Platinum card
N/A0% intro APR for 18 months on qualifying balance transfers and 0% intro APR for 18 months from account opening on purchases (followed by an APR of 16.49%-24.49% (Variable))$0
Apply Now
Hotels: Hotels.com Rewards VisaTwo reward nights worth $250 total when you spend $1,000 on purchases in the first three months after opening the account1 stamp per each $500 spent on the card*$0Not available on ValuePenguin
Show All Rows

Wells Fargo credit card benefits

Wells Fargo credit cards come with an array of benefits, from rewards to zero APR introductory offers to cell phone insurance. The perks vary widely from card to card, but here are some common benefits of top Wells Fargo credit cards.

Wells Fargo offers rewards on most credit cards. You can earn rewards — either cash or points — on all Wells Fargo business credit cards and all Wells Fargo personal credit cards except for the Wells Fargo Platinum card.

Wells Fargo rewards cards include the:

  • Wells Fargo Active Cash℠ Card
  • Hotels.com® Rewards Visa® Credit Card
  • Wells Fargo Business Platinum Credit Card
  • Wells Fargo Business Secured Credit Card
  • Wells Fargo Business Elite Card®

Wells Fargo has attractive balance transfer deals on two personal credit cards:

  • The Wells Fargo Active Cash℠ Card offers a 0% intro APR for 15 months on qualifying balance transfers (followed by an APR of 14.99%-24.99% (Variable))
  • The Wells Fargo Platinum card offers a 0% intro APR for 18 months on qualifying balance transfers (followed by an APR of 16.49%-24.49% (Variable))

Some Wells Fargo cards also offer 0% APR on new purchases. This can be a great option if you need to finance a big purchase for your home or business and you want to pay it off over time without getting hit with interest:

  • The Wells Fargo Active Cash℠ Card offers a 0% intro APR for 15 months on qualifying balance transfers (followed by a 14.99%-24.99% (Variable) APR)
  • The Wells Fargo Platinum card gives you a longer 0% intro APR for 18 months from account opening on purchases (followed by an APR of 16.49%-24.49% (Variable))
  • The Wells Fargo Business Platinum Credit Card has an intro 0% APR for 9 months on balance transfers and 0% APR for 9 months on purchases (followed by a Variable APR of Prime + 7.99% to Prime + 17.99%), a good opportunity for a small business to transfer high-interest debt or finance computer equipment, office furniture or another big item.

Foreign transaction fees can tack an unnecessary 1% to 3% onto the cost of an international trip when you use a credit card abroad. The Hotels.com® Rewards Visa® Credit Card doesn't charge a foreign transaction fee, and neither do any Wells Fargo business credit cards.

All Wells Fargo personal credit cards offer cell phone insurance when you pay your bill with your card: the Wells Fargo Active Cash℠ Card, the Wells Fargo Platinum card and the Hotels.com® Rewards Visa® Credit Card. The coverage offers up to $600 per claim to replace or repair a damaged or stolen phone, but doesn't include lost phones. The coverage can kick in only if your loss isn't covered by other insurance, such as home, auto or renter's coverage. You can make up to two claims in a year, and there's a $25 deductible.

Most Wells Fargo credit cards lack robust travel insurance coverage, but a few cards offer travelers some protection. For example, the Hotels.com® Rewards Visa® Credit Card offers trip cancellation and interruption coverage when you book with the card. Plus, the Wells Fargo Business Elite Card® offers travel accident insurance, trip cancellation and interruption coverage up to $2,500 per ticket, trip delay coverage up to $300 and lost luggage coverage up to $3,000 per trip. This card has an annual fee of $0 first year, and then $125, and offers by far the most comprehensive travel coverage on any Wells Fargo card.

Should you get a Wells Fargo credit card?

A Wells Fargo credit card may be a good choice for you if you're a budget-oriented consumer looking for a no-annual-fee card with decent benefits, and you don't want or need a slew of perks and features.

That's because most Wells Fargo cards don't charge an annual fee, but the flip side of that affordability is that they may not offer as many benefits as other cards on the market, especially travel and insurance benefits.

A Wells Fargo credit card may also be a good option for a small business owner looking for a $0 annual fee business credit card that offers rewards and flexibility with a few perks too, or a business owner who needs to build credit. Wells Fargo's well-rounded slate of business card offerings cover a range of scenarios, from new to established businesses.

Not sure a Wells Fargo credit card is right for you? Check out our picks for the best cash back credit cards of 2021. The Citi® Double Cash Card – 18 month BT offer and the Chase Freedom Unlimited® card offer two good alternatives to the Wells Fargo Active Cash℠ Card. And if you prefer a good general purpose travel credit card, the Chase Sapphire Preferred® Card card may be a fit for you.

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How to get a Wells Fargo credit card

If you've got your eye on a Wells Fargo credit card, it's a good idea to do a little legwork ahead of time to increase your chances of getting approved. Here's how to get a Wells Fargo credit card step by step:

  • Check your credit and card use. Take a look at your credit history and credit score. Having a score of at least 700 may improve your odds of getting approved. You may also want to check your credit utilization ratio — that is, see how much of your available credit you're using across all of your current cards. Some creditors are leery of extending credit to cardholders with high balances.
  • See if you're prequalified for a Wells Fargo card. A "pre-selected offer" means that Wells Fargo has identified you as a good fit for a card. Look for offers in the mail or simply click "Check for pre-selected offers" on the Wells Fargo credit card page. If you have an offer, click "Respond to an offer" and enter the reservation number on your offer.
  • Choose your best Wells Fargo credit card. Do you want a Wells Fargo cashback credit card? A balance transfer card? A small business credit card? Review our picks for the best Wells Fargo credit card and choose the one that's right for you.
  • Apply for a Wells Fargo card online. If you don't have an offer, you can still go ahead and apply. Just visit the Wells Fargo credit card page, pick the card you want and click the red "Apply now" button. You'll need to enter your name, address, date of birth, Social Security number, country of citizenship and mother's maiden name. You'll also need to fill in information about your housing and your job.

Once you click "Submit," you might get approved right away. If that doesn't happen, don't worry: In that case, you'll get an application ID number and a phone number you can call to check your status. Follow up in a few days or wait five to seven business days to get a credit decision — or, in a best-case scenario, your new card — in the mail.

What credit score do you need for a Wells Fargo Credit Card?

You’ll generally need a credit score of 700 or higher to qualify for a Wells Fargo card.

Who can get approved for a Wells Fargo credit card?

To get approved for a Wells Fargo credit card, you’ll probably need good to excellent credit. That generally means you pay your bills on time, you haven't racked up a lot of debt on other credit cards and you have a good credit score.

You should also know that there may be caveats in the fine print for qualifying for some of the Wells Fargo welcome bonuses and zero interest deals. For example, you may not be eligible for a Wells Fargo card's welcome bonus if you opened the same card within the last 15 months and got an introductory bonus offer — even if you paid off and closed that account.

How to check your Wells Fargo application status

When you apply for a Wells Fargo credit card, you may get instant approval. If that doesn't happen, you'll receive an application ID number and a phone number you can call to check on the status of your application. You can call the phone number provided or wait five to seven business days to get a written credit decision in the mail.

Wells Fargo credit card FAQs

Does Wells Fargo have a secured credit card?

Wells Fargo does not offer a personal secured credit card, but they do offer a small business secured credit card. The Wells Fargo Business Secured Credit Card offers a credit line between $500 and $25,000 depending on the amount of your security deposit.

Which Wells Fargo credit card is the best?

The best Wells Fargo credit card will vary by individual based on your credit history, spending habits and goals — for example, whether you want a cashback card or a travel rewards card. Our pick for the best Wells Fargo card overall is the new Wells Fargo Active Cash℠ Card: We like its high cashback rate, its simplicity and the fact that it offers a welcome bonus and a zero APR introductory offer.

Can I apply for a Wells Fargo credit card online?

It's easy to apply for a Wells Fargo credit card online. Just visit the Wells Fargo credit cards page, find the credit card you want and click the red "Apply now" button. Then fill out the Wells Fargo online application with your name, address and financial information. You'll need to e-sign the form, agree to the terms and conditions and click the "Submit" button.

How do you pay your Wells Fargo credit card?

You can pay your Wells Fargo credit card bill by mail, by phone or online. If you prefer to pay online, you can log in to your Wells Fargo account and make a one-time bank transfer or set up automatic payments to make sure your bill gets paid by the due date every month.

How do you activate a Wells Fargo credit card?

Wells Fargo will give you instructions on how to activate your new credit card. You should be able to activate your credit card by calling Wells Fargo customer service, creating an account or logging into an existing account online or using the Wells Fargo mobile app.

How do you increase your credit limit on a Wells Fargo credit card?

You can request a credit limit increase by calling Wells Fargo at 800-642-4720. Wells Fargo doesn't offer a way to ask for a credit line increase online.

Does my Wells Fargo credit card cover rental car insurance?

Wells Fargo personal credit cards typically don't include rental car coverage. However, the Wells Fargo Business Elite Card® covers auto rental collision and theft insurance when you pay with your card.

How long does a Wells Fargo credit card application take?

It takes just a few minutes to fill out a Wells Fargo online credit card application. If you don't get approved instantly, you will get an application ID and a phone number to call to check your application status. You will get your credit card or credit decision within five to seven business days.

Does Wells Fargo charge international fees?

Wells Fargo personal credit cards, except for the Hotels.com® Rewards Visa® Credit Card, charge a foreign transaction fee. However, Wells Fargo business credit cards generally don’t charge international fees.

Is it easy to get a Wells Fargo credit card?

It's easy to apply for a Wells Fargo credit card, but it may not be quite as easy to get one. You’ll typically need good to excellent credit to get approved for a Wells Fargo credit card like the Wells Fargo Platinum card — that means you should ideally have a FICO Score of about 700 or higher.

Does Wells Fargo offer preapproval for credit cards?

Wells Fargo allows you to check for pre-selected offers online. Go to the Wells Fargo credit cards page, click "Check for pre-selected offers" and enter your name, address and the last four digits of your Social Security number. A pre-selected offer doesn't mean you're guaranteed to get approved, but it's an encouraging sign.

How do you cancel a Wells Fargo credit card?

You can cancel your Wells Fargo credit card by calling the Wells Fargo customer service phone number listed on the back of your card. Wells Fargo doesn't offer any way to close a credit card account online, so your only option is to speak with a customer service representative.

The information related to Hotels.com® Rewards Visa® Credit Card Wells Fargo Business Platinum Credit Card, Wells Fargo Business Secured Credit Card and Wells Fargo Business Elite Card® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).