Advertiser Disclosure: ValuePenguin is an advertising-supported comparison service which receives compensation from some of the financial providers whose offers appear on our site. This compensation from our advertising partners may impact how and where products appear on our site (including for example, the order in which they appear). To provide more complete comparisons, the site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

Best Wells Fargo Credit Cards of 2019

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.

Of the major consumer banks, Wells Fargo is one of the least established in the rewards credit card world. With the revamped Wells Fargo Propel American Express® Card, however, the bank is quickly becoming one of our favorite issuers. Below, we've highlighted the best offers from Wells Fargo.

Recommended Cards

Best ForCredit NeededAnnual Fee
Wells Fargo Propel American Express® Card
Wells Fargo Propel American Express® CardMost peopleGood/Excellent$0
Wells Fargo Cash Wise Visa® Card
Wells Fargo Cash Wise Visa® CardFlat rate cash backGood/Excellent$0
Wells Fargo Platinum Visa card
Wells Fargo Platinum Visa cardBalance transfersGood/Excellent$0

Continue reading below for a detailed look at the benefits and features of each card. You can also head to our credit card comparison tool at the bottom of the page to see which recommended card works best for your budget.

Best Wells Fargo Credit Card for Most People

The Wells Fargo Propel American Express® Card is one of our favorite rewards credit cards. For a $0 annual fee, you'll earn 3 Go Far Rewards points per dollar on a host of popular spending categories, like restaurants and gas stations. You'll also earn 1 point per dollar on everything else.

Comprehensive Reward Categories

With the Wells Fargo Propel American Express® Card, you'll earn 3 points per dollar on all of the following bonus categories: flights, hotels, car rentals, restaurants, rideshares, transit, gas stations and certain streaming services. If you have even moderate expenses in these areas, the Wells Fargo Propel American Express® Card will offer an excellent rewards rate for no annual fee. Other comparable cards charge upward of $100 per year for rewards like this.

Excellent Welcome Bonus

The Wells Fargo Propel American Express® Card also offers an extremely competitive welcome bonus for a no-fee card: 30,000 bonus points after spending $3,000 in the first three months of account opening. At a value of $300, this is the best welcome bonus available on a card without an annual fee.

Best Flat-Rate Cash Back Credit Card from Wells Fargo

On Wells Fargo's Secure Website

Wells Fargo Cash Wise Visa® Card

On Wells Fargo's Secure Website
Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • 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 Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • 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 Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Annual Fee
$0
Regular APR
16.24%-28.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"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."}

Out of Wells Fargo's limited consumer credit card options, the Wells Fargo Cash Wise Visa® Card is the best credit card for people with varied expenses. The card offers 1.5% back on everything with no annual fee. This isn't the highest rewards rate available on a flat-rate cash back card (see below), but it's competitive with offers like the Chase Freedom Unlimited®. You'll also get a decent welcome bonus of $200 after spending $1,000 in the first three months of account opening.

Best for People with Varied Expenses

If you have moderate travel or dining expenses, the Wells Fargo Propel American Express® Card is the best Wells Fargo credit card for you. However, flat rate cash back cards like Wells Fargo Cash Wise Visa® Card are great for people who don't spend in those bonus categories or who have unpredictable expenses. You'll earn 1.5% back on everything, and you won't have to track rotating bonus categories like with the Discover it® Cash Back or Chase Freedom®.

0% Intro Apr and Balance Transfer for 12 Months

Another perk of the Wells Fargo Cash Wise Visa® Card is its 0% introductory rate on both the purchase APR and balance transfers. This is a great benefit for people who want to transfer a balance from another card—or make a bigger purchase and wait to pay it off—and also get a card with decent rewards.

Best Flat-Rate Cash Back Card from a Different Bank

On Citi's Secure Website

Citi® Double Cash Card

On Citi's Secure Website
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Annual Fee
$0*
Regular APR
15.74% - 25.74%* (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}

The Citi® Double Cash Card is one of our favorite cash back credit card for its 2% rewards rate on all purchases: 1% when you make a purchase and 1% when you pay your bill. Very few no-fee cash back cards offer a rewards rate higher than 1.5%, so this is an excellent deal.

2% on Everything

Like the Wells Fargo Cash Wise Visa® Card, the Citi® Double Cash Card is best for people with varied expenses. Unlike with some other cash back cards, you won't have to activate rotating bonus categories to get a solid rewards rate on your purchases. As long as you pay your bill, you'll get 2% on all purchases: 1% when you buy, and 1% when you pay.

No Welcome Bonus

The only notable downside to the Citi® Double Cash Card is that it doesn't come with a welcome bonus. For comparison, the Wells Fargo Cash Wise Visa® Card comes with a $200 bonus for spending $1,000 with the first three months of account opening. However, the Citi® Double Cash Card has better long-term value than the Wells Fargo Cash Wise Visa® Card and will be more rewarding once you've spent $40,000 with the card.

Best Balance Transfer and Low Intro APR Card from Wells Fargo

On Wells Fargo's Secure Website

Wells Fargo Platinum Visa card

On Wells Fargo's Secure Website
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and 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 Visa card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and 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 Visa card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Annual Fee
$0
Regular APR
17.74%-27.24% (Variable)
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"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."}

The Wells Fargo Platinum Visa card is one of the best balance transfer and low APR cards available. It comes with an 18 month introductory period on both the 0% APR and the 0% balance transfer offer. If you open the card to make a big purchase or transfer debt from an existing card, be mindful of paying down the balance before the introductory period expires. Otherwise, you'll be stuck paying high interest rates on the balance after the 0% offer ends.

Limited Perks

The only reason to open the Wells Fargo Platinum Visa card is for the 0% balance transfer and APR offer. The card offers little else in the way of perks and benefits, and you won't get any rewards on your spending. If you're looking for an 18-month 0% offer that also has rewards, then the Discover it® Balance Transfer, below, is a better option.

Best Balance Transfer Card from a Different Bank

On Discover's Secure Website

Discover it® Balance Transfer

On Discover's Secure Website
INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Annual Fee
$0
Regular APR
14.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent, Good
Editor's Rating
{"onCurrent":true,"message":"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."}

The Discover it® Balance Transfer is a top balance transfer option because it offers spending rewards on top of the low interest introductory period. With the card, you'll get 18 months of 0% interest on all balance transfers (then a 14.24% - 25.24% Variable APR applies), plus 5% cash back on rotating categories. It's the best of both worlds.

Keep This One in Your Wallet

The Discover it® Balance Transfer is a balance transfer card that holds value long after the introductory 0% period expires. Like the standard Discover it® Cash Back, the Discover it® Balance Transfer earns 5% cash back on categories that rotate each quarter up to a quarterly maximum each time you activate. In the past, these have included Amazon.com, groceries, gas stations, restaurants and others. For 2019, the categories include grocery stores (January-March), gas stations, Uber & Lyft (April-June), restaurants (July-September), Amazon.com (October-December).

Compare Wells Fargo Credit Cards

You can use our card comparison tool to evaluate how each card works for your budget and spending habits. Browse the options below and click on the gear icon to adjust the spending inputs for each category.

Image
Assumptions based on $1,430 monthly spend
Monthly spending:
$
$
$
$
$
$
$
$
{"cardCategory":"rewards","cardIds":"1093,1086,1090,251,279","initialResultsLimit":14,"endpoint":"https:\/\/creditcards.valuepenguin.com\/api\/creditcards\/models\/rewards","onCurrent":"true"}
Yowana Wamala

Yowana is a product analyst at ValuePenguin, specializing in credit cards and rewards programs. He previously covered mortgages and banking for the website before graduating from Columbia University with a B.A. in Political Science.

Comments and Questions

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.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, and Starwood Preferred Guest® American Express Luxury Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

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).