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Wells Fargo® Credit Cards of February 2024

Wells Fargo®
Apply for a Wells Fargo® Credit Cards. On 27.02.2024 you have access to 6 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 6
Updated:
20.02.2023
06:26
BEST CREDIT CARD FOR SIMPLE CASH BACK
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.6
Recommended FinScore™
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1000.00 – 20000.00 $
Rate
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Effective interest rate on the product

16.24 – 26.24 %
Wells Fargo
Wells Fargo Autograph℠ Card
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

19.24 – 29.24 %
Best No Annual Fee Travel Rewards Card
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
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Effective interest rate on the product

20.74 – 28.74 %
Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rate
i

Effective interest rate on the product

17.24 – 29.24 %
Wells Fargo
Hotels.com® Rewards Visa® Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Wells Fargo
Wells Fargo Business Elite Signature Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Reviews
CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review

Wells Fargo credit card collection are not big. The bank has only 5 credit cards for personal use and two cards for small business owners.

All Wells Fargo's credit cards come with cell phone protection and 24/7 Wells Fargo customer service. For the eligible Wells Fargo card, you get free balance transfers.

You can earn cash rewards on Wells Fargo consumer credit cards. Wells Fargo Autograph℠ Card rewards points, while Wells Fargo Active Cash® Card is a cash rewards Visa credit card.

Your credit card rewards can be redeemed towards statement credits, gift cards, cash for purchases, and travel benefits.

Personal credit cards

These consumer credit cards are intended for personal use. The cards come with 19.24%, 24.24%, or 29.24% variable APR.

You can earn rewards while paying no annual fee on purchases and qualifying balance transfers. Wells Fargo Active Cash® Card, Wells Fargo Autograph℠ Card, and Wells Fargo Reflect® Card have 0% Intro APR.

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card card has a $0 annual fee and a 3% foreign transaction fee. It has an Intro balance transfer fee (bt fee) and 0% Intro APR for 15 months from account opening. After your Intro APR extension ends, you get 19.24%, 24.24%, or 29.24% variable APR. Wells Fargo will start issuing the balance transfer fee after 120 days from your account opening.

You get unlimited 2% cash rewards on every dollar you spend in purchases with an Active Cash® Card. You can redeem the cash rewards for statement credits to your Wells Fargo credit card account. Statement credit will be transferred to your account and activated within 5-7 business days. You can also redeem cash rewards as credit for a Wells Fargo loan, mortgage, or other credit products applied to your principal balance. Cash redemptions by phone are available in $25 increments, while cash redemptions from ATMs can be withdrawn in $20 increments.

As a welcome bonus, once you spend $1,000 in the first three months from account opening, you get a $200 cash rewards bonus. The Visa Signature Concierge program allows you to choose prestigious hotel properties from a Premium Collection.

You get up to $600 of cell phone protection from theft or damage. You should pay your monthly cell phone bill with Wells Fargo Active Cash® Card.

Bilt Mastercard®

Bilt Mastercard® credit card has no annual fee. You earn points on travel, dining, and rent payments. The earning rate is the following:

  • 3 bonus points per dollar spent on dining purchases at restaurants, lounges, or orders.
  • 2 bonus points per dollar spent on travel purchases. These can be airline or hotel partners, cruise lines, and car rentals.
  • 1 bonus point per dollar spent on rent payments without a transaction fee. It is limited to 50,000 points per year.
  • 1 bonus point on other purchases.

You can double the bonus points with the promotion, valid every month on the 1st. The maximum amount of double bonus points you can earn under this promotion is 10,000 per month. To qualify for the offer, you must make at least five posted transactions in a statement period.

You can redeem credit card bonus points for 1:1 points transfer to the Wells Fargo partners, rents and down payments, fitness partners, or the Bilt Collection catalog.

Wells Fargo Autograph℠ Card

Wells Fargo Autograph℠ Card card has a $0 annual fee. There is an Intro APR extension for 12 months from account opening. After your 0% Intro APR ends, you will get a 19.24%, 24.24%, or 29.24% variable annual percentage rate.

Once you spend $1,500 within the first three months from account opening, you get 30,000 bonus points.

The Wells Fargo Autograph℠ Card earns unlimited 3 points per dollar spent on restaurants, travel, gas station, transit, popular streaming services, and phone providers. On other purchases, you will be getting 1 point per dollar spent.

You get up to $600 of cell phone protection from theft or damage. You should pay your monthly cell phone bill with Wells Fargo Autograph℠ Card.

Wells Fargo Reflect® Card

Wells Fargo Reflect® Card card has no annual fee. You get an Intro rate of 0% for 18 months from account opening on purchases and qualifying balance transfers. There is an extension for additional three months when you make at least one on-time minimum monthly payment during the 0% Intro APR. After the Intro period, your interest rate will be 17.24% to 29.24% variable APR.

Balance transfers do not accrue interest within 120 days from your account opening.

Wells Fargo Reflect® Card has up to $600 of cell phone protection from theft or damage. You should pay your monthly cell phone bill with Wells Fargo with an eligible Wells Fargo card.

Wells Fargo Reflect® Card also has a referral dispatch network for emergency roadside assistance, personalized deals via My Wells Fargo deals, and Zero Liability protection from unauthorized transactions. Wells Fargo Deals opens you access to personalized deals from merchants. You earn cash back as an account credit when you dine, shop, or enjoy an experience by using an eligible Wells Fargo credit card.

Hotels.com® Rewards Visa® Credit Card

The Hotels.com® Rewards Visa® Credit Card has no annual fee.

You get 2 reward nights once you spend $1,000 within the first three months from account opening on purchases and qualifying balance transfers. Excluding taxes and fees, the night can be worth a maximum of $125.

You can collect stamps each time you spend $500 in purchases made with your Wells Fargo's credit cards. There is one stamp per night you spend at an eligible property booked through the Hotels website. Once you collect 10 stamps, you get a reward night you can spend at over 500,000 properties in more than 200 countries.

Small business credit cards

These credit cards are designed for small business owners. There are only two credit cards available: Wells Fargo Business Platinum Credit Card and Wells Fargo Business Elite Signature Card.

Wells Fargo Business Platinum Credit Card may be the best Wells Fargo credit card for businesses with annual sales of up to $2 million. The cardholders can choose if they want to earn cash rewards or reward points with the Business Card Rewards program. The card is good for managing daily business expenses.

Wells Fargo Business Elite Signature Card is the best Wells Fargo credit card for businesses wishing to earn more rewards, get spending controls, and need dedicated customer service.

Wells Fargo Business Platinum Credit Card

The Wells Fargo Business Platinum Credit Card has no annual fee, and you can add up to 99 cards of your employees at no additional cost. There is no foreign transaction fee.

The interest rate ranges from Prime rate plus 7.99% to Prime rate plus 17.99% for purchases. There is a grace period of up to 25 days.

A new customer offer allows you to get a one-time bonus of $300 cash back of 30,000 bonus points once you spend $3,000 in the first three months from account opening and select a Business Card Rewards program.

The card earns 1.5% cash back on qualifying purchases. You get 1 point per $1 and receive 1,000 bonus points each billing cycle after spending at least $1,000.

The bonus points are redeemable for gift cards, cash back, merchandise, and airline tickets. You will receive a 10% points credit each time you redeem points online.

Wells Fargo Business Elite Signature Card

The Wells Fargo Business Elite Signature Card has no annual fee for the first year. After 12 months from account opening, your annual fees will be $125. The interest rate is Prime Rate plus 3.99% on purchases and Prime Rate plus 20.74% on cash advances. The grace period lasts for up to 25 days.

Wells Fargo Business Elite Signature is designed for businesses with over $1 million in annual sales.

The new customer offer allows you to get one-time cash back bonus of $1,000 or 10,000 bonus points once you spend $25,000 within the first three months from account opening.

The cash rewards earn rate is 1.5% on every dollar spent or 1 point per dollar spent and 5,000 bonus points when your company spends $10,000 in a monthly billing period.

There is a travel incidental fee reimbursement of up to $100 per year per company. The card has no foreign transaction fees, and you can issue up to 200 employee cards.

Pros and cons of Wells Fargo credit cards

Pros

  • Wells Fargo credit cards have 0% Intro APR offers lasting for over a year. You will not pay the interest on your net purchases and qualifying balance transfers for 12 to 15 months from the account opening.
  • Visa Signature Concierge allows you to get benefits from prestigious hotel properties via Premium Collection.
  • Wells Fargo reports your payments to the major credit bureaus. If you manage to make your on-time minimum payments consistently, your credit score will improve over time.

Cons

  • Wells Fargo currently does not have secured credit cards. It means you cannot apply for a Wells Fargo credit card having a low credit score. You simply will not qualify.
  • There are a few credit cards you can choose from with Wells Fargo. You might better compare the cards with alternative banks to determine if they are good for you.

How to get Wells Fargo credit cards

Wells Fargo does not have a lot of credit cards you can apply for. However, it still might be difficult to choose the best Wells Fargo credit card and get the suitable features. While choosing among Wells Fargo credit cards, you need to pay attention to the following:

  1. The annual fee on the cards. The better cards usually have higher annual fees, and they will cost you more. If you only start using Wells Fargo credit cards and want to try the benefits out, it might be wiser to opt for no annual fee Wells Fago credit card.
  2. Interest rates. Some cards have an Intro rate lasting for over 12 months from account opening. To determine if the Wells Fargo credit card and the bank are suitable for you, you can get a credit card with the Intro period.
  3. Cash rewards or point rewards. If you purchase a lot, cash back might be useful for you to redeem for purchases. For frequent travelers, it is best to opt for travel rewards credit cards earning points.

Main requirements

To be eligible for the Wells Fargo credit cards, the applicants must meet the following requirements:

  • Have good or excellent credit scores. These are at least 700 FICO scores.
  • Have a physical address in one of the US states and territories.
  • Be over 18 years old for most states, or 21 years old.
  • Provide a Social Security Number or an Individual Tax Identification Number.
  • Have a debt-to-income ratio of 35%-40% maximum. Your income should be larger enough than your debts.

The bank verifies your personal information: name, address, date of birth, and driver's license. You should also provide your phone number, and email address, so Wells Fargo could contact you.

For small business owners applying for business credit cards, Wells Fargo will ask you to attach the documents concerning your business ownership and tax information.

How to apply online

You can apply for Wells Fargo credit cards via the mobile app, in person, by phone, or via Wells Fargo's website. To start the application process online:

  1. Access the Wells Fargo main page;
  2. Go to the "Personal" or "Small Business" tab;
  3. Click on the "Credit Cards" button;
  4. Here, you can either choose the card you want and proceed to the specific page or click the "View all credit cards" button;
  5. You can check if there are any pre-selected credit card offers available to you. Fill in the form or sign into your account. The form asks if you are a customer of the bank, your name, address, financial info and spending behavior, and credit score. The procedure is basically a pre-qualification. You can find you can qualify for the cards and what cards may suit your needs. It does not affect your credit score.
  6. If you are ready to apply for the card, click the "Apply now" button. Provide your personal info, contact details, and financial information. You can avoid filling in the form by signing into your account with Wells Fargo.
  7. Consent to the terms and conditions of the bank and submit your application.

If you are approved by Wells Fargo, your credit card will arrive to you in approximately 10 days.

How to activate the Wells Fargo credit cards?

The process to activate a Wells Fargo credit card may vary depending on the type of card and the method you prefer to use. However, the following are common ways to activate a Wells Fargo credit card:

  1. Online. You can activate your Wells Fargo credit card by logging into your Wells Fargo online banking account. Once logged in, you should be able to access your credit card information and activate the card.
  2. Phone. You can also activate your Wells Fargo credit card by calling the number provided on the sticker on the front of the card or on the card activation instructions. Follow the automated instructions to activate the card over the phone.
  3. In-person. If you prefer, you can visit a Wells Fargo branch and activate the card in person. A Wells Fargo representative will assist you with the activation process.

It is important to follow the instructions provided with your card and to keep your card secure after activation by keeping it in a safe place and protecting your card information and personal information.

How to pay off a debt on Wells Fargo credit cards

Wells Fargo allows you to pay for the credit card in the following ways:

You can change your payment date by signing into the Credit Card Service Center and choosing the "Change Your Payment Due Date" tab under Account Management. You cannot change the due date from the 29th through the 31st of any month.

Credit Card Help Center may find you an available payment plan if you cannot make on-time minimum payments on your credit card. The sooner you contact them, the sooner they can help you with the payment plan.

There are multiple tools you can opt for to gain control over your finances:

  • Account alerts notify you when you approach a credit limit;
  • Hands on Banking is intended for the financial education of the Wells Fargo customers;
  • Wells Fargo Online spending categorizes your spending on the cards.

Wells Fargo reports your payments to the three major credit bureaus, so if you make on-time payments, you can boost your credit and qualify for better credit products n the future.

FAQ

Is it hard to get approved for a Wells Fargo card?

Wells Fargo requires you to have at least a 670 FICO score, but it is better to have 700+. Therefore, if you have bad credit, you will have a hard time being approved.

What credit score do you need for Wells Fargo?

You should have good or excellent credit to qualify for Wells Fargo. It is 700 and higher. However, the company states you can potentially qualify with a lower score.

How quickly can I get a Wells Fargo credit card?

Wells Fargo has an option of instant approval if your documents are in good standing. After approval, the card will arrive in 7 to 10 business days.