Wells Fargo Credit Cards

We found 6 Wells Fargo credit cards. Read on to get more insights.

By Hanna Volkava
Updated March 01, 2024

Best Credit Cards in March 2024

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Wells Fargo Active Cashâ„  best for Gamers

Active Cashâ„  Wells Fargo
Annual fee:
$0
Regular APR:
20.24% - 29.99% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash rewards on purchases.
  • Intro Offer:
    • $200 Earn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months.
  • Purchase Intro APR:
    0% Introductory APR for 15 months from date of account opening
  • Balance Transfer APR:
    20.24% - 29.99% Variable
  • Issuer name:
    Wells Fargo
  • Details:

    Wells Fargo Active Cashâ„  Card offers a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months. Plus, earn unlimited 2% cash rewards on purchases.

    Wells Fargo Active Cashâ„  Card offers a 0% intro APR period for 15 months from account opening on purchases and balance transfers, then 20.24% to 29.99% (Variable APR). Balance transfers made within 120 days from account opening qualify for the intro rate and fee. Plus, the card has no annual fee.

    Plus, enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases and balance transfer
  • Cons:
    • Foreign Transaction Fee
    • Extra Fees
  • Benefits:
    • Unlimited 2% cash rewards on purchases;
    • $200 cash rewards bonus;
    • Zero liability protection;
    • Concierge service 24/7;
    • Cell phone protection;
    • Luxury Hotel Collection.
Card detail
Wells Fargo Dillard's Elite American Express®
Annual fee:
$0
Regular APR:
30.24% Variable
Our Rating:
2.45
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Points at Dillard's (in-store and online).
    • 2x Points at gas stations and grocery stores in the U.S.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 10% Earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.
  • Issuer name:
    Wells Fargo
  • Details:

    The Dillard’s Elite American Express® Credit Card earns 2x points at Dillard's (in-store and online), 2x points at gas stations and grocery stores in the U.S. and 1x points on all other purchases.

    Open a Dillard’s Card Account and earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.

    The Dillard’s Elite American Express® Card doesn't charge an annual fee. The ongoing APR is 30.24% (Variable for purchases).

  • Pros:
    • No Annual Fee
  • Cons:
    • Balance transfers are not available
    • Foreign Transaction Fee
  • Benefits:
    • 10% Off Welcome Shopping Pass;
    • 2x points at Dillard's (in-store and online);
    • 2x points at gas stations and grocery stores in the U.S.;
    • 1x points on all other purchases;
    • Exclusive Events;
    • Special Financing on qualifying purchases of Men's Tailored Clothing, Home Furnishings, and Furniture;
    • Free standard shipping on all purchases;
    • Free gift wrapping for in-store purchases;
    • Cell Phone Protection;
    • Extended Warranty;
    • Global Hotel Collection;
    • Up to 25% off car rental bookings.
Card detail
Wells Fargo Dillard's American Express®
Annual fee:
$0
Regular APR:
30.24% Variable
Our Rating:
2.45
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2x Points at Dillard's (in-store and online).
    • 2x Points at gas stations and grocery stores in the U.S.
    • 1x Points on all other purchases.
  • Intro Offer:
    • 10% Earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.
  • Issuer name:
    Wells Fargo
  • Details:

    The Dillard's American Express® Credit Card earns 2x points at Dillard's (in-store and online), 2x points at gas stations and grocery stores in the U.S. and 1x points on all other purchases.

    Open a Dillard’s Card Account and earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.

    The Dillard’s American Express® Card doesn't charge an annual fee. The ongoing APR is 30.24% (Variable for purchases).

  • Pros:
    • No Annual Fee
  • Cons:
    • Balance transfers are not available
    • Foreign Transaction Fee
  • Benefits:
    • 10% Off Welcome Shopping Pass;
    • 2x points at Dillard's (in-store and online);
    • 2x points at gas stations and grocery stores in the U.S.;
    • 1x points on all other purchases;
    • Exclusive Events;
    • Cell Phone Protection;
    • Global Hotel Collection;
    • Up to 25% off car rental bookings.
Card detail
Wells Fargo Bilt Mastercard®
Annual fee:
$0
Regular APR:
21.49% - 29.49% Variable
Our Rating:
4
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points on dining.
    • 2x Points on travel.
    • 1x Points on rent payments without the transaction fee (up to 50,000 points each calendar year).
    • 1x Points on other purchases.
  • Balance Transfer APR:
    21.49% - 29.49% Variable
  • Issuer name:
    Wells Fargo
  • Details:

    The Wells Fargo Bilt Mastercard® Credit Card earns 3x points on dining, 2x points on travel, 1x point on rent payments without the transaction fee (up to 50,000 points each calendar year) and 1x point on other purchases.

    The Bilt Mastercard® doesn't charge an annual fee. The APR for purchases and balance transfers is 21.49% - 29.49% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
    • No welcome bonus
  • Benefits:
    • 3x points on dining;
    • 2x points on travel;
    • 1x point on rent payments without the transaction fee (up to 50,000 points each calendar year);
    • 1x point on other purchases;
    • Trip Cancellation/Trip Interruption Insurance;
    • Trip Delay Insurance;
    • Auto Rental Collision Damage Waiver;
    • Lyft credits;
    • 24/7 reservation concierge;
    • Cell Phone Protection;
    • Purchase security.
Card detail
Wells Fargo Reflectâ„ 
Annual fee:
$0
Regular APR:
18.24% - 29.99% Variable
Our Rating:
3.75
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Intro APR for 21 months from account opening
  • Balance Transfer APR:
    18.24% - 29.99% Variable
  • Issuer name:
    Wells Fargo
  • Details:

    The Wells Fargo Reflectâ„  Credit Card has a 0% intro APR period for 21 months from account opening on purchases and qualifying balance transfers (18.24% to 29.99% variable APR thereafter). Qualifying balance transfers are any eligible transfers made within 120 days of opening an account.

    The Card doesn't charge an annual fee.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Cell phone protection;
    • Roadside Dispatch®;
    • My Wells Fargo Deals;
    • Zero Liability protection.
Card detail
Wells Fargo Autographâ„ 
Annual fee:
$0
Regular APR:
20.24% - 29.99% Variable
Our Rating:
4.78
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans.
    • 1x Points on other purchases.
  • Intro Offer:
    • 30,000x Bonus points when you spend $1,500 in purchases in the first 3 months (that’s a $300 cash redemption value).
  • Purchase Intro APR:
    0% Introductory APR for 12 months from date of account opening
  • Balance Transfer APR:
    20.24% - 29.99% Variable
  • Issuer name:
    Wells Fargo
  • Details:

    The Wells Fargo Autograph℠ Credit Card earns 30,000 points when you spend $1,500 in purchases in the first 3 months (that’s a $300 cash redemption value). The Card offers 3x points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1x points on other purchases.

    The Autographâ„  Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on purchases. After that, the variable APR is 20.24% - 29.99%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period on balance transfers
  • Benefits:
    • 30,000 points when you spend $1,500 in purchases in the first 3 months (that’s a $300 cash redemption value);
    • 3x points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans;
    • 1x points on other purchases;
    • Cell phone protection;
    • Auto rental collision damage waiver;
    • Travel and emergency services assistance;
    • Zero Liability protection;
    • Luxury Hotel Collection;
    • Concierge service 24/7.
Card detail

Wells Fargo credit cards pros and cons

Pros

  • Multiple card options. Wells Fargo’s credit card options cater to a wide range of needs, whether one is looking to earn rewards, consolidate debt, or make online purchases.
  • A wide variety of redemption options. All Wells Fargo rewards-based credit cards earn Go Far Rewards points when you make eligible purchases. These points can be redeemed in several ways, including gift cards from major retailers, flights, rental cars, and hotel bookings, merchandise (jewelry, clothes, electronics, and more) from online sellers, and cash back.
  • Rewards sharing. You can transfer your points to other Go Far Rewards account holders.
  • Customer-friendly annual fee. Many of Wells Fargo’s best credit cards, like the Wells Fargo Active Cash Card and Wells Fargo Business Platinum credit cards, have 0 annual fees.
  • Welcome bonus. Many of Wells Fargo’s credit cards come with a sign-up bonus.

Cons

  • Requires good credit or better. To get approval on a majority of credit cards, your credit score needs to be between good and excellent.

How to Choose the Right Wells Fargo Credit Card?

Sometimes, choosing the right credit card from a specific credit card company is quite difficult. Considering Wells Fargo, there are three steps that will make your decision process easier.

First and foremost, you should check your credit score. It can vary from "Poor” to “Excellent”, and the higher your credit score is, the better Wells Fargo credit card offers and terms are available to you.

Then, you have to decide on why you need a Wells Fargo credit card and determine the most important aspects your future credit card should have. If you want a credit card to improve your credit, look for the ones with large grace period and no annual fee. If you want to not spend money on interest, Wells Fargo credit cards with the lowest interest and long intro offer are your option. In case you are looking for a credit card with cash rewards, pay attention to the rewards program offered by Wells Fargo.

As a third step, you should compare the Wells Fargo credit cards you think are the best for you, but taking into consideration all the aspects. Overall, an ideal credit card meet the following characteristics: near-zero interest rate, long grace period, no fees, high credit limit, and big rewards and sign-up bonuses. You can easily compare Wells Fargo credit cards in the table below.

Side-by-Side Comparison of Wells Fargo Credit Cards

Card Name APR Annual fee Rewards Intro offer
Dillard's Elite American Express® 30.24% Variable $0
  • 2x Points at Dillard's (in-store and online).
  • 2x Points at gas stations and grocery stores in the U.S.
  • 1x Points on all other purchases.
  • 10% Earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.
  • Active Cashâ„  20.24% - 29.99% Variable $0
  • 2% Cash rewards on purchases.
  • $200 Earn a $200 cash rewards bonus when you spend $1,000 in purchases in the first 3 months.
  • Dillard's American Express® 30.24% Variable $0
  • 2x Points at Dillard's (in-store and online).
  • 2x Points at gas stations and grocery stores in the U.S.
  • 1x Points on all other purchases.
  • 10% Earn a 10% Off Welcome Shopping Pass in your first statement when you charge $100 with Dillard’s today.
  • Business Platinum 11.24% - 21.24% Variable $0
  • 1.5% Cash Back on qualifying purchases.
  • $300 Earn a one-time $300 Cash Back bonus or 30,000 bonus points when you select a Business Card Rewards Program and spend $3,000 in the first three months after account open date.
  • Business Elite Signature 7.24% $125
  • 1.5% Cash Back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period.
  • $1,000 Earn a one-time $1,000 Cash Back bonus or 100,000 bonus points when you spend $15,000 in the first three months after account open date.
  • Hotels.com® Rewards Visa® 19.24% - 27.24% Variable $0
  • 1x Stamp for every night you stay at an eligible property booked on Hotels.com. Collect 10 stamps, get 1 reward night.
  • 2x Reward nights worth $250 total (max $125 per night) when you spend $1,000 in purchases in the first 3 months.
  • 1x Get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months.
  • Bilt Mastercard® 21.49% - 29.49% Variable $0
  • 3x Points on dining.
  • 2x Points on travel.
  • 1x Points on rent payments without the transaction fee (up to 50,000 points each calendar year).
  • 1x Points on other purchases.
  • No current offer.
  • Business Secured 15.15% Variable $0
  • 1.5% Cash Back on qualifying purchases.
  • No current offer.
  • Reflectâ„  18.24% - 29.99% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Conclusion

    Today, Wells Fargo has a range of credit cards with numerous options, yet it’s better to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us