Wells fargo credit card comparisons

Wells fargo credit card comparisons DEFAULT

Here are the best Wells Fargo credit cards for earning cash back and paying off debt—all with no annual fee

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The Wells Fargo Platinum Card is no longer available on Select. Please visit our list of best balance transfer cards and best Wells Fargo credit cards for alternative options.

Wells Fargo offers credit cards that can benefit cardholders who want to earn rewards, finance purchases or consolidate debt and benefit from unique perks, such as cell phone protection.

And currently, all of the Wells Fargo credit cards mentioned below have no annual fee.

Select reviews the top Wells Fargo credit cards in the below categories, so you can choose the best card based on your spending habits. (See our methodology below for more information on our selections.)

Best Wells Fargo credit cards

Best cash-back card

If simple cash back is what you're looking for, the newly releasedWells Fargo Active Cash Card has you covered with unlimited 2% cash rewards on all eligible purchases. This is the highest flat cash-back rate available among Wells Fargo credit cards, and it can certainly add up to great earnings on your spending.

The cash-back program is straightforward and simple, so you don't have to worry about tracking bonus categories or activating each quarter.

Plus, new cardholders of the Wells Fargo Active Cash Card can currently earn a $200 cash rewards welcome bonus when they spend $1,000 in purchases in their first three months from account opening.

This card provides a 15-month interest-free period on purchases and qualifying balance transfers (after, 14.99% to 24.99% variable APR) so that you can finance a large buy or have more time to pay off your credit card debt without accruing additional interest.

Wells Fargo Active Cash℠ Card

  • Rewards

    Unlimited 2% cash rewards on purchases

  • Welcome bonus

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

  • Annual fee

    $0

  • Intro APR

    0% APR on purchases and qualifying balance transfers for the first 15 months from account opening

  • Regular APR

    14.99% to 24.99% variable on purchases and balance transfers

  • Balance transfer fee

    Introductory fee of 3% ($5 minimum) for 120 days from account opening, then up to 5% ($5 minimum)

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

See rates and fees, terms apply.

Best balance transfer card

The Wells Fargo Platinum Card is the best choice for paying off debt with one of the longest intro 0% APR periods around. Cardholders receive 18 months to pay off balances that are transferred from another non-Wells Fargo card without interest (after, 16.49% to 24.49% variable APR). The intro period also applies to new purchases, so you can pay for large expenses over the course of a year and a half without interest.

During this time, you can chip away at your debt without incurring interest charges. That means more of your payments go toward your debt, versus debt plus interest on a card without a 0% APR period.

In order to qualify for the intro balance transfer period, you need to complete any transfers within 120 days from account opening. And transfers are subject to an introductory fee of 3% ($5 minimum) for 120 days, then 5% ($5 minimum).

This card doesn't offer any rewards, but it does come with auto rental collision damage waiver, roadside assistance, travel accident insurance and travel and emergency assistance.

Wells Fargo Platinum Card

Information about the Wells Fargo Platinum Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.
  • Rewards

    This card doesn't earn cash back, points or miles

  • Welcome bonus

    No current offer

  • Annual fee

    $0

  • Intro APR

    0% for the first 18 months from account opening on purchases and qualifying balance transfers

  • Regular APR

    16.49% to 24.49% variable

  • Balance transfer fee

    Introductory fee of 3% ($5 minimum) for 120 days from account opening, then up to 5% ($5 minimum)

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

See rates and fees. Terms apply.

Our methodology

To determine which credit cards offer the best value, Select analyzed Wells Fargo credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Sours: https://www.cnbc.com/select/best-wells-fargo-credit-cards/

If you’ve ever taken even a cursory glance into the world of finance, whether to seek out a personal loan or to determine where you’d like to open your savings account, the odds are quite high that you’re familiar with the Wells Fargo name.

Since its founding in 1852, the company has grown exponentially, now owning its position as America’s third-largest bank with thousands of locations across the country and an extensive assortment of financial services.

Like many banks of its caliber, Wells Fargo counts credit cards among this list of services. Its current selection features cash back rewards cards, business cards, and numerous additional cards that cover a broad spectrum of spending habits.

Reward Points

Wells Fargo issues two personal credit cards that earn rewards points, redeemable for cash, gift cards, travel, and more, and each offers something that sets it apart from the rest of the Wells Fargo family. Some even feature lengthy 0% APR introductory periods with reduced introductory balance transfer fees.

Rewards
  • 5X reward points per dollar on gas, grocery, and drugstore purchases in the first 6 months, up to $12,500
  • 1X reward point per dollar spent on all other purchases
  • Pool rewards and gift points with other Go FarRewards customers to reach a common goal
  • Use points for cash redemptions, gift cards, travel, merchandise and more
  • 0% introductory APR for 15 months on both purchases and balance transfers. After that you'll get APRs of 17.49%–26.49% Variable
  • No annual fee
Rewards
Spending Rewards
  • 5X reward points per dollar in the first 6 months, up to $12,500 spent at:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1X reward point per dollar spent on all other purchases

Bonus restrictions

You may not be eligible for intro APRs, fees, or bonus reward offers if you opened a Wells Fargo Credit Card within the last 15 months and received intro APR’s, fees, or bonus reward offers.

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% for 15 months
  • Regular Balance Transfer APR17.49%–26.49% Variable
  • Balance Transfer Fee3%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeUp to $37
  • Returned Payment FeeUp to $37
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3%

The Wells Fargo Rewards Card features a fairly unique signup bonus that provides a high rewards rate for specific categories up to a certain spending limit. It also delivers an impressive introductory APR period, which makes it a good choice if you’re planning to rack up some big purchases to maximize your rewards.

Rewards
  • Earn 5 points for every $1 spent on gas, grocery, and drugstore net purchases (purchases minus returns and credits) for the first 6 months, then...
  • Earn 1 point for every $1 spent on all other purchases
  • 50% more value when redeemed for airfare ( 20,000 points is a $300 value toward airfare redemption or a $200 value toward cash redemption)
  • Pool rewards with other Go FarTMRewards customers to reach a common goal
  • Take up to 5 full years to enjoy the points you earn
  • Free access to your FICO® Credit Score with Wells Fargo Online®
Rewards
Spending Rewards
  • Earn 5X points for every $1 spent on gas, grocery, and drugstore purchases for the first 6 months
  • Earn 1X point for every $1 spent on all other purchases
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% for 15 months
  • Regular Balance Transfer APR13.49%–26.49% Variable
  • Balance Transfer Fee3%, $5 minimum for 120 days then up to 5%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeUp to $37
  • Returned Payment FeeUp to $37
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3%

The Wells Fargo Visa Signature® Card is very similar to the Wells Fargo Rewards Card, but there’s a bonus if you redeem your points for airfare. It also adds Visa Signature benefits and has a minimum credit limit of $5,000, rather than $1,000.

Low Interest Rate

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% intro APR for 18 months on qualifying balance transfers
  • Regular Balance Transfer APR16.49%-24.49% Variable
  • Balance Transfer Fee3% intro for 120 days from account opening, then up to 5%; min: $5
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRNone
  • Late FeeUp to $40
  • Returned Payment FeeUp to $40
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3%

The Wells Fargo Platinum card (Learn More) (Review) is a no-nonsense credit card that provides a lengthy 0% intro APR period for both purchases and balance transfers, before its regular variable APR kicks in.

Students

Rewards
  • 3% cash back at gas stations, grocery stores, and drugstores for the first 6 months, then 1% back
  • 1% cash back for all other purchases
  • 0% intro APR on both purchases and balance transfers for 6 months, and then your rates will be 12.15%–22.15% Variable
  • Free FICO Credit Score
  • Cell phone protection
  • Travel protections, including Roadside Dispatch and Travel Accident Insurance
  • No annual fee
Rewards
Spending Rewards
  • 3% cash back for the first 6 months, up to $2,500 spent, on:
    • Gas stations
    • Grocery stores
    • Drugstores
  • 1% cash back for every other purchase
  • Bonus cash back at participating merchants in the Earn More Mall
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% for 6 months, for transfers made within 120 days
  • Regular Balance Transfer APR12.15%–22.15% Variable
  • Balance Transfer Fee3%, $5 minimum for transfers made within 120 days; 5%, $5 minimum after that
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeUp to $37
  • Returned Payment FeeUp to $37
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee3%

A good choice for students just stepping into the world of credit, the Wells Fargo Cash Back College Card offers a higher rewards rate on certain purchases for the first six months before delivering flat-rate cash back on every purchase.

Business Credit Cards

The Wells Fargo family of credit cards includes three business cards, all of which share a unique rewards structure where you choose between cash back and rewards points. You must manually enroll in one of these programs before you’ll earn any rewards, unlike most cards where it’s automatic.

The three Wells Fargo business cards are designed for businesses in different situations — the secured card, for example, caters more to new blood and business owners with poor credit, while the Business Elite card is targeted toward businesses that bring in over $1 million in sales annually.

Rewards
  • Up to 10 cards for you & employees
  • Your choice of a cash back rewards program or a point rewards program
  • More Bonus Points: When you shop online or in person at the Earn More Mall.
  • Card Design Studio: Design your own card.
  • No annual fee
Rewards
Spending Rewards
  • Cash Back Option: 1.5% cash back for every purchase
  • Reward Points Option:
    • 1X point per dollar for every purchase
    • 1,000 bonus points for spending $1,000 in a monthly billing period
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRSee Terms
  • Balance Transfer FeeSee Terms
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeUp to $50
  • Returned Payment Fee$29
  • Additional Cards Annual Fee$25
  • Foreign Transaction FeeNone

At first glance, the Wells Fargo® Business Secured Credit Card is pretty much what you’d expect from a secured business card. You provide a deposit, and that’s your credit line. But it has an interesting rewards system where you choose between two programs that each work a bit differently.

Rewards
  • Cash back option includes 1.5% cash back on every purchase and $500 cash back if you spend $3,000 in the first 3 months of account opening
  • Reward Points option includes 50,000 bonus points after spending $3,000 in the first 3 months of account opening, 1X point per dollar, 1,000 bonus points for spending $1,000 in a month, and 10% point credit for redeeming points online
  • 0% introductory APR for 9 months on both purchases and balance transfers. After that you'll get APRs of Prime + 7.99% to Prime + 17.99% Variable
  • Up to 99 employee cards at no additional cost
  • No foreign transaction fees
  • No annual fee
Rewards
  • Choose one:
    • Cash Back Option: 1.5% cash back for every purchase
    • Reward Points Option: 1X point per dollar for every purchase, and 1,000 bonus points for spending $1,000 in a monthly billing period
Introductory Bonus
  • $500 cash back or 50,000 bonus points when you enroll in a Business Card Rewards Program and spend $3,000 in the first 3 months

Bonus restrictions

Signup bonuses are not available if your business already has a Wells Fargo business card, or has opened or closed a Wells Fargo business card in the preceding 12 months.

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APR0% for 9 months
  • Regular Balance Transfer APRSee Terms
  • Balance Transfer Fee4%, $10 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRSee Terms
  • Late FeeUp to $50
  • Returned Payment Fee$29
  • Additional Cards Annual Fee$0
  • Foreign Transaction FeeNone

The Wells Fargo Business Platinum Credit Cardfeatures the same rewards options as the secured business card. The most notable difference is that this card isn’t secured, so you don’t have to provide a deposit up front, but you’ll also get an introductory bonus, a 0% APR period, and up to 99 free employee cards. Oh, and there’s no annual fee.

Rewards
  • Choose from points or cash back: earn 1X point per dollar spent on all purchases OR earn 1.5% cash back spent on all purchases
  • (Must enroll) 100,000 points for spending $25,000 in the first 3 months OR $1,000 for spending $25,000 in the first 3 months
  • 10% point credit bonus when you redeem points online
  • $100 incidental travel fee reimbursement credit per year
  • Visa Signature Concierge
  • Visa Signature Luxury Hotel Collection
  • Use the Card Design Studio to brand your card with your business
  • $0 additional card fee
  • Annual fee of $125, $0 first year
Rewards
  • Choose one:
    • Cash Back option: 1.5% cash back for every purchase
    • Reward Points option: 1X point per dollar for every purchase, and 5,000 bonus points for spending $10,000 in a monthly billing period
Introductory Bonus
  • (Must enroll) 100,000 points for spending $25,000 in the first 3 months OR $1,000 for spending $25,000 in the first 3 months

Bonus restrictions

This offer is not available to you if the business already has a Wells Fargo business credit card or has had a Wells Fargo business credit card opened or closed in the immediately preceding 12 months.

Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRSee Terms
  • Balance Transfer FeeSee Terms
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeSee Terms
  • Returned Payment FeeSee Terms
  • Additional Cards Annual Fee$0
  • Foreign Transaction FeeNone

The Wells Fargo Business Elite Signature Card is tailored to companies with big sales numbers. Its rewards structure may seem similar to the other Wells Fargo business cards, but it works a bit differently. You have to opt in before you can earn any points or cash back (like the other business cards), but in this case you’ll be charged an annual fee for the rewards program itself — rather than for the card — after the first year.

Wells Fargo Advisors Clients

Wells Fargo Advisors is a Wells Fargo subsidiary that offers investment guidance and a comprehensive range of financial planning services. Its clients are afforded the opportunity to use special credit cards that come complete with point-based rewards systems and some valuable benefits.

Rewards
  • Earn 3 points for every $1 spent on airlines, hotels, car rentals, and more
  • Earn 2 points for every $1 spent at restaurants
  • Earn 1 point for every $1 spent on all other purchases
  • 35,000 points are rewarded when $75,000 is spent annually
Rewards
  • Earn 3 points for every $1 spent on airlines, hotels, car rentals, and more
  • Earn 2 points for every $1 spent at restaurants
  • Earn 1 point for every $1 spent on all other purchases
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APR13.49% Variable
  • Balance Transfer Fee5%, $5 minimum
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeUp to $37
  • Returned Payment FeeUp to $37
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeNone

The Wells Fargo Advisors By Invitation® Visa Signature® is a travel card with a solid rewards program and a beefed up anniversary bonus.

There’s no annual fee, but there’s a slight catch — the card is only available for Wells Fargo Advisors clients with at least $1 million in assets under management between Wells Fargo Advisors and Wells Fargo Bank.

Wells Fargo Credit Card Features

Most of the Wells Fargo credit cards share at least a few basic product features to help improve your experience as a cardholder. Check your card’s documentation and Guide to Benefits once you’ve received it for more information on the exact selection of benefits you’ll have at your disposal.

Benefits you can expect to see may include:

  • Alerts: Wells Fargo offers customizable alerts via email, text, or push notification. These can be sent when a purchase exceeds a specified amount, when your credit card is used for certain types of purchases, and more.
  • Free FICO credit scores: Depending on your card, you may be able to check your FICO Score 9, based on your Experian credit report, for free.
  • Fraud protections: Wells Fargo’s credit cards come with fraud protection measures and a zero-liability policy for unauthorized charges. They also generally come with features like Rapid Alert, which helps you identify suspicious activity as soon as it occurs.
  • My Spending Report with Budget Watch: This online money management tool offers budgeting capabilities, allowing you to set goals, track income, and keep an eye on your spending.
  • Overdraft protection: Link your card to your Wells Fargo checking account to protect yourself from overdraft fees. Transfers from your credit card to your bank account will be considered cash advances, with fees applied accordingly.
  • Cell phone protection: Wells Fargo’s consumer credit cards include a phone protection program that provides reimbursement for covered damage if you use them to pay your monthly cellular telephone bill.
  • Visa, Mastercard, or American Express benefits: Most Wells Fargo credit cards are offered through Visa, but there’s a Mastercard and two American Express cards as well. Regardless, these networks all provide certain basic benefits. These usually include (but aren’t limited to) a variety of shopping and travel features, such as extended warranty protection, travel accident insurance, roadside assistance, and collision damage waivers for car rentals.

A Brief History of Wells Fargo

Wells Fargo has firmly established itself as a household name in American banking. However, it wasn’t always the nationwide finance giant it is now. The company spent decades operating in a highly regional capacity, and much of its fame was gained through its express services, rather than through banking.

The Golden Age

Like many of the most exciting tales of the Old West, Wells Fargo’s story stems from the frenzy of the California Gold Rush. The year? 1852. Location? Sunny San Fran.

Henry Wells and William G. Fargo, already versed in the world of business and loath to pass up an opportunity to fill a dire need, decided to form “a banking and express company” known as Wells, Fargo & Co. At this point in time, “banking” actually referred to buying gold and selling bank drafts as good as gold, and the company’s express services encompassed the speedy delivery not only of gold, but basically anything of value.

It wasn’t long before the company achieved success with the all-star duo of Wells and Fargo at the helm. Each had previously worked with other express companies, and two years earlier, had even helped found another financial heavyweight with which you might be familiar: American Express.

As a matter of fact, Wells, Fargo & Co. was only started when American Express directors objected to the idea of moving Amex operations to the Golden State.

By now, though, it’s likely clear that those objections weren’t much of an obstacle.

Wells Fargo and American Express cofounder, Henry Wells. Image credit: Britannica

Messengers of the West

Wells Fargo’s expertise and customer base grew steadily, and its selection of services followed suit. It soon entered the realm of communications with involvement in the Overland Mail Company and the now-legendary Pony Express, each of which sought to increase the interconnectedness of the burgeoning United States.

By 1866, Wells Fargo had expanded its reach all throughout the west, covering more than 3,000 miles of territory and serving customers from Nebraska to California and everywhere in between.

Today, the bank attributes this rapid success to its unwavering dedication to finding the fastest and most reliable ways to serve its customers. This was clearly demonstrated through the many modes of transportation used in the heyday of Wells Fargo’s express operations — from steamboat to stagecoach, the company employed any means necessary to get the job done in a timely manner.

The stagecoach played a fundamental role in Wells Fargo’s express operations, and it remains a fundamental part of its brand image. Image source: Wells Fargo History

Arrival of the Rail

The First Transcontinental Railroad was completed in 1869, allowing Wells Fargo to stretch its arms even farther from its home base in California. Over the next few decades the company edged ever eastward, and by 1888, it earned the title of America’s first-ever nationwide express company.

Wells Fargo celebrated this milestone by adopting the mottos “Ocean-to-Ocean,” which highlighted its massive continental reach, and “Over-the-Seas,” which showcased its role in furthering the nation’s participation in the global economy.

Express operations aside, Wells Fargo continued to serve communities with everyday financial services. These included telegraph transfers and money orders, though the company still placed heavy emphasis on dealing with gold in mining communities.

The Schism

As the 19th century came to a close, the needs of America were evolving at an increasingly rapid pace, and Wells Fargo acknowledged that it was time for a major change.

Wells Fargo & Co’s Bank, San Francisco, separated from Wells Fargo & Co. Express in 1905. The latter company operated for over a decade afterward before being scooped up by the federal government as the nation plunged into the First World War, leaving the remainder of Wells Fargo’s operations squarely in the financial industry.

Just a year later, the Great 1906 San Francisco Earthquake struck, wreaking massive damage not only throughout San Francisco but in several nearby cities, including Santa Rosa. The earthquake leveled Wells Fargo’s building, but the bank’s president at the time — I.W. Hellman — sent a now-famous(ish) telegraph reading “Building destroyed. Vault intact. Our position unimpaired.” that still serves as a testament to the bank’s hardy, long-lasting nature.

Wells Fargo in the 20th Century

In the wake of the 1906 earthquake, Wells Fargo dominated downtown San Francisco’s banking scene, powering through the Great Depression and lending its assistance during World War II. But while it retained a strong position in the area, the bank eventually began to look beyond the confines of the Bay Area.

Wells Fargo established itself in communities all throughout Northern California during the 1960s. By the time the ’80s came around, Wells Fargo had spread across the state and was one of the nation’s largest banks.

The 1990s saw Wells Fargo taking this growth to the next level as locations sprang up all over the U.S., and the decade heralded the reclamation of the bank’s age-old “Ocean-to-Ocean” and “Over-the-Seas” mottos.

Welcoming the New Millennium

Now one of America’s largest corporations, Wells Fargo remains based in its heritage HQ of San Francisco, but it serves millions upon millions of customers through more than 8,000 physical locations.

The bank has offices in 37 different countries, and it employs more than 250,000 team members. Wells Fargo is active in diverse areas of the finance sector, from commercial real estate to wealth management and beyond.

The bank is also among the nation’s most significant charitable donors, distributing $286.5 million among 14,500 nonprofits in 2017 alone.

Interested in digging even deeper into Wells Fargo’s colorful backstory? The bank currently operates 12 history museums throughout the U.S., each offering free access and tours to visitors of all ages.

Wells Fargo offers an impressive variety of credit cards, but if you can’t find one that complements your spending habits take a look at our picks for the best credit cards in the game.

Written by

Sean Messier

Sean Messier works to empower individuals with the knowledge required to use credit cards responsibly and to their advantage. His writing- and research-based background has granted him experience in an array of topics, from finance to business and beyond. Sean distills the knowledge accumulated over years of experience in the credit space into consistent, actionable articles, guides, and reviews.

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Best Wells Fargo Credit Cards Of October 2021

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Wells Fargo Active Cash Card (Overview)

Best Wells Fargo credit cards for October 2021

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Fargo comparisons wells credit card

Final Verdict

Wells Fargo has competitive credit cards for both consumers and small business owners. Whether you're looking for rewards, benefits, or a 0% APR offer, Wells Fargo has a credit card that can meet your needs. Our choice for the best Wells Fargo credit card is the Wells Fargo Cash Wise Visa Card because of its unlimited 1.5% cash back, no annual fee, and new cardholder offers. Additionally, it is available to most consumers because it is targeted to people with good credit scores and above.

Compare the Best Wells Fargo Credit Cards

Credit CardIntro OfferRewardsAnnual FeeRegular APRMinimum Credit Score
Wells Fargo Cash Wise Visa® Card
Best Overall/Best Cash Back
$150 after $500 in 3 months; 0% APR on purchases and balance transfers for 15 monthsUnlimited 1.5%$014.49% to 24.99%670
Wells Fargo Business Platinum Credit Card
Best Business 
$300 or 30,000 points after $3,000 within 3 months; 0% APR on purchases and balance transfers for 9 monthsUnlimited 1.5% or 1 point per $1 plus 1,000 bonus points each month you spend $1,000$0 11.24% to 21.24% 670 
Wells Fargo Platinum Card
Best Balance Transfer 
0% APR on purchases and balance transfers for 18 monthsNone$0 16.49% to 24.49% 670 
Wells Fargo Cash Back College℠
Best Student 
3% on up to $2,500 in gas, grocery, and drugstore purchases during first 6 monthsUnlimited 1%$0 11.15% to 21.15% 350

Editorial Picks for the Best Wells Fargo Credit Cards

Wells Fargo Cash Wise Visa® Card

Best Overall/Best Cash Back

Earn unlimited cash back without activating promotions or needing to remember bonus categories. A new cardholder bonus is available after spending just $500 within three months.

Read the full Wells Fargo Cash Wise Visa® Card Review.

Wells Fargo Business Platinum Credit Card

Best Business

Business owners can choose between unlimited 1.5% cash back or 1 point for every $1 spent and a bonus when you spend at least $1,000 each month. You can add up to 99 employee cards at no charge to earn rewards on their spending.

Read the full Wells Fargo Business Platinum Credit Card Review.

Wells Fargo Platinum Card

Best Balance Transfer

Enjoy up to 18 months of interest-free financing on purchases and balance transfers. The card has limited appeal after the introductory interest rate promotion expires.

Read the full Wells Fargo Platinum Card Review.

Wells Fargo Cash Back College℠

Best Student

College students can build their credit while earning cash back rewards. Low credit score requirements should make it easier to be approved.

Read the full Wells Fargo Cash Back College℠ Review.

Types of Wells Fargo Credit Cards

Wells Fargo primarily issues Visa cards, along with a Mastercard option for its business secured card. It doesn't issue any cards on the Discover or American Express networks. Wells Fargo's cards include points and cash back rewards and secured card options for consumers and small businesses, along with a card for college students.

Its credit cards generally fall within these categories:

  • Cash back
  • Flexible points
  • Balance transfer credit cards
  • Co-branded cards
  • Student credit cards
  • Small business cards
  • Secured credit cards

While Wells Fargo does offer a secured credit card for small businesses, it does not currently offer a secured credit card for consumers.

How the Wells Fargo Rewards Program Works

Wells Fargo rewards points are earned at various levels based on the particular card. Cash back is earned as a percentage back on purchases, both as cash back and with enhanced earnings for certain purchase categories during introductory periods with its college student rewards card.

Is a Wells Fargo Credit Card Right for Me?

Wells Fargo offers several credit cards for consumers and small businesses that earn rewards and offer attractive benefits and 0% APR promotions. Many of its cards earn cash back or flexible points that allow customers to use their rewards in many ways. Promotions with 0% APR give customers extra time to pay off purchases or balances transferred from another credit card.

Wells Fargo Credit Card Benefits

Credit cards from Wells Fargo offer numerous benefits depending upon the card that you select. Here are a few of the benefits that you may be offered on your credit card:

  • Free FICO score
  • Auto rental collision damage waiver
  • Cell phone insurance
  • Trip cancellation protection
  • Lost luggage reimbursement

Fees on Wells Fargo Credit Cards

Currently, consumer credit cards from Wells Fargo do not charge an annual fee. However, most charge a foreign transaction fee of 3% on international purchases. Additionally, you may be charged up to $40 for a late or returned payment.

Interest Rates

Interest rates for Wells Fargo credit cards are variable based on the Prime Rate. Most cards have a range of interest rates that are based on your creditworthiness. Standard APRs are as low as 11.15% and as high as 24.99%, depending on your personal information and which card you apply for.

What Credit Score Do I Need to Qualify for a Wells Fargo Credit Card?

Wells Fargo offers credit cards for consumers and small business owners with good (670 FICO) credit and above. It does not offer a secured credit card for consumers, but it does have a business secured credit card. Wells Fargo does not offer cards targeted to consumers with no credit history or poor credit (below 670 FICO). However, college students can start to build credit with its student credit card.

To apply for a Wells Fargo consumer credit card, you'll need to provide the following information:

  • First and last name
  • Address
  • Email and phone number
  • Social Security number
  • Date of birth
  • Mother's maiden name
  • Country of citizenship
  • Housing status
  • Monthly mortgage or rent payment
  • Employment status and occupation
  • Employer name and phone number
  • Years at current employer
  • Total annual income
  • Is any portion of your income non-taxable?

After submitting an application, most people receive an immediate decision. If the system is unable to approve you, you should receive a letter requesting more information or explaining the bank's decision within seven to 10 business days.

Keep in mind that you may not eligible for a new card bonus or 0% APR offer if you opened a Wells Fargo credit card in the last 15 months and received a bonus or APR offer on that card.

How Good Is Wells Fargo Customer Service?

Wells Fargo ranked eighth out of 11 national card issuers in the J.D. Power 2020 U.S. Credit Card Satisfaction Study. The bank received a below average score. Some of Wells Fargo's satisfaction rating may be a negative perception holdover from its retail banking scandal, when the bank had to make restitution for opening millions of accounts on behalf of customers without their consent. The banking giant is under new management, so time will tell if its customer service ratings improve.

What Is the History of Wells Fargo?

Wells Fargo is one of the oldest banking organizations in the U.S., formed in 1852 as an express and banking company in California by the same founders as American Express—Henry Wells and William Fargo—to take advantage of the booming gold rush that began in 1848. Through multiple mergers and acquisitions over the years, which included Crocker National Bank, Norwest, and Wachovia, Wells Fargo is now a super bank with coast-to-coast operations and well over $1 trillion in assets. Its credit card operations rank eighth in the U.S., just behind Discover in terms of outstanding balances.

Methodology

To determine the best Wells Fargo credit cards, we reviewed each of the available credit cards from its site. We gathered data points from each card, such as annual fee, interest rate, rewards earned, benefits, and more. Scores were assigned to all data points so that cards could be compared against each other and ranked for each type of customer. The cards with the highest scores were chosen as our favorites for each category. We continuously monitor this information for changes to ensure that our rankings and recommendations are up-to-date for our readers.

MEET OUR CREDIT CARDS EXPERT

Ben Woolsey is Investopedia's Associate Editorial Director of Financial Products and Services, including credit cards. He has more than 30 years of experience in the financial services industry, including marketing for banking and financial institutions such as Associates First Capital and Bank One. Prior to Investopedia, he managed credit card content for CreditCards.com and Bankrate.com. 

Sours: https://www.investopedia.com/best-wells-fargo-credit-cards-5073319
BREAKING NEWS! Wells Fargo to Release NEW CREDIT CARDS in 2021 \u0026 2022! (Wells Fargo Active Cash)

All information about the Wells Fargo Visa Signature Card, the Wells Fargo Rewards Card, the Wells Fargo Cash Wise Visa® card, the Wells Fargo Platinum and the Wells Fargo Cash Back College Card have been collected independently by CreditCards.com and has not been reviewed by the issuer.  The Wells Fargo Platinum card is no longer available.


A guide to Wells Fargo credit cards

With a vibrant history and competitive financial products, Wells Fargo is among the banking leaders in the United States and world. This 169-year-old bank offers commercial and personal banking services alike, including a suite of credit card products sure to please. Here, we look at the cards we offer on our site, the bank’s storied history, and its rewards and benefits.


Best Wells Fargo Credit Cards at a Glance

Wells Fargo Reflect℠ Card: Best for longest intro APR

Why we picked it: This new card from Wells Fargo now touts one of the longest introductory APR offers on the market, offering an initial 18 months from account opening of 0% introductory interest on purchases and qualifying balance transfers, plus a three-month extension if you make on-time monthly minimum payments for the length of the intro offer (12.99% to 24.99% variable APR thereafter).

Pros: While there are no base rewards on spending, the card does tout a few notable ancillary benefits, including access to My Wells Fargo Deals and up to $600 in cell phone protection if you use the card to pay your monthly phone bill (subject to a $25 deductible).

Cons: Those base rewards might not be enough to entice cardholders who are looking for a card with significant long-term value. However, the real drawback here is the balance transfer fee, which can be as high as 5% (or $5, whichever is greater) if you don’t transfer the balance within 120 days of account opening.

Who should apply? If you’re looking for a long window to pay back high-interest credit card debt or a large purchase, look no further.

Read our Wells Fargo Reflect℠ Card review.

Wells Fargo Active Cash℠ Card: Best for everyday cash rewards

Why we picked it: For a card with no annual fee, the Wells Fargo Active Cash card offers a generous unlimited 2% cash rewards on eligible purchases, making it simple to maximize earnings on daily purchases. This card also offers a competitive sign-up bonus, offering $200 in cash rewards for spending $1,000 within three months of account opening. For those looking to manage debt or perform a balance transfer, Wells Fargo offers a 0% introductory APR on purchases as well as qualifying balance transfers for 15 months from account opening, then 14.99% to 24.99% variable APR.

Pros: Wells Fargo offers a simple rewards structure and earnings never expire so long as your account remains in good standing. Plus, there are no rotating categories to keep track of and no enrollments required. The card also includes perks like up to $600 in cell phone protection credit when you pay your cell phone bill with the card (subject to $25 deductible) and Visa Signature Concierge benefits at select hotel properties worldwide.

Cons: No bonus categories to speak of means those looking to truly maximize earnings will want to pair this with a higher-earning card. Ancillary benefits and card perks are limited compared to other cards. There is a 3% balance transfer fee on qualifying transfers made within the first 120 days then up to 5% ($5 minimum) after the 120 day introductory period ends and a 3% foreign transaction fee.

Who should apply? Anyone looking for a simple and flexible way to earn rewards on daily spending will see a lot of value from this new Wells Fargo card.

Who should skip? A rewards-seeker who wants to capitalize on special offers and bonus rates should look to other rewards cards, specifically ones with rotating cash back categories.

Read our Wells Fargo Active Cash Card review.

Wells Fargo Platinum card: Best for balance transfers

Why we picked it: One of the longest introductory periods out there, this card gives cardholders 18 months at 0% intro APR for both purchases and qualifying balance transfers made in the first 120 days (16.49% – 24.49% variable thereafter). That’s ample time to recover from a large purchase or past credit card debt problems. With a card like this one, you can consolidate your outstanding credit card debt and set up a year-and-a-half long budget to get rid of it.

Pros: In addition to saving money through its high end offers on introductory APRs, this card comes with no annual fee. It also features a slew of nice perks: up to $600 cell phone protection (a $25 deductible applies), free access to your FICO score, overdraft protection, rapid alerts, roadside dispatch and more.

Cons: Being a card designed for interest savings, this option does not feature any sort of rewards program. Those looking to get rewarded for their spending will have to look elsewhere.

Who should apply? If you’ve found yourself swimming in credit card debt, a balance transfer card is an excellent way to stop yourself from drowning. With some planning and attentive spending, you can make a huge dent in your debt and work your way towards a more free financial future.

Who should skip? Someone who wants to be rewarded for their spending should look at options providing cash back or points structures, as long as your credit score qualifies.

Read our Wells Fargo Platinum card review.

Wells Fargo Cash Wise Visa® card: Best for cash back

Why we picked it: With a flat rate of 1.5% cash rewards on purchases, cardholders can earn consistent, easy-to-understand rewards. You can redeem your unlimited, non-expiring cash rewards online or through a Wells Fargo ATM if you’re a customer of the bank. The rewards can be used freely as cash or can be put towards other things: paying down a loan, gift cards, merchandise, travel, digital rewards and charitable donations.

Pros: This no annual fee card comes with a sign-up bonus opportunity to earn $150 cash rewards after spending $500 on purchases in your first three months. As a way to earn extra, cardholders can take advantage of 1.8% cash rewards on purchases made through Google Pay™ and Apple Pay®  in their first 12 months. Another early offer from Wells Fargo: get 0% intro APR for 15 months on purchases and qualifying balance transfers made in your first 120 days from account opening (then 14.49% to 24.99%, variable).

Cons: One common complaint with this card is a lack of flexibility: You can only withdraw cash in increments of $20 at the ATM and $25 by phone. Also, although the card offers several ways to earn, many have a limited time period. If you think this may be the right option for you, it might be time to get familiar with digital wallets to take full advantage.

Who should apply? Anyone looking for a simple rewards card with a sign-up bonus and welcome offers on interest rates could benefit from this card. A flat rate cash back card can be a great option to complement other rewards options such as rotating cash back cards, travel cards, airline cards and more.

Who should skip? An experienced cardholder with a great credit score may be eligible for a card with more lenient and flexible rewards opportunities.

Read our Wells Fargo Cash Wise Visa card review.

What is Wells Fargo?

With the iconic six-horse stagecoach as its logo, Wells Fargo’s history is perhaps the best known of the United States’ “Big Four” banks.

Since 1852, Wells Fargo has grown with what would become the Western U.S. to now serving customers throughout the nation. Stagecoaches, ponies, steamships and the internet have all served as transportation of assets for what is today the third largest bank in the country.

Wells Fargo’s banking history…

YearEvent
1852Henry Wells and William Fargo found Wells, Fargo & Co., opening in San Francisco to serve the West in valuable deliveries and banking, including gold gleaned from the California Gold Rush and other assets, by stagecoach, steamship, railroad and pony.
1861Wells Fargo takes over the western leg of the famous – but short-lived – Pony Express.
1888The Ocean-to-Ocean campaign begins after the Transcontinental Railroad launches in 1869, connecting 2,500 communities in 25 states. The Over-the-Seas campaign highlights the company’s international efforts.
1905The San Francisco-based bank separates from Wells Fargo & Co. Express. A year later, the bank survives the 1906 San Francisco earthquake and fire. Bank President I.W. Hellman telegraphs: “Building Destroyed, Vault Intact, Credit Unaffected.”
1923Wells Fargo comes to be known as a “banker’s bank” that would survive the Great Depression 10 years later.
1960sBank expands into a regional California bank.
1980sBank becomes the seventh largest bank in U.S.
1990sBank expands into the West, Midwest and East, as in its beginnings.
TodayWells Fargo serves as the third biggest bank in the U.S. with $1.95 trillion in assets.

Source: Wellsfargo.com

Wells Fargo’s operations include personal, small business and commercial services. Here are some of the services it offers.

Personal

  • Banking. In addition to checking and savings, there are also debit and prepaid cards, as well as credit cards.
  • Loans and credit. These include everything from mortgage and home equity to personal and student loans.
  • Investing and retirement. Services include IRAs, rollovers, and mutual funds and investment services.
  • Wealth management. This includes wealth planning and trust services.

Small business

  • Banking. This includes business checking, savings, IRAs and debit.
  • Loans and credit. From business credit cards to business real estate and healthcare practices financing, these services are expansive.
  • Merchant services. Wells Fargo offers Clover POS Systems, as well as payment and credit card processing.
  • Payroll and other services. This includes payroll services, time and attendance, investing for retirement and other services.

Commercial

From auto dealerships to waste and recycling, Wells Fargo has extensive experience in the commercial sphere. Services include commercial financing, real estate and trust services, as well as international services and investment banking.

How to choose a Wells Fargo credit card

When narrowing down your credit card options, using a tool like CardMatch can be a useful way to see your pool of viable candidates based on your credit profile. If you’re trying to figure out whether a Wells Fargo card is right for your lifestyle, see below to see some of the types of people who do – and don’t – fit Wells’ offers.

Who should get a Wells Fargo card

  • Everyday rewards seekers: Wells Fargo has a couple of options perfect for someone on the hunt for consistent cash back rewards on every purchase. The Wells Fargo Active Cash can get cardholders unlimited 2% cash rewards on eligible purchases, making for a simple and worthwhile rewards structure. A slightly less flexible option, the Wells Fargo Cash Wise Visa gets cardholders a competitive 1.5% cash rewards on all purchases, but there’s some restrictions when it comes to redemption.
  • Debt solvers: Someone looking to combat a debt problem has a no-brainer option with Wells Fargo: the Platinum card. You’ll get 18 months of 0% intro APR on both purchases and balance transfers (then 16.49% to 24.49% variable APR after) – a full year-and-a-half to set up a budget and payment plan to clear yourself from debt.
  • Mobile-savvy cardholders: Shoppers who often use mobile wallets like Google Pay and Apple Pay may be interested in the Cash Wise Visa’s welcome offer. You can get 1.8% cash rewards on all purchases made through the mobile wallets in your first 12 months and have a little more of a leash when redeeming cash back through your phone.

Who should skip a Wells Fargo card

  • Travelers: Wells Fargo rewards their cardholders, but none of their cards are geared to help anyone save on vacations or take trips in luxury. Frequent flyers and on-the-go business people should look to add hotel credit cards, airline options and other travel cards to their itinerary.
  • Category chasers: Someone who spends a lot of money in one category, whether it be at the grocery store, at restaurants, at the pump or any other particular spot should look to get rewarded. Gas credit cards, airline cards and cards that get extra points and cash back at supermarkets can earn you a bit extra.

What credit score is needed for Wells Fargo credit cards?

Featuring options with strong widespread rewards and extended 0% intro APR windows, Wells Fargo’s credit cards require at least a good credit score (in the 670 – 739 range) to be approved. It’s best practice to see if you prequalify with Wells Fargo to avoid a hard inquiry on your credit report and to get a good idea of whether you’d be approved or not. For those who aren’t yet in the credit range to obtain one of their options, there are routes you can take with other credit cards to build your credit score for more possibilities. Secured cards, student cards and cards for bad credit can be essentials on the journey to carrying high-end cards.

Wells Fargo Go Far® Rewards program

When swiping on an eligible purchase with your Wells Fargo credit card, you’ll earn Go Far® Rewards points. These come in handy when you have a big trip planned or even when making daily purchases at your local Starbucks; your rewards can be redeemed for flights, hotels, gift cards and more.

The program is unique because both Wells Fargo’s cash back and points credit cards will earn Go Far® Rewards, however, the redemption options can change from card to card. Here’s how the Wells Fargo Go Far® Rewards program works.

Which credit cards earn Go Far® Rewards?

Wells Fargo offers several credit cards with the ability to earn Go Far® Rewards points. You’ll have to consider each option’s affordability and how it fits your lifestyle, but any of the following provide access to easy earning opportunities:

Wells Fargo Cash Wise Visa® card

You’ll earn unlimited 1.5% cash rewards on purchases and a $150 intro bonus after spending $500 in the first 3 months, plus no annual fee. If that’s not welcoming enough, you’ll also earn 1.8% cash rewards on digital wallet purchases in your first year. Rewards will appear in your account as Go Far® Rewards points, but you’ll only be able to redeem for cash.

Wells Fargo Visa Signature® Card

This card offers the ability to earn 5X points on up to $12,500 spent on gas, grocery and drugstore purchases for the first six months and 1X points on other purchases. Additionally, your points will receive a 50% boost in value when redeeming for airfare and you won’t face paying an annual fee.

Wells Fargo Rewards® Card

Similar to the Wells Fargo Visa Signature, the Wells Fargo Rewards Card also earns 5X points on up to $12,500 spent on gas, grocery and drugstore purchases for the first six months and 1X points on other purchases. While you can avoid an annual fee, this card doesn’t offer a value boost to points.

Wells Fargo Cash Back College℠ Card

A top student credit card thanks to its rewards offerings, this option earns 3% cash rewards for up to $2,500 spent on gas, grocery, and drugstore purchases for the first six months, plus 1% cash back rewards on virtually all other purchases and no annual fee. Rewards will register as Go Far® Rewards points and are only redeemable for cash.

Best redemption options with Wells Fargo Rewards program

Earning Go Far® Rewards

The Go Far® Rewards from Wells Fargo allow you to earn by shopping, booking travel and taking advantage of special offers. Oftentimes card issuers allow points-earning through partnerships with third parties, but Wells Fargo is a little more particular in their ways to earn:

  • Using an eligible Wells Fargo credit card. When you can, capitalize on your card’s bonus categories and use as much credit as you’re comfortable with to maximize earning potential. Gas, groceries, travel and most other purchases in between will help accumulate points.
  • Shopping through the Earn More Mall® site. A place where your earnings can reach new heights, Wells Fargo’s online shopping portal can earn you anywhere from 2X to 10X points on purchases. Before doing any miscellaneous online shopping, take a look here first.

Redeeming Go Far® Rewards

Your Go Far® Rewards can be redeemed for a variety of different things, including travel options, merchandise, online exclusives and more. Cash back, statement credits and travel perks offer the best value, but taking a glimpse at the options might lead you elsewhere:

  • Cash back. Request a check in the mail ($25 increments) or withdraw earnings from a Wells Fargo ATM ($20 increments).
  • Statement credit. Redeem your earnings in increments of $25 by applying them directly to your credit card balance.
  • Travel. Flights, hotels, rental cars and more can be booked through the Go Far® Rewards travel site.
  • Gift cards. Purchase digital or physical gift cards by redeeming points for 1 cent each.
  • Merchandise. Enter the Go Far® Rewards online auction to bid on merchandise using your points. You can also purchase items through the Earn More Mall.
  • Digital downloads. Purchase music, e-books and more using your points. Be aware that prices vary and it’s likely you’ll get less than 1 cent of value per point this way.
  • Send a gift. You can send anyone with any type of Wells Fargo account a gift of cash using your points. Points can transfer to friends and family if they have access to Go Far® Rewards and you even have the option to gift points to charity.

Value of Go Far® Rewards

As long as you have an open Wells Fargo account, the value of your points won’t expire. When it comes to pure value, Go Far® Rewards points are worth:

  • 1 cent per point for most redemptions
  • 1.5 cents per point when redeeming for airfare with the Wells Fargo Visa Signature
  • 1.75 cents per point when redeeming for airfare with the Wells Fargo Visa Signature (after spending at least $50,000 on purchases in a year)

Although Go Far® Rewards generally have a fixed value, Wells Fargo encourages loyalty with some unique features and experiences. For example, when browsing the Earn More Mall, shoppers can add items to a wish list and be notified when you’ve saved enough points for a redemption. Go Far Rewards also offers an online auction featuring merchandise you can bid on using points.

When comparing to other rewards programs, Go Far® Rewards are a bit different. Unlike Chase Ultimate Rewards or American Express Membership Rewards, points aren’t transferable to airline loyalty programs. This is often the best way to increase the value of rewards points, putting Go Far® Rewards at an immediate disadvantage. You do have the opportunity to boost their value to 1.75 cents apiece, but unless you’re willing to spend $50k in a year while only earning 1X points on most of your purchases, you’ll get 1.5 cents per point of value, max.

All in all, Go Far® Rewards points are competitive from a value standpoint but limited in their flexibility. Check out our Go Far® Rewards guide for further information.

Other benefits of having Wells Fargo cards

From the famous cell phone protection to auto rental collision damage waivers, the Wells Fargo cards offer respectable benefits. Here’s a list of some of the often-seen perks of Wells Fargo cards:

  • Zero liability protection and 24/7 fraud monitoring to protect against unauthorized transactions
  • Chip technology for added security
  • Rapid Alerts can be used to track purchases and get notified when there’s suspicious activity
  • Cell phone protection will help protect your mobile device from covered damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (a deductible applies)
  • With an auto rental collision damage waiver, you’ll get auto coverage for damage due to collision or theft
  • Emergency card replacement and cash disbursement are available by calling the number on the back of your card when you need an emergency cash advance or a replacement card delivered
  • Overdraft protection to ensure that you’re not harshly penalized when accidentally charging too much
  • Use My Money Map to create a budget and manage your spending
  • Free access to your FICO score to track your progress
  • Roadside dispatch and travel accident insurance to help whenever you’re in a bind with your vehicle
  • Travel and emergency assistance services to assist when you may need them the most

Additional information on Wells Fargo credit cards

For more information on all things Wells Fargo credit cards, continue reading content from our credit card experts:


About the Author

Joey Robinson

Joey Robinson

Upon graduating with a Bachelor’s degree concentrated in Finance, Joey worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor.

About the Editor

Tracy Stewart

Tracy Stewart

Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.

About the Reviewer

Nouri Zarrugh

Nouri Zarrugh

Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate.com, focusing on product news, guides and reviews. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score.

Sours: https://www.creditcards.com/wells-fargo/

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