5 Best Wells Fargo Credit Cards of November 2026
There are many great credit card options from the major banks in the U.S. — and that’s why we’ve compiled a list of the best Wells Fargo credit cards for you. Whether you want to earn cash-back rewards or more flexible points to cover your trips, Wells Fargo has a lot to offer. You can even earn points on rent, one of the biggest expenses for many Americans.
If you’re looking for a new credit card, consider adding one of these top cards from our partner Wells Fargo to your wallet today.
- Wells Fargo Autograph® Card: Best for travelers
- Wells Fargo Autograph Journey® Card: Best for unlimited point earning
- Wells Fargo Active Cash® Card: Best for simple cash rewards
- Wells Fargo Reflect® Card: Best for balance transfers
- Wells Fargo Signify Business Cash® Card: Best for no annual fee business spending and flat rate rewards
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Comparing the best Wells Fargo cards
at Wells Fargo's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. |
| 1X | Earn 1X points on other purchases |
The Wells Fargo Autograph offers 3 points per dollar on multiple bonus categories, including travel, gas stations, restaurants, takeout and more. The card also features a 20,000-point welcome bonus (valued at $200) if you spend $1,000 within the first three months of account opening. In addition to the Autograph’s lucrative earning structure, the card also features Visa Signature benefits, up to $600 cellphone protection against damage or theft (subject to a $25 deductible) and no annual fee. Read our full review of the Wells Fargo Autograph.
Pros
- Lucrative earning structure
- Welcome bonus
- No annual fee
Cons
- Fixed-value rewards
- Limited benefits and perks
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74%, or 28.74% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
at Wells Fargo's secure site
Terms & restrictions apply. See rates & fees.
| 5X | Earn 5X points with hotels |
| 4X | Earn 4X points with airlines |
| 3X | Earn 3X points on restaurants and other travel |
| 1X | Earn 1X points on other purchases |
The Wells Fargo Autograph Journey credit card offers healthy reward earning rates on top of uncapped point-earning meaning the sky's the limit — especially if you strategize and spend in popular categories.
Pros
- No foreign transaction fees
- Uncapped earning potential
- $50 annual statement credit
- Solid point earning rates in popular categories
Cons
- This card features an annual fee
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
- Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
- $95 annual fee.
- Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
- Earn a $50 annual statement credit with $50 minimum airline purchase.
- Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
at Wells Fargo's secure site
Terms & restrictions apply. See rates & fees.
| 2% | Earn unlimited 2% cash rewards on purchases |
The Wells Fargo Active Cash card is a great option for simple cash rewards. With the Active Cash’s flat 2% cash rewards on purchases, you won’t have to worry about maximizing your spending. It can also be a great addition to your wallet if you are looking to fill in the earning gaps of more specialized cards. As a Visa Signature® card, the Active Cash also provides benefits like cellphone protection and Visa’s Luxury Hotel Collection. Read our full review of the Wells Fargo Active Cash.
Pros
- No annual fee
- Flat-rate cash rewards
- Up to $600 cellphone protection against damage or theft (subject to a $25 deductible)
- Welcome bonus
Cons
- No bonus categories
- Fixed-value rewards
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.74%, 24.74%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
at Wells Fargo's secure site
Terms & restrictions apply. See rates & fees.
The Wells Fargo Reflect is a good option for cardholders who are looking to consolidate their debt or finance a large purchase. The card offers a 0% introductory annual percentage rate on purchases and qualifying balance transfers made within the first 120 days for 21 months from account opening (then a variable APR of 17.74%, 24.24%, or 28.49% applies). While the card does not feature a rewards program, it offers no annual fee and even includes cellphone protection. Read our full review of the Wells Fargo Reflect.
Pros
- No annual fee
- Long introductory APR offer on purchases and qualifying balance transfers.
- Up to $600 cellphone protection against damage or theft (subject to a $25 deductible)
Cons
- No welcome bonus
- No points or cash rewards
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.74%, 24.24%, or 28.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
- $0 annual fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Best for no annual fee business spending and flat rate rewards
at Wells Fargo's secure site
Terms & restrictions apply. See rates & fees.
| 2% | Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories. |
The Wells Fargo Signify Business Cash® Card is a solid option for businesses seeking a no-annual-fee card that earns a flat reward rate, eliminating the need to track bonus spend categories.
Pros
- Complimentary Priority Pass membership
- Flat 2% cash reward rate eliminates the need to track bonus categories
- Ability to add employee cards at no additional cost
- Uncapped cash reward rate
- Offers a welcome bonus
Cons
- Welcome bonus requires relatively high spend threshold
- Priority Pass lounges incur a "pay as you go" fee
- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
- Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
- 0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.99%-24.99%.
- $0 annual fee.
- Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
- Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
- Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.
Comparing the best Wells Fargo cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
at Wells Fargo's secure site | travelers | 20,000 bonus points Open Intro bonus Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. | 1 - 3X points Open Rewards rates
| $0 | ||||||||
at Wells Fargo's secure site | unlimited point earning | 60,000 bonus points Open Intro bonus Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip. | 1 - 5X points Open Rewards rates
| $95 | ||||||||
at Wells Fargo's secure site | simple cash rewards | $100 cash rewards Open Intro bonus Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Open Rewards rates
| $0 | ||||||||
at Wells Fargo's secure site | balance transfers | no offer | N/A | $0 | ||||||||
at Wells Fargo's secure site | no annual fee business spending and flat rate rewards | Earn a $500 cash rewards bonus Open Intro bonus Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months. | 2% cash-back Open Rewards rates
| $0 |
How we rate cards
How to choose the best Wells Fargo card
- You don’t need a card with an annual fee to start earning on your spending today. Most of our Wells Fargo credit cards do not feature an annual fee.1Annual fee
- Some of our best Wells Fargo cards earn a modest welcome bonus and require a relatively low spend. This can be a great option if you are not a big spender.2Welcome bonus
- Most of our best Wells Fargo cards can help you earn rewards in categories like dining, travel and more.3Bonus categories
Pros + cons of Wells Fargo credit cards
Pros
- Wells Fargo credit cards can earn you cash back or travel rewards on every purchase you make.
- Some Wells Fargo credit cards provide cellphone protection and other coverage.
- Many Wells Fargo cards provide bonus rewards on select purchases.
Cons
- Using a Wells Fargo card irresponsibly and spending beyond your means can incur high interest charges and damage your credit score.
- Wells Fargo doesn’t have its own transferable rewards program, limiting the value of your redemption options.
- The cost of borrowing on a Wells Fargo credit card is very high if you don’t pay your balance in full every month.
Frequently asked questions
A credit limit is the maximum amount you can utilize on your credit card. Card issuers will naturally increase your credit limit with time, especially if you follow these guidelines. But if you want to increase your credit limit now, you can request a credit limit increase by calling Wells Fargo at 1-800-642-4720.
Just be sure to inquire as to whether doing so will result in a hard inquiry on your credit report. If so, it’s generally a good idea to not go forward with the request.
The best Wells Fargo credit card is a card that best fits your needs and spending habits. There is no right answer for everyone.
While all Wells Fargo credit cards can be a great option for beginners, the Wells Fargo Active Cash® Card might be the simplest and best choice for a credit card beginner. With flat-rate earnings on all purchases and straightforward redemption options, it is a solid pick for your first Wells Fargo credit card.
Wells Fargo does not have a hard limit on the number of Wells Fargo credit cards you can have. However, that’s not an opening to go crazy with applications. The standard rules about not applying for too many cards in too short of a time period applies.