Best for everyday cash rewards
Wells Fargo Active Cash℠ Card
Our rating:3.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Rewards rate

2%
Earn unlimited 2% cash rewards on purchases

At A Glance

Intro bonus
$200 cash rewards New! Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
Annual fee
$0
Regular APR
14.99% - 24.99% variable
BEST FOR BALANCE TRANSFERS
Wells Fargo Platinum card
Our rating:4.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Estimated balance transfer savings

$373
Savings over 24 months based on a transfer of $2,500 at a current APR of 15%
Learn more about our calculations This amount is the estimated savings over 24 months following a $2,500 balance transfer, compared to keeping the balance on a credit card with a 15% APR. The estimate includes the new card’s balance transfer fee and balance transfer intro period and assumes payments of $56.25/mo during the 24-month period.

After the intro period, remaining months assume the average APR in the card’s disclosed range. This estimate is a CreditCards.com calculation used for educational purposes and is not a guarantee of savings.

At A Glance

Intro balance transfer APR
0% intro APR for 18 months on qualifying balance transfers
Intro balance transfer period
0% intro APR for 18 months on qualifying balance transfers
Regular balance transfer APR
16.49% - 24.49% variable
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Learn to maximize your Wells Fargo credit card

Looking for tips, news, and in-depth analysis on Wells Fargo credit cards? Explore the following related articles:


All information about the Wells Fargo Visa Signature Card, the Wells Fargo Rewards Card, the Wells Fargo Cash Wise Visa® card and the Wells Fargo Cash Back College Card have been collected independently by CreditCards.com and has not been reviewed by the issuer.

Best Wells Fargo Credit Cards at a Glance

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.

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:

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: