#1 for cash back
Wells Fargo Cash Wise Visa® card

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.
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Rewards Rate

Earn unlimited 1.5% cash rewards on purchases
1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening

At A Glance

Intro Bonus
$150 cash rewards

Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months

Annual Fee
Regular APR
14.49% - 24.99% variable
#1 for balance transfers
Wells Fargo Platinum card

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.
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Estimated Balance Transfer Savings

Savings based on a transfer amount of $2,500 at a current APR of 15%
Learn more about our calculations
Estimated Savings is a CreditCards.com calculation that is used to provide an example of how much you might save by transferring your balances to a new card after factoring in fees, length of promotional periods and interest charges. This amount is based on the transfer amount and does not assume rewards or purchases, since those will vary per individual.

Estimated savings are based on the following amounts: Transfer Amount: $2,500, Current APR: 15.00%, Monthly Repayment: $56.25, Savings Period: 24 mos., with the Intro Balance Transfer Period at the Intro Balance Transfer APR rate, plus any remaining months at the Regular APR.

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:

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information. Please note: The star-rating system on this page refers to reviews on the individual issuer’s website, rather than Creditcards.com reviews.

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

Comparing Wells Fargo Credit Card Offers

With a vibrant history and competitive financial products, Wells Fargo is among the banking leaders in the United States and world. This 166-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 today serve 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…

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.


  • 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.


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.

Best Wells Fargo Credit Cards at a Glance

Wells Fargo Propel American Express® card

  • Sign-up bonus of 20K points after spending $1,000 in the first 3 months (that is a $200 cash redemption value)
  • 3X points per dollar spent on travel, dining, and rideshare services
  • No annual fee and no foreign transaction fee

Realistically speaking, this is far and away the best credit card offered by Wells Fargo in terms of pure value and arguably the best travel credit card with no annual fee. While the Cash Wise offers a very respectable sign-up bonus, the Propel’s own bonus offer upstages it by a substantial margin. Likewise for rewards, where the Propel’s 3X points per dollar in extremely attractive categories is simply in a league of its own. Unlike the other two Wells Fargo cards, the Propel charges no foreign transaction fee, making it the clear choice for travel abroad.

Wells Fargo Cash Wise Visa® card

  • Get up to $600 protection on your cellphone (with a $25 deductible) against covered damage or theft when you pay your monthly cellphone bill with your card
  • Earn 1.5% cash rewards on purchases without paying an annual fee
  • 0% intro APR for 15 months on purchases and qualifying balance transfers then 14.49%-24.99% (Variable)

The Cash Wise offers the added advantage of 1.8% cash rewards on qualified digital wallet purchases, such as through Apple Pay® and Google Pay™, during the first 12 months after opening your account. Another earning opportunity, cardholders will receive $150 after spending $500 in their first 3 months.

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 Propel American Express® card

The Propel earns 3X points on dining, travel, gas stations and popular streaming services, plus 1X points on other purchases. Also, this card features no annual fee and will reward you with 20,000 bonus points after spending $1,000 on purchases in the first 3 months.

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. It does come with no annual fee, however 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.

Wells Fargo rewards program and best redemption options

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, in addition to 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 cellphone protection to auto rental collision damage waivers, the Wells Fargo cards offer respectable benefits. Here are what the Cash Wise and Platinum cards offer.

Wells Fargo Cash Wise Visa

With the Cash Wise, you can get 24/7 fraud monitoring; zero liability protection, which protects you from unauthorized transactions when you report them promptly; chip technology; and Rapid Alerts to track purchases and receive notifications of irregular or suspicious activity.

Also, you’ll get:

  • Cellphone protection can help protect your cellphone from damage or theft when you pay your monthly cellphone bill with your eligible Wells Fargo card.
  • With auto rental collision damage waiver, you get auto coverage for damage due to collision or theft.
  • You also get emergency card replacement and cash disbursement by calling the number on the back of your card when you need an emergency cash advance or a replacement card delivered to you.

Wells Fargo Platinum

This card offers such features as zero liability protection, overdraft protection, Rapid Alerts, and My Money Map, which you can use to manage spending and create a budget. You also have access to your free FICO score. Additionally, this card comes with:

  • Auto rental collision damage waiver
  • Roadside dispatch
  • Travel accident insurance
  • Travel and emergency assistance services
  • Cellphone protection

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura’s work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.