Learn to maximize your Wells Fargo credit card

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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.

All information about Wells Fargo Cards and Citi Simplicity® 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?
  • Best Wells Fargo Credit Cards at a Glance
  • Wells Fargo rewards program and best redemption options
  • Other benefits of having Wells Fargo cards

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. Offered are 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 cell phone bill with your card
  • No annual fee
  • 0% intro APR for 15 months on purchases and qualifying balance transfers (then 13.99% – 25.99% variable)

The Cash Wise offers the added advantage of 1.8% back on qualified digital wallet purchases, such as through Apple Pay® and Google Pay™, during the first 12 months after opening your account.

Wells Fargo Platinum card

  • Get up to $600 protection on your cellphone (with a $25 deductible) against covered damage or theft when you pay your monthly cell phone bill with your card
  • No annual fee
  • Free access to FICO score

The Platinum card boasts one of the most generous 0% APR offers on the market, hands down, all with no annual fee. With an 18-month 0% intro APR for both purchases and qualifying balance transfers (then 15.49% – 24.99% variable rate will apply), this card is tough to beat. And its more reasonable intro balance transfer fee of 3% ($5 minimum) for 120 days makes it a wise choice for higher transfers (after that, it’s 5% for each balance transfer, minimum of $5). Keep in mind that you have to perform balance transfers within 120 days in order to enjoy the intro rates and fees. Here’s a comparison of the Platinum with the Citi Simplicity® Card, assuming the BT and purchases would otherwise have 17% APR with a minimum payment:

Wells Fargo Platinum vs. Citi Simplicity®

CardWells Fargo Platinum cardCiti Simplicity® Card
BT balance$3,000 / 0% 18 mths***$3,000 / 0% 21 mths
Interest saved on BT$2,241$2,614
Purchase balance$1,000 / 0% 18 mths***$1,000 / 0% 12 mths
Interest saved on purchases$451$301
BT fee$3,000 * 3% = $90$3,000 * 5% = $150
Money saved end of first year$2,241 + $451 – 90 = $2,602$2,614 + $301 – $150 = $2,765

***Then 14.74%-24.74% variable thereafter

Wells Fargo rewards program and best redemption options

Whether you have a big trip planned or you are making daily purchases at your local Starbucks, you can earn rewards that can be redeemed for that next trip, gift cards and more. Here’s how the Wells Fargo Go Far Rewards program works.

Go Far Rewards

The Go Far Rewards from Wells Fargo allow you to earn by shopping, booking travel and taking advantage of special offers.

Through the Earn More Mall, you can shop with retailers and earn up to 10X bonus rewards on purchases you make. You can also book travel, earning rewards when you book through the Go Far Rewards site with your Wells Fargo rewards card.

You can redeem your rewards for travel, a gift card, merchandise or download music and eBooks from Digital Downloads.

You can also share rewards with family, friends and others who are Wells Fargo customers. You can also give your rewards to charity.

Cash Wise rewards

Cash rewards do not expire as long as your account remains open. You can use Cash Track, a new online tool to set a cash redemption target and follow your cash rewards earnings progress.

Cash redemption options include:

  • Use your Wells Fargo debit or ATM card to redeem for cash at Wells Fargo ATMs ($20 increments).
  • Direct deposit into your Wells Fargo savings or checking account.
  • Apply as a credit to your qualified Wells Fargo mortgage principal balance.

You can redeem via desktop, mobile, phone, ATM, or in a branch, although cash redemption options available may vary.

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. Also, with this card, you’ll get:

  • 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.