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Best Wells Fargo Credit Cards of December 2023

Review Updated
Lyle Daly
Natasha Etzel
By: Lyle Daly and Natasha Etzel

Our Credit Cards Experts

Nathan Alderman
Check IconFact Checked Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

If you're looking for a high-value credit card that doesn’t add to your expenses with an annual fee, Wells Fargo has you covered. The card issuer's lineup includes great options for earning rewards and financing expenses at a 0% intro APR -- it all depends on what you need. To help you find what you're looking for, we've picked out the best Wells Fargo credit cards with the top perks.

Award Icon 2023 Award Winner

Great for: No annual fee card with robust rewards

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

LIMITED-TIME OFFER!

30,000 point welcome bonus ($300 cash redemption value). You must select "Apply Now" to take advantage of this specific offer.
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR on purchases for 12 months from account opening

Purchases: 0% intro APR, 12 months from account opening

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards Circle with letter I in it. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

1X-3X points

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value.

30,000 bonus points

  • This card immediately moves to the top of our rankings for no annual fee rewards cards thanks to its excellent welcome bonus, earn unlimited 3x points on a variety of categories, and cellphone protection. Read Full Review

    • Strong welcome bonus for a no annual fee card
    • Earn Unlimited 3x points on useful categories
    • Cellphone protection
    • Other cards offer larger bonuses, though they usually come with annual fees
    • The 1x points baseline rewards rate on other purchases, though normal for this type of card, can be beat
    • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
    • Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 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. 20.24%, 25.24%, or 29.99% 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.
Award Icon 2023 Award Winner

Great for: Unlimited cash rewards

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Regular APR

20.24%, 25.24%, or 29.99% Variable APR

Rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

  • A standout cash back card that has no annual fee and comes with a competitive cash rewards welcome offer and 0% intro APR offer. Read Full Review

    • Unlimited 2% cash rewards
    • Long 0% intro APR offer
    • Generous cash rewards welcome bonus
    • No annual fee
    • Cellphone protections
    • Card perks
    • Free FICO? Score updates
    • No bonus categories
    • Foreign transaction fees
    • Balance transfer fee
    • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
    • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
    • Earn unlimited 2% cash rewards on purchases.
    • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% 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.

Great for: 0% intro APR offer

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR

18.24%, 24.74%, or 29.99% Variable APR

Rewards

N/A

Annual Fee

$0

  • A clear leader with a 0% intro APR offer that is among the longest we've come across. Read Full Review

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free FICO? Score
    • Balance transfer fee
    • Foreign transaction fee
    • Select “Apply Now” to take advantage of this specific 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. 18.24%, 24.74%, or 29.99% 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.

Wells Fargo hasn't always been the best issuer regarding credit card perks. In the past, consumers found the card issuer's benefits lacking. However, with the introduction of several valuable rewards cards, Wells Fargo has made it clear it's ready to compete with some of the best credit cards we've seen. But before you start filling out a credit card application, read everything you need to know about Wells Fargo cards in this guide.

What is Wells Fargo?

Wells Fargo is one of the largest banks in the United States and the world. As such, it offers many financial services, including:

As a credit card issuer, Wells Fargo focuses on quality over quantity. It has a smaller lineup of cards than many big credit card companies. But the cards it offers are all high quality and competitive with the leaders in their respective card categories (cash back, 0% intro APR offers, student credit cards, etc.).

READ MORE: Check out our Wells Fargo bank review to learn more about the range of accounts and services it offers.

What are the top perks of a Wells Fargo credit card?

The biggest perks of the best Wells Fargo credit cards are that they don't charge annual fees, and they all have valuable features that can save you money or help you reach your personal finance goals.

For example, if you want to earn rewards, Wells Fargo's rewards cards have excellent rewards rates and welcome offers. Need a 0% intro APR? Multiple Wells Fargo cards have lengthy 0% intro APR offers on purchases and balance transfers. If you're a college student looking to establish credit, you can find a Wells Fargo card for that as well.

READ MORE: Review our list of the best credit cards for students.

What could be improved about Wells Fargo?

Wells Fargo has plenty of room for improvement regarding travel perks. Several other card issuers have impressive lineups of travel rewards cards. These cards earn points you can use to book trips and include benefits to improve your travels. Unfortunately, Wells Fargo is lacking in this area.

Some Wells Fargo cards let you use your points at a fixed cash rate to purchase travel, but that's about it. Wells Fargo doesn't have airline or hotel partners to which you can transfer rewards to score high-value redemptions. And it doesn't have cards offering top travel perks, such as spending credits or airport lounge access.

READ MORE: Not sure which credit card is right for you? Learn how to choose a credit card in four easy steps.

Who should get a Wells Fargo card?

With the current lineup of the best Wells Fargo credit cards, you could benefit from one of its cards in any of the following situations:

  • You're interested in earning credit card rewards on your purchases. In particular, Wells Fargo has some of the top cash back cards of any card issuer.
  • You have credit card debt. Moving that debt to a Wells Fargo balance transfer card allows you to consolidate and pay it off interest-free during the 0% intro APR period. Note that your debt will start accumulating interest again if you can't pay it off within the intro timeframe.
  • You need to make one or more expensive purchases, but you don't have the money saved to pay in full. A Wells Fargo card with a 0% intro APR on purchases gives you time to make those purchases now and repay them without incurring credit card interest (if you pay everything off within the intro period).
  • You're a college student and want a card you can use to build credit while earning cash back.

LEARN MORE: Here's what you need to know about the Wells Fargo credit card application rules before you apply.

And, of course, if you're interested only in no annual fee credit cards, you can safely pick any option from Wells Fargo.

The Picks
Card Rating Great For
Award Icon 2023 Award Winner
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

No annual fee card with robust rewards

Award Icon 2023 Award Winner
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

Unlimited cash rewards

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Great For:

0% intro APR offer

FAQs

  • Wells Fargo is one of the largest banks in the United States and the world. As such, it offers many financial services, including checking accounts, savings accounts, mortgages, credit cards, investment accounts, and wealth planning.

  • The most notable perks of Wells Fargo credit cards are that they don't charge annual fees and have valuable features that can save you money or help you reach your financial goals.

  • Wells Fargo has plenty of room for improvement when it comes to travel perks. Several other card issuers have impressive lineups of travel rewards cards. These cards earn points you can use to book trips and include benefits to improve your travels. Unfortunately, Wells Fargo is lacking in this area.

Our Credit Cards Experts

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