Wells Fargo credit cards are a great option if you’re looking for a low APR and simple cash-back rewards. Most of the cards in the bank’s lineup offer 0% introductory APRs on balance transfers and purchases. That’s a huge help if you’re trying to pay down credit card debt or looking to finance a large purchase. Wells Fargo credit cards also offer decent cash-back options without the hassle of rotating categories. And, of course, if you already bank with Wells Fargo, it makes life easier to have all your accounts in one place.

That said, not every Wells Fargo credit card will make sense for you; the best card will depend on your spending habits. Run your regular spending through the CardCruncher tool to make sure the card you’re eyeing is the best one for you. Read on to find out about Wells Fargo’s credit card lineup and whether one of its cards is right for you.

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Best Wells Fargo credit cards of 2019

Each of Wells Fargo’s credit cards offers different features: Some have long 0% APR periods, some offer bonus rewards categories, and some offer no rewards at all. Here’s a brief breakdown on the best card for a bunch of different purposes:

What rewards and perks do Wells Fargo cards offer?

Wells Fargo cards offer a bunch of perks; most commonly, 0% introductory APR periods, zero liability protection and up to $600 in cell phone protection. Many of its cards also offer rewards—either in cash-back redemptions or for booking travel.

Other Wells Fargo credit card benefits include:

  • Bonus rewards for certain spending categories
  • Free access to your FICO credit score
  • Travel accident insurance and emergency assistance services

Specific perks differ from card to card, so check the fine print to see what’s on offer.

How many credit cards can you have with Wells Fargo?

There are no limits as to how many cards you have open with Wells Fargo. In fact, sometimes it makes sense to have more than one card. However, you are subject to limitations. For example, if you have a low credit score, your only choice may be the Wells Fargo Secured Credit Card.

There may be restrictions for bonus offers and introductory APRs if you open more than one card, too. For instance, if you open a Wells Fargo card within 15 months of your last one, you may not be eligible for a sign-up bonus. Refer to an individual card’s terms and conditions to be sure you’re getting the best features and rewards.

Why would I want to use Wells Fargo’s 0% introductory APR offer?

You might consider opening a card with a 0% introductory APR if you want to pay down high-interest credit card debt, or are planning to make a large purchase in the near future. A 0% APR period you can save money on interest payments, provided you pay your statements on time and pay off the full amount by the end of that period.

Depending on your credit limit, you can transfer some or all of an existing credit card balance to a Wells Fargo credit card with a 0% introductory APR so you no longer have to pay a high interest rate. Or, for a large purchase, you have a few months to pay it off interest free, which can save you from needing a personal loan.

What happens when I transfer a balance to a 0% APR Wells Fargo card?

Keep in mind you may need to pay a small fee to transfer a balance from another credit card. Wells Fargo typically charges 3% of the balance or $5, whichever is greater. Do some calculations to see if a balance transfer will save you money. If it costs more for a balance transfer than it does to pay interest on your existing credit card, then it’s probably not worth it.

You’ll also want to pay back your entire balance before the 0% APR period ends. Once this period ends, your APR will go up, and you’ll start accruing interest. If you’re unsure if you can pay back your entire balance in time, check the standard APR to see if it’s worth transferring a balance or racking up a huge purchase. You can fall into a debt trap if the standard APR is high.

Let’s say you transfer a $5,000 balance within the first 120 days of account opening. Wells Fargo will charge you 3% of the total amount; in this case, that’s $150. If the fee is significantly less than what you’d pay in interest on your current card, and you can pay off the balance before the 0% introductory period ends, you should consider a balance transfer.

Which Wells Fargo credit card is best for me?

There’s no single best credit card for everyone. Finding the right Wells Fargo credit card depends on your preferences, including your spending habits, credit score and the types of rewards you want. Take a look at how these cards stack up against one another:

CardAnnual feeAPRSign-up bonusRewards
Wells Fargo Cash Back College Visa® Card$013.40% to 23.40% Variable$01% cash back on all purchases.
Wells Fargo Cash Wise Visa® Card$00% for 15 months, then 15.49%-27.49% (Variable)$150 when you spend $500 in the first 3 monthsUnlimited 1.5% cash rewards on all purchases.
Wells Fargo Platinum Visa® Card$00% for 18 months, then 13.49% to 26.99% Variable$0No rewards.
Wells Fargo Propel American Express® Card$00% for 12 months, then 15.49%-27.49% (Variable)30,000 points when you spend $3,000 in the first 3 monthsUnlimited 3X points on
dining; gas, rideshares and transit; flights, hotels, homestays and car rentals; and popular streaming services.
Wells Fargo Rewards® Card$00% for 15 months, then 14.74% to 27.74% Variable5X points on gas, groceries and drugstore purchases for 6 months1X points on all purchases.
Wells Fargo Secured Credit Card$2521.24% Variable$0No rewards.
Wells Fargo Visa Signature® Card$00% for 15 months, then 14.74% to 27.74% Variable5x points for 6 months on up to $12,500 spent on drugstore, gas and grocery store purchases1X points on all purchases, and 50% more value when redeemed for airfare.

For example, if you plan on making a large purchase in the next few months, the Wells Fargo Platinum Visa® card makes the most sense. It has the best APR, at 0% for 18 months, then 13.49% to 26.99% Variable. That gives you plenty of time to pay off your purchase without racking up interest (assuming you’re making on-time payments).

Where you spend money is also important. If you’re going to use a card occasionally, but aren’t sure if you’ll spend a lot in a certain category, the Wells Fargo Cash Wise Visa offers 1.5% cash back on everything. On the other hand, the Wells Fargo Propel American Express offers 3X points on a handful of common categories. Otherwise, most of Wells Fargo’s cards offer 1% cash back, if they offer rewards. That’s not great compared to similar cash-back cards—even ones without annual fees.

Before choosing a card, make sure to weigh all the features and benefits carefully so you can pick one that’s best suited for your needs. The CardCruncher tool can help you figure out which card will give you the best rewards, based on how you spend.

Do points from Wells Fargo cards expire?

Some cards have expiration dates for points earned through the Go Rewards program. Both the Wells Fargo Rewards and Wells Fargo Visa Signature cards give you up to five years to use your points, whereas the Wells Fargo Propel American Express card doesn’t impose an expiration date. Cash-back rewards, like those on the Wells Fargo Cash Back College card, don’t’t have such restrictions.

Do I have to be a Wells Fargo customer to apply for a card?

In most cases you don’t need to be an existing Wells Fargo customer to apply for any of the Wells Fargo credit cards. Some cards, like the Wells Fargo Secured Credit Card, require that you have a checking or savings account with the bank. It’s best to check all requirements before applying for a card.

Are there any fees on Wells Fargo credit cards?

Most Wells Fargo credit cards don’t charge an annual fee, except for the Wells Fargo Secured Credit Card. Most do charge a foreign transaction fee, which equates to a percentage of every purchase made outside the U.S. It’s a good idea to check before you travel overseas so you don’t pay unnecessary fees.

Charges and fees can vary from card to card, but here are a few common fees you’ll find on Wells Fargo credit cards:

  • Late fee: Up to $37.
  • Balance transfer fee: 3% of the total amount or $5, whichever is greater, for the first 120 days of account opening. Afterwards, 5% of the total amount or $5 minimum, whichever is greater.
  • Returned payment fee: Up to $37.
  • Cash advance fee: 5% of the total amount or $10, whichever is greater.

What if I have no credit, can I apply for Wells Fargo credit cards?

You can qualify for certain Wells Fargo credit cards if you have bad credit, but your options are limited. Many of the credit cards that earn rewards require good to excellent credit. Wells Fargo could deny your application if you have a low credit score or no credit history at all.

If you’re a college student, the Wells Fargo Cash Back College Visa Card is an excellent choice. You can build your credit and earn cash-back rewards at the same time. The annual fee is $0 and if you spend $1,000 within the first three months, you can earn a sign-up bonus of $0, too.

For non-students, the Wells Fargo Secured Credit Card is open anyone looking to establish credit history. You’ll need to put down a security deposit—think of it as collateral for opening your credit card—that’s equivalent to your line of credit.

Once you’ve established positive credit history by using your card and making on-time payments, you can request that Wells Fargo transition to another card. Only U.S. citizens and permanent residents qualify, and approval depends on a variety of factors, such as your credit history and financial obligations.

Where’s the nearest Wells Fargo location?

You don’t need to show up at a branch to apply for Wells Fargo credit cards. You can apply online, and typically receive a decision within seconds of completion. However, if you want to apply at a branch—whether it’s to open a checking or savings account to qualify for the secured credit card, or you prefer to complete transactions in person—Wells Fargo has more than 5,700 branches across the U.S. Head to the bank’s ATM and Bank Locations page and enter your ZIP code to find the location nearest you.

Wells Fargo credit cards details

Wells Fargo Cash Back College Visa Card

Wells Fargo Student Credit Card

Wells Fargo Student Credit Card

  • Annual Fee: $0
  • APR: 13.40% to 23.40% Variable
  • Bonus:$0
  • Pro: Offers college students the opportunity to build credit history.
  • Con: Earns only 1% cash back outside bonus window.

Wells Fargo Cash Wise Visa® Card

  • Annual Fee: $0
  • APR: 0% for 15 months, then 15.49%-27.49% (Variable)
  • Bonus: $150 when you spend $500 in the first 3 months
  • Pro: Earn unlimited 1.5% cash rewards on all purchases, and 1.8% cash back when using a qualified mobile wallet in the first 12 months of account opening.
  • Con: No bonus categories.

Wells Fargo Platinum Visa Card

Wells Fargo Platinum Credit Card

Wells Fargo Platinum Credit Card

  • Annual Fee: $0
  • APR: 0% for 18 months, then 13.49% to 26.99% Variable
  • Bonus: $0
  • Pro: Offers the longest possible 0% APR period out of the Wells Fargo credit cards.
  • Con: No rewards or cash-back earning opportunities.

Wells Fargo Propel American Express Card

Wells Fargo Propel

Wells Fargo Propel

  • Annual Fee: $0
  • APR: 0% for 12 months, then 15.49%-27.49% (Variable)
  • Bonus: 30,000 points when you spend $3,000 in the first 3 months
  • Pro: $0 annual fee and most generous rewards earnings of any Wells Fargo credit card.
  • Con: Points aren’t worth much compared to points you could earn at comparable rates on non-Wells Fargo credit cards.

Wells Fargo Rewards Card

Wells Fargo Rewards Card

Wells Fargo Rewards Card

  • Annual Fee: $0
  • APR: 0% for 15 months, then 14.74% to 27.74% Variable
  • Bonus: 5X points on gas, groceries and drugstore purchases for 6 months
  • Pro: Low introductory APR and flexible reward options.
  • Con: Points expire in five years.

Wells Fargo Secured Credit Card

  • Annual Fee: $25
  • APR: 21.24% Variable
  • Bonus: $0
  • Security deposit: $300 minimum, up to $10,000
  • Upgrade to unsecured: Only U.S. citizens and permanent residents can upgrade, depending on creditworthiness.
  • Pro: High credit line, provided you have the means to provide the security deposit.
  • Con: You’ll have to pay an annual fee and a security deposit.

Wells Fargo Visa Signature Card

Wells Fargo Visa Signature Card

Wells Fargo Visa Signature Card

  • Annual Fee: $0
  • APR: 0% for 15 months, then 14.74% to 27.74% Variable
  • Bonus: 5x points for 6 months on up to $12,500 spent on drugstore, gas and grocery store purchases
  • Pro: Unlock 50% more value by redeeming points for airfare through the Go Far Rewards portal.
  • Con: Points expire in 5 years.

Final thoughts on Wells Fargo credit cards

Wells Fargo credit cards aren’t the best for travel-related perks, such as maximizing points through travel partners, but they do offer some useful features.

For one, their extensive 0% introductory APR periods are great for balance transfers and financing large purchases. You can also earn rewards on a lot of the cards with 0% intro APR periods, which you won’t find on many other 0% APR cards on the market. That means you get short-term and long-term value from the same card.

Still, when it comes to ongoing rewards rates, you can likely do better than what you’ll find on most Wells Fargo credit cards. Check out our Best Rewards Cards, or our Best Cash-Back Cards to see if you can find something better.

Before signing on the dotted line for any Wells Fargo credit card, carefully consider all your options, and be sure to compare cards with the CardCruncher tool. That way, you’ll find the best card for you—whether it’s a Wells Fargo credit card or not.

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