The 5 best Wells Fargo cards of August 2022: Earn points on rent, get cash rewards, or qualify for an extra long 0% intro APR

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Terms apply to offers listed on this page. Read our editorial standards.

Wells Fargo doesn't have a huge variety of cards to choose from, but they're definitely still worth looking into. Each Wells Fargo card has its own unique list of rewards and benefits that suit a variety of different customers.

From cards that earn you stamps toward a free hotel night, to being able to earn unlimited points on select bonus categories like dining and transit, to one of the longest 0% APR offers on the market, there's a Wells Fargo card for just about everyone. 

Here's a guide to picking the best Wells Fargo credit card for you.

We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Best for flat-rate cash rewards: Wells Fargo Active Cash® Card

Best if you pay rent: Bilt Mastercard®

Best for paying down debt: Wells Fargo Reflect® Card

Best for hotel bookings: Hotels.com®️ Rewards Visa®️ Credit Card

Best for unlimited cash rewards: Wells Fargo Autograph℠ Card

Compare the best Wells Fargo cards

Wells Fargo Active Cash card

Why the Active Cash card is worth it: The Wells Fargo Active Cash® Card earns 2% cash rewards on purchases — one of the best flat cash rewards rates of any no-annual-fee card.

Welcome bonus offer: New cardholders can earn a Wells Fargo Active Cash® Card.

The Wells Fargo Active Cash® Card offers a simple 2% cash rewards on purchases. The welcome bonus offer is decent for a no-annual-fee card, and there are no rotating categories, no quarterly activations, no category limitations, and no earning caps. 

The Wells Fargo Active Cash® Card is part of the Wells Fargo Rewards program so you can redeem rewards as statement credits (to a Wells Fargo Mortgage, loan, or credit product), on purchases charged to your credit (starting at $1), and as cash or gift cards. You can also redeem rewards toward travel bookings. 

The Wells Fargo Active Cash® Card has a Wells Fargo Active Cash® Card (then a Wells Fargo Active Cash® Card APR). Although the Wells Fargo Reflect® Card has a longer intro APR offer, this is still a solid deal. 

Another great feature is cell phone protection coverage if your phone is damaged or stolen. It's worth up $600 per claim, with a $25 deductible (maximum of two claims every year). Other benefits include Visa Signature concierge (24/7 concierge service), travel emergency cash disbursement and card replacement, roadside dispatch, and access to the Visa Signature Luxury hotel collection. 

Review: Wells Fargo Active Cash card review

Wells Fargo Bilt Mastercard

Why the Bilt Mastercard is worth it: The Bilt Mastercard® lets you earn points when you pay rent with no additional fees, no annual fee, and you can transfer points to excellent airline and hotel partners. 

Welcome bonus offer: N/A

If you're looking to earn rewards on rent payments, the Bilt Mastercard® is the best (and only) card that allows you to earn points when you pay your rent, with no additional fees. Bilt can send a check, or make a direct bank transfer to your landlord to avoid the transaction fee.

You earn 1 point per dollar spent on rental payments up to $50,000 a year for no annual fee. You can also earn 2x points on travel bookings, 3x points on dining, and 1x points on all other purchases. However, you have to make at least five transactions per statement to receive any earned points.

The Bilt Mastercard® lets you earn 25,000 points when you refer five friends/family members (capped at 1 million bonus points). Interestingly enough, you don't even have to use the Bilt Mastercard® for referrals. Instead, you just use the app to "Invite" people. 

Other than the Bilt Mastercard® annual fee, the most notable benefit of the Bilt Mastercard® is that cardholders can transfer points to a great selection of airlines and hotels partnered with Bilt Rewards. Your other options for redeeming rewards are using points toward a down payment or mortgage, on fitness classes (like Soul Cycle, Rumble, and Y7), or on merchandise (through the Bilt app). 

Review: Wells Fargo Bilt Mastercard Review

Wells Fargo Reflect card

Why the Reflect card is worth it: The Wells Fargo Reflect® Card has an exceptionally long introductory APR offer which makes it a great choice for those trying to pay down debt or other large purchases.

Welcome bonus offer: N/A

It's true that the Wells Fargo Reflect® Card doesn't earn cardholders rewards or any sort of welcome bonus offer, but it's a great option for folks paying down debt. It offers a Wells Fargo Reflect® Card (then a Wells Fargo Reflect® Card). 

The Wells Fargo Reflect® Card intro APR rate is rare and one of the best out there. Although there are other cards that offer good intro APR as well as earning rewards on spending, the Wells Fargo Reflect® Card's intro APR offer is significantly longer than most. In order to qualify for the intro APR on balance transfers, you have to make the transfer within the first 120 days of account opening. 

The card comes only with a few perks, the most notable being cell phone protection. You can get up to $600 of cell protection (with the $25 dollar deductible), but you have to pay your monthly phone bill in order to receive this benefit. When you use your Wells Fargo Reflect® Card you also get roadside dispatch and zero liability protection. 

If you're considering applying for the Wells Fargo Reflect® Card, be mindful of when the intro APR bonus runs out. The regular APR is a Wells Fargo Reflect® Card. Because the intro APR bonus is the most rewarding aspect of the card, it's not a good choice for spending in the long term. But remember that the card has a Wells Fargo Reflect® Card annual fee so it won't cost you anything to keep it. 

Review: Wells Fargo Reflect card review

Hotels.com credit card

Why the Hotels.com Rewards Visa card is worth it: The Hotels.com®️ Rewards Visa®️ Credit Card gets you access to thousands of properties at a discounted price. Plus, you'll receive a decent intro APR and get the chance to earn a significant welcome bonus offer for no annual fee. 

Welcome bonus offer: For a limited time, when you open the Hotels.com®️ Rewards Visa®️ Credit Card you can earn Hotels.com®️ Rewards Visa®️ Credit Card. 

The no-annual-fee Hotels.com®️ Rewards Visa®️ Credit Card is a good card for folks looking to find discounted hotels, apartments, and home rentals all while earning stamps towards reward nights (10 stamps = 1 reward night), and you can earn a pretty good welcome bonus. The Hotels.com loyalty programs earn 1 stamp for every $500 spent even if you don't have the Hotels.com®️ Rewards Visa®️ Credit Card. 

One of the best features of this card is that you automatically receive Hotels.com Silver status upon card approval, earning you additional benefits such as free airport transfers, free breakfast, free internet access, and access to even more perks at select VIP properties. Keep in mind, however, that the Hotels.com Silver status program is not available at all hotel locations. 

The other benefits you'll receive with the Hotels.com®️ Rewards Visa®️ Credit Card are cell phone protection (up to $600 of protection and subject to a $25 deductible), no foreign transaction fees, zero liability protection, and trip cancellation and interruption insurance (if your card was used to purchase non-refundable passenger fare that is interrupted or canceled).  

Review: Wells Fargo Hotels.com Rewards Visa card review

Wells Fargo Autograph card

Why the Autograph card is worth it: The no-annual-fee Wells Fargo Autograph℠ Card earns cardholders unlimited 3x points on select bonus categories with a sizable welcome bonus offer and a decent intro APR. 

Welcome bonus offer: You can earn Wells Fargo Autograph℠ Card.

If you're looking for a no-annual-fee card you should check out the Wells Fargo Autograph℠ Card. The card earns you unlimited rewards in a wide variety of bonus categories, as well as the opportunity to earn a significant welcome bonus offer. With the Wells Fargo Autograph℠ Card you'll earn 3x points on dining, travel, gas, transit, select streaming services, and on phone plans (all other purchases earn 1x points). The card also has Wells Fargo Autograph℠ Card (then a Wells Fargo Autograph℠ Card APR).

You can redeem points for travel (such as flights, car rentals, and hotel stays), as gift cards, and as purchases (starting at $1). Also, you can use your points to pay through PayPal. 

The Wells Fargo Autograph℠ Card gets decent benefits like cell phone protection, auto rental collision damage waiver, travel and emergency assistance, roadside dispatch, zero liability protection, and emergency cash disbursement and card replacement. You'll also get Visa Signature privileges like 24/7 concierge service and access to the Luxury Hotel Collection.

You'll probably only benefit from the Wells Fargo Autograph℠ Card if your expenses match the 3x bonus categories. Otherwise, you'll only earn 1x points on other purchases so you're better off looking at other no-annual-fee cards that better match your preferred spending categories. 

Review: Wells Fargo Autograph card review

Wells Fargo credit card frequently asked questions (FAQ)

Is Wells Fargo no longer offering credit cards?

Wells Fargo is still offering credit cards. Although Wells Fargo did retire most of its legacy cards (such as the Wells Fargo Propel American Express® card), a new generation of products has recently been released with some of the same characteristics as the retired cards. The newest releases from Wells Fargo are the Bilt Mastercard®, Wells Fargo Reflect® Card, Wells Fargo Autograph℠ Card, and Wells Fargo Active Cash® Card.

How do you qualify for a Wells Fargo card?

You need good to excellent credit to qualify for a Wells Fargo card (FICO classifies a good credit score to be between 670 to 739). If you need to build your credit score, using your card responsibly, and making on-time payments can help. Check out our list of best starter cards, as well as read about the best ways to be responsible with your credit. 

How many Wells Fargo cards can I have? 

Wells Fargo does not limit the number of cards you can have at one time. Although, you might not qualify for another card if you've opened one in the last six months. 

Does Wells Fargo have a secured card?

As of December 2019, the Wells Fargo Secured Card was no longer accepting applications. There do not seem to be any plans for reopening the card. Other banks that offer secured cards are Capital One, Citi, Discover, and Bank of America. Read our guide to the best credit cards for bad credit for the top options.

How do you apply for a Wells Fargo card?

You can apply for a Wells Fargo card on the Wells Fargo website or in person at a Wells Fargo branch.