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Credit Cards

Here are the best Wells Fargo credit cards for earning cash back and paying off debt—all with no annual fee

Select analyzed the pros and cons of Wells Fargo credit cards using an average American's annual spending budget to find the best based on your consumer habits.

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Wells Fargo offers credit cards that can benefit cardholders who want to earn rewards, finance purchases or consolidate debt and benefit from unique perks, such as cell phone protection.

And currently, all of the Wells Fargo credit cards mentioned below have no annual fee.

Select reviews the top Wells Fargo credit cards in the below categories, so you can choose the best card based on your spending habits. (See our methodology below for more information on our selections.)

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Best Wells Fargo credit cards

Best cash-rewards card

Wells Fargo Active Cash℠ Card

On Wells Fargo's secure site
  • Rewards

    Unlimited 2% cash rewards on purchases

  • Welcome bonus

    $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

  • Annual fee

    $0

  • Intro APR

    0% APR on purchases and qualifying balance transfers for the first 15 months from account opening

  • Regular APR

    14.99% to 24.99% Variable APR on purchases and balance transfers

  • Balance transfer fee

    Introductory fee of 3% ($5 minimum) for 120 days from account opening, then up to 5% ($5 minimum)

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

See rates and fees and our methodology, terms apply.

Pros

  • Unlimited cash rewards
  • $200 cash rewards welcome bonus
  • No annual fee
  • Introductory APR period for first 15 months
  • Access to Visa Signature Concierge
  • Get up to $600 cell phone protection

Cons

  • 3% fee charged on foreign transactions

Who's this for? If simple cash rewards is what you're looking for, the Wells Fargo Active Cash Card has you covered with unlimited 2% cash rewards on all eligible purchases. This is the highest flat cash-rewards rate available among Wells Fargo credit cards, and it can certainly add up to great earnings on your spending.

The cash-rewards program is straightforward and simple, so you don't have to worry about tracking bonus categories or activating each quarter.

Plus, new cardholders of the Wells Fargo Active Cash Card can currently earn a $200 cash rewards welcome bonus when they spend $1,000 in purchases in their first three months from account opening.

This card provides a 15-month introductory interest-free period on purchases and qualifying balance transfers from account opening (after, 14.99% - 24.99% variable APR) so that you can finance a large buy or have more time to pay off your credit card debt without accruing additional interest.

Best balance transfer card

Wells Fargo Reflect℠ Card

On Wells Fargo's secure site
  • Rewards

    None

  • Welcome bonus

    None

  • Annual fee

    $0

  • Intro APR

    Introductory 0% APR on purchases and qualifying balance transfers for the first 18 months from account opening; extension of up to 3 months (totaling 21 months) with on-time minimum payments during the intro and extension periods

  • Regular APR

    12.99% to 24.99% variable APR on purchases and balance transfers

  • Balance transfer fee

    Introductory fee of 3% ($5 minimum) for 120 days from account opening, then up to 5% ($5 minimum)

  • Foreign transaction fee

    3%

  • Credit needed

    Excellent/Good

See rates and fees and our methodology, terms apply.

Pros

  • No annual fee
  • Long introductory APR period up to 21 months on purchases and qualifying balance transfers
  • 3% intro balance transfer fee ($5 minimum) for first 120 days
  • Access to Visa Signature Concierge
  • Get up to $600 cell phone protection
  • Access to Wells Fargo Deals to earn cash back in the form of a statement credit when shopping, dining

Cons

  • No rewards
  • No welcome bonus
  • 3% fee charged on foreign transactions

The Wells Fargo Reflect Card offers new cardholders one of the longest intro 0% APRs on the market: up to 21 months 0% APR intro period on new purchases and balance transfers from account opening (then 12.99% - 24.99% variable APR). The intro offer starts at 18 months, and cardholders who pay at least the minimum on time each month can get an extension of up to three months.

That gives cardholders nearly two years to chip away at their debt without incurring interest charges. That means more of your payments go toward your debt, versus debt plus interest on a card without a 0% APR period.

In order to qualify for the intro balance transfer period, you need to complete any transfers within 120 days from account opening. And transfers are subject to an introductory fee of 3% ($5 minimum) for 120 days, then 5% ($5 minimum).

This no-fee card doesn't offer any rewards, but it does offer cell phone protection up to $600 when you pay your monthly cell phone bill with the card. Claims will have a $25 deductible. Cardholders can also access My Wells Fargo Deals, an opt-in cash back program for specific retailers, giving cardholders discounts on purchases made with their Reflect card.

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Our methodology

To determine which credit cards offer the best value, Select analyzed Wells Fargo credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.

Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.

Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.