Wells Fargo has revamped its credit card lineup with competitive offerings including flat-rate cash back, category rewards, and balance transfer options. Their cards offer solid value without requiring a banking relationship.

Wells Fargo Overview

Wells Fargo is one of the largest U.S. banks with an extensive branch network. Their credit cards are available to non-customers and offer straightforward rewards programs.

Cash Back Cards

Wells Fargo Active Cash Card

A top-tier flat-rate cash back card:

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  • Annual fee: $0
  • Sign-up bonus: $200 after spending $500 in first 3 months
  • Earning rates: 2% unlimited cash back on all purchases
  • Key benefits: No categories to track, cell phone protection, 0% intro APR for 12 months

Best for: Those wanting simple, high cash back without tracking categories.

Travel Rewards Cards

Wells Fargo Autograph Card

Category-based rewards for common spending:

  • Annual fee: $0
  • Sign-up bonus: 20,000 points after spending $1,000 in first 3 months
  • Earning rates: 3x on restaurants, travel, gas, transit, popular streaming, and phone plans; 1x everywhere else
  • Key benefits: No foreign transaction fees, cell phone protection

Wells Fargo Autograph Journey

Enhanced travel card with more benefits:

  • Annual fee: $95
  • Earning rates: 5x on hotels, 4x on airlines and rental cars, 3x on dining, 1x everywhere else
  • Key benefits: $50 annual travel credit, airport lounge access (4 visits/year), Priority Pass, Global Entry/TSA PreCheck credit

Balance Transfer Card

Wells Fargo Reflect Card

Designed for transferring and paying down debt:

  • Annual fee: $0
  • Intro APR: 0% for 21 months on purchases and balance transfers
  • Key benefits: One of the longest 0% periods available, cell phone protection

Best for: Those consolidating high-interest debt. See our debt payoff strategies guide.

Business Cards

Wells Fargo Business Platinum

  • Annual fee: $0
  • Intro APR: 0% for 9 months
  • Features: Basic business card for building credit, no rewards

Wells Fargo Signify Business Cash Card

  • Annual fee: $0
  • Earning: 2% unlimited cash back on all purchases

Secured Card

Wells Fargo Secured Credit Card

  • Annual fee: $0
  • Deposit: $300-$10,000
  • Features: Automatic review for graduation after 6 months

Wells Fargo Rewards Program

Points earned on Autograph cards can be redeemed for:

  • Travel bookings through Wells Fargo
  • Statement credits
  • Gift cards
  • Amazon purchases

Key Benefits Across Cards

Cell Phone Protection

Many Wells Fargo cards include cell phone protection when you pay your bill with the card—coverage up to $600 for damage or theft.

Zero Liability Protection

Not responsible for unauthorized transactions.

My Wells Fargo Deals

Cash back offers at select merchants similar to competing programs.

Application Considerations

  • No strict application rules like Chase 5/24
  • Cards available to non-Wells Fargo customers
  • Bonus eligibility typically requires not having received a bonus on same product in past 15 months

Who Should Get Wells Fargo Cards?

  • Simple cash back seekers: Active Cash 2% rivals the best flat-rate cards
  • Debt consolidators: Reflect offers exceptional 0% APR period
  • Category spenders: Autograph covers many common spending categories at 3x
  • Travelers without premium card needs: Autograph Journey offers solid value at $95

Wells Fargo cards work well alongside credit-building strategies and responsible budgeting.