- Our picks
- How we picked the best Wells Fargo credit cards
- Sources
- About the author
- User questions & answers
- Expert opinions
Our Picks for the Best Wells Fargo Credit Cards
The best Wells Fargo credit card is the Wells Fargo Active Cash® Card because it has a $0 annual fee and an initial bonus of $200 cash rewards after spending $500 in the first 3 months. The Wells Fargo Active Cash card also offers 2% cash rewards on purchases, which is about double what the average card would give you.
Each Wells Fargo credit card has its merits. If you want a 0% intro APR, for example, the Reflect card is the way to go. It all depends on what you’re looking for. And for your convenience, we’ll recap the latest Wells Fargo credit card offers in the table below.
Best Wells Fargo Credit Cards Comparison
| Credit Card | Best For | Annual Fee | Minimum Credit Score | Rewards | Editor’s Rating |
| Wells Fargo Active Cash® Card | Overall | $0 | 700 | 2% cash rewards | 5/5 |
| Wells Fargo Reflect® Card | 0% Intro APR | $0 | 700 | N/A | 4.8/5 |
| Wells Fargo Autograph℠ Card | Travel | $0 | 700 | 3 points per $1 spent on restaurant, travel, gas, transit, streaming services and phone plans, as well as 1 point per $1 spent on other purchases | 4.4/5 |
| Choice Privileges® Select Mastercard® | Hotel Rewards | $95 | 700 | 10 points per $1 spent at Choice Hotels, 5 points per $1 spent at gas stations, grocery stores and home improvement stores, 5 points per $1 spent on phone plan services, and 1 point per $1 spent on all other purchases | 4.8/5 |
You can check your latest credit score for free on WalletHub to see if you’re likely to qualify for a Wells Fargo credit card.
How We Picked the Best Wells Fargo Credit Cards
WalletHub’s editors regularly compare all of the Wells Fargo credit card offers from our database of 1,500+ credit cards based on key WalletHub Rating components. This includes normal Wells Fargo-branded credit cards as well as credit cards issued by Wells Fargo but co-branded with another popular company. We then calculate how much the average cardholder is likely to save with each card over the first couple years of use, as well as how much each card may cost them. Expected savings/costs in turn lead us to the best Wells Fargo credit cards for cash back, travel rewards, low interest and more.
How Two-Year Cost Is Calculated
Two-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data for consumers and PEX data for businesses.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best Wells Fargo credit cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
