Best Wells Fargo Credit Cards

The Bilt World Elite Mastercard allows customers to earn points on rent — something few cards on the market do. It also comes with a solid rewards system for people that travel and no foreign transaction fee.

Rewards

• 1x points on rent payments (up to 100,000 points per year)
• 2x points on travel booked directly with the vendor
• 3x points on dining
• 1x points on all other purchases

The card also comes with a few added bonuses:

• Cell phone insurance
• Purchase protection
• Mastercard World Elite Concierge — a 24/7 personal assistant-like service
• Doordash and Lyft credits

Pros

• Earn rewards on rent payments
• No annual fee
• A variety of transfer partners
• No foreign transaction fees, making it ideal for travel

Cons

• No welcome bonus

To earn points, you must make at least five transactions per statement period.

The Wells Fargo Active Cash Card offers a simple, flat-rate 2% cash back on all purchases, making it easy to use and understand. It also comes with an optional 0% APR for 15 months, including for balance transfers, making it a strong card option. There is, however, a balance transfer fee of up to 5%.

Rewards: Unlimited 2% cash back on all purchases.

The card also comes with a few added bonuses:

• Up to $600 of cell phone protection
• Visa Signature Concierge

Pros

• No annual fee
• Simple cash back system
• Welcome bonus

Cons

• 3% foreign transaction fee

To earn the $200 welcome bonus, you must spend at least $500 in the first three months after opening the account.

The Wells Fargo Autograph Card is a good option for people who don’t want to track or remember rewards categories. The card offers unlimited 3x points on common shopping categories, like restaurants, travel, and gas.

It does, however, have a balance transfer fee, so it isn’t ideal for that.

Rewards

• Unlimited 3x points on restaurants, travel, gas, transit, streaming services, and phone plans
• 1x points on everything else
• The card also comes with a few added bonuses:
• Visa Signature Concierge
• Up to $600 of cell phone protection

Pros

• No annual fee
• No foreign transaction fee
• Solid rewards system

Cons

• Balance transfer fee

To earn the welcome bonus, you’ll need to spend $1,000 within the first three months of opening the account.

The Wells Fargo Business Elite Signature card is ideal for companies with a high monthly spend, or those with employees in various parts of the world. The one downside is the annual fee of $125, although it is waived during the first year.

Rewards

• Unlimited 1.5% cash back on every $1 spent or 1 point per $1 spent
• Receive $5,000 bonus points when your business spends over $10,000 in any monthly billing period

Pros

• Annual fee is waived for the first year
• Up to 200 free employee cards
• No foreign transaction fees

Cons

• $125 annual fee after the first year
• Some competing cards offer stronger rewards
• Cash back is credited quarterly, not monthly

To earn the $1,000 welcome bonus, you’ll need to spend $25,000 within the first three months of opening the account. While the welcome bonus amount is higher than some competitors, so is the required spend.

The Wells Fargo Business Platinum Credit Card is ideal for its cash back. Earning a flat, 1.5% cash back on every $1 spent makes it easy to keep track of.

However, their rewards system is choose-your-own-adventure-style. If you opt for the other option, you might not see as much value.

Rewards

This card allows you to choose your rewards structure from the following options:

• Cash Back Option: Earn 1.5% cash back on every $1 spent
• Reward Points Option: Earn 1 point per $1 spend and receive 1,000 bonus points when your company spends $1,000 or more during any monthly billing cycle
• While the Cash Back Option is strong, the Rewards Points Option isn’t as compelling. For example, during a billing cycle where you spend $2,000, you’d earn the following on each option:
  Cash Back Option: $30 cash back
  Reward Points Option: 2,000 points + 1,000 point bonus (equal to $30)
• Where you’d see more value is if you’re spending just over $1,000 per month. For example, a $1,001 spend month, you’d earn 2,001 points (1,001 points + 1000 point bonus). On the Cash Back Option, you’d only receive $15 cash back.

Pros

• No annual fee
• Up to 99 free employee cards
• Welcome bonus

Cons

• Confusing rewards structure
• Doesn’t offer many extra perks

To receive the 30,000 point welcome bonus, worth $300 cash back, you must enroll in the Business Card Rewards Program and spend $3,000 in the first three months of opening the account.

The Wells Fargo Reflect Card is ideal for balance transfers because of its introductory APR offer. However, it doesn’t offer rewards. While it’s perfect for balance transfers, it isn’t a card worth using otherwise.

Rewards: While the card doesn’t come with a rewards program, it does come with a few extra perks:

• Up to $600 in cell phone protection
• Access to personalized deals through the My Wells Fargo Deals portal

Pros

• No annual fee
• 0% intro APR offer for 21 months

Cons

• No rewards
• 3% foreign transaction fee
• 5% fee on balance transfers
• No welcome bonus

This card offers a 21-month 0% intro APR, which is longer than most competitors.