The best Wells Fargo credit cards offer consumers attractive features, including introductory interest rates, no annual fees, and one-time bonuses. Many also provide competitive cashback reward points or other benefits. Wells Fargo offers rewards for customers, small business owners, and students interested in various reward-earning and redeeming methods through credit cards for several market sectors. This article analyzed the most well-liked business and consumer credit cards Wells Fargo offers.

Wells Fargo Active Cash Card

Pros

• $0 annual fee
• 2% cash back on purchases
• The benefit of cell phone protection

Cons

• Charges balance transfer fees.
• A foreign transaction fee is charged.
• No travel partners

The Wells Fargo Active Cash has no annual fee and gives an unlimited 2% cash back rewards rate on purchases. This puts it among the best flat-rate cash-back credit cards currently available.

• After making $1,000 in purchases within the first three months, get a $200 cash reward bonus. 
• Get 2% cash rewards on transactions
• Balance transfers made within 120 days are eligible for the introductory rate and charge of 3%, then 5% balance transfer fee, with a minimum fee of $5. 
• 0% introductory APR on transactions and qualifying balance transfers for 15 months from account activation, then a 19.49%, 29.49%, or 24.49% variable APR
• $0 annual fee
• No categories to keep track of or learn, and cash rewards expire once your account is open. 
• Take advantage of Visa Signature Concierge's premium advantages at some of the world's most exciting and prestigious hotel destinations.
• Click "Apply Now" to learn more about the product's specifications, terms, and conditions.

Wells Fargo Business Platinum Credit Card

Pros

• No annual fee
• Purchases and balance transfers are eligible for an introductory offer.

Cons

• The structure of rewards can be difficult to optimize.
• Several significant additional advantages

Wells Fargo Business Platinum Credit Card, the best business card from Wells Fargo, is a fantastic choice for business owners who value simplicity over complexity. It offers no annual fee structure and the same introductory cashback as the consumer Cash Wise card. A business can add up to 99 more employee cards without cost to earn more cash back on purchases. 

• When you sign up for the Business Platinum Card Rewards Program and pay $3,000 during the first three months of your account opening, you will receive 30,000 bonus points or one-time $300 cash back.
• Get 1.5% cash back on every $1 you spend with the cashback option.
• No mandatory spending category or caps
• Zero Liability Program: If you promptly report illegal purchases or ATM withdrawals with your Business Platinum Credit Card, you will receive full reimbursement.

Wells Fargo Autograph Card

Pros

• $0 foreign transaction fees
• No annual fees
• Introductory APR period
• Offers travel insurance and cell phone insurance
• Unlimited cashback rewards

Cons

• No low introductory APR for a balance transfer 
• 5% maximum; $5 minimum balance transfer fee

The Wells Fargo Autograph, the best wells Fargo credit card for travel, is a strong credit card with no annual fee. It offers 3 points for every dollar spent at various retailers, including dining places, travel agencies, petrol stations, public transportation, and well-known streaming services.

• Get unlimited 3X reward points on purchases like dining out, travel, gas, public transportation, phone plans, and famous streaming services to rack up the points truly.
• Receive 20,000 additional points after spending $1,000 in the first three months, worth $200 in cash. Get 1X reward points on additional purchases as well.
• No annual fee
• APR on purchases will be 0% for the first 12 months after account opening. Afterward, a variable APR of 19.49%, 29.49%, or 24.49% will apply.
• When you pay your monthly cellphone bill with an eligible Wells Fargo credit card, you'll receive up to $600 in loss or theft protection for your phone.
• You can exchange reward points for gift cards, statement credits, or travel. Alternatively, you can shop at thousands of online retailers and use PayPal to redeem your rewards.
• With Visa Signature Concierge, take advantage of a premium range of advantages at some of the world's most fascinating and prominent hotel properties.

How can you get a credit card from Wells Fargo?

Although applying for a Wells Fargo credit card is simple, acceptance is usually based on having excellent or good credit. Once you've gathered the essential data, which involves your Social Security Number, full legal name, address, information about your salary, and more, you may apply via the company's website in a relatively short time.

In addition, Wells Fargo provides a preselection tool. If Wells Fargo has access to your information via a credit bureau or if you are an existing customer, you might receive mail offers. While acceptance is not assured, preselection and preapproval are similar in that, they provide you with a better sense of your chances for approval.

Bottom Line

A limited number of credit cards from Wells Fargo have no annual fees, and most have cashback rewards programs or introductory APRs. The bank only offers a few cards, but most are premium rewards cards; thus, successful applications require good or excellent credit. A Wells Fargo credit card may be a good choice, particularly if you're an existing consumer.