Wells Fargo Bank Credit Card Reviews, Rules & Opinions

Wells Fargo is a bank with credit card offerings for consumers and business owners. MoneyGeek broke down the best Wells Fargo credit cards to help you know more about this credit card provider.

Last Updated: 4/8/2022
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Wells Fargo’s credit card lineup isn’t as large as other providers. It only advertises three consumer credit cards and three business credit cards, offering cash back, rewards and introductory perks such as 0% APR. In addition, it has a co-branded card with Hotels.com that’s suitable for folks who frequently book hotel rooms.

Generally, consumers need good to excellent credit scores to apply for a Wells Fargo credit card. We recommend a credit score of 670 or higher to ensure approval.

Featured Credit Cards Offered by Wells Fargo Bank

Despite its limited offering, Wells Fargo has solid credit cards that accommodate the needs of most people. All their consumer cards have a $0 annual fee, and most of them offer welcome bonuses.

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OTHER CARDS ISSUED BY WELLS FARGO BANK

Wells Fargo also offers the following credit cards:

  • Wells Fargo Business Platinum Credit Card: For business owners who want to earn cash back rewards and points with their purchases.
  • Wells Fargo Business Secured Credit Card: For new businesses that are just establishing their credit or businesses with past credit challenges.
  • Wells Fargo Business Elite Signature Card: For large enterprises seeking to provide credit cards for their employees.

The Best Wells Fargo Bank Credit Cards for March 2022

MoneyGeek picked the best Wells Fargo credit cards based on reward categories, welcome bonuses and other card features.


  • Wells Fargo Active Cash Card

    A great no annual fee cash back card with a 0% APR offer


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 2% Cash BackRewards Rate
    • 2xRewards Rate on Gas
    • 2xRewards Rate on Groceries

    Terms, rates and fees apply

  • Wells Fargo Reflect Card

    A good no annual fee card with a lengthy 0% APR offer


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 18 monthsBalance Transfer Duration
    • 18 monthsAPR Offer Duration

Rules for Applying, Acceptance & Welcome Bonuses

When applying for a Wells Fargo credit card, you should understand their rules and processes in order to have the best chance for approval. MoneyGeek answered some frequently asked questions regarding Wells Fargo cards to help you with the application process.

Other Considerations About Wells Fargo Bank

If you’re looking for the best Wells Fargo credit card, take note of the factors below before deciding which card you should get.

  • Feature
    Description
  • Customer Service & Satisfaction

    Wells Fargo offers 24/7 customer service by calling their hotline. Most customers outside of the U.S. can call them free of charge using international access codes.

    However, according to the J.D. Power 2021 U.S. Credit Card Satisfaction Study, Wells Fargo ranks eight out of 11 national providers. They have a score of 791, which is slightly below the segment average of 809.

  • Mobile Apps & Online Services

    The Wells Fargo mobile app is available for both Google Play and Apple App Store. Similar to the issuer’s website, the app allows cardholders to view their accounts, make payments, activate and deactivate cards and manage rewards.

    Based on the J.D. Power 2021 U.S. Banking Mobile App Satisfaction Study, Wells Fargo scored below average, ranking sixth out of 11 providers. However, their app has a 4.8 out of 5 star rating on both app stores.

  • Security & Credit Monitoring Services

    Wells Fargo offers two-step verification, biometric sign-in, account alerts and other security features for their customers. They also provide access to Control Tower®, which allows users to view, manage and monitor their digital financial footprint from a single location.

    Wells Fargo cardholders can easily view their FICO credit scores through the provider’s app.

  • Loyalty Programs & Other Issuer Perks

    Wells Fargo Rewards is this issuer’s rewards program, and it allows eligible cardholders to earn points that can be redeemed as cash, gift card, statement credit and more. Its program does not have any airline or hotel transfer partners, so the value received is more like a cash back credit card.

  • Authorized Users

    Wells Fargo allows cardholders to add authorized users to their accounts. Cardholders can do this by accessing Wells Fargo’s website and providing the person’s name, address, date of birth and Social Security number.

    There are no fees when using this service. However, the primary cardholder can’t set a spending limit for their authorized users.

  • Purchase Protection

    Some Wells Fargo cards come with a purchase protection feature, covering the damage or theft of eligible purchases for up to 90 days. The issuer will reimburse up to $500 per item and up to $50,000 per cardholder.

    However, not all purchases are covered by Wells Fargo’s purchase protection feature.

  • Co-Branding & Partnerships

    Currently, Wells Fargo has a co-branded partnership with Hotels.com.

  • Other Products Offered

    Beyond credit cards, Wells Fargo offers a wide selection of financial products and services for all kinds of consumers. They have savings accounts, checking accounts, certificates of deposits, car loans, mortgages, refinance mortgages, managed investment portfolios, business loans, personal loans, student loans and more.

Overall Opinion of Wells Fargo Bank & Their Credit Card Offerings

Despite their limited lineup, Wells Fargo offers competitive credit cards for both individuals and business owners. Their $0 annual fee consumer cards cater to different kinds of spending habits. Additionally, their business cards generously reward spending while presenting entrepreneurs with the flexibility they need.

You may find Wells Fargo credit cards a fit for your needs if you are:

  • This is an icon

    Looking to earn rewards on everyday purchases

    With Wells Fargo credit cards, you can get unlimited cash back rewards without monitoring category limitations or quarterly activations. You can also access a cash bonus by meeting a spending threshold and benefit from cash back rewards on purchases with a $0 annual fee card.

  • This is an icon

    Looking to transfer credit card balance

    Wells Fargo cardholders can enjoy 0% APR for up to 21 months on balance transfers. They can also settle their existing credit card balance from other issuers with a $0 annual fee card.

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EXPERT OPINION

"While the Wells Fargo Active Cash Card offers an attractive unlimited 2% cash back on all purchases, many consumers could benefit even more from its Reflect Card, which offers up to 21 months of 0% APR financing on balance transfers. That's almost two years of no interest, which can help many consumers quickly pay off debt."

- Lee Huffman, credit card expert at BaldThoughts.com

Still Not Sure About This Issuer? Consider These Options.

There are different Wells Fargo credit cards to choose from depending on your needs. However, you need a good to excellent credit rating to qualify for this issuer. You may need to check other providers if you have bad credit or if you aren’t sure this is the right issuer for your needs.

Learn More About Credit Cards in General

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.