The Best Wells Fargo Credit Cards

Wells Fargo is a prominent financial institution headquartered in San Francisco, California. It is one of the largest banks in the United States, offering a wide range of banking and financial services. Wells Fargo provides services to individual customers, small businesses, and large corporations. These services include checking and savings accounts, mortgages, loans, credit cards, and investment products. The bank operates a vast network of branches and ATMs across the country, serving millions of customers.

The Best Credit Cards

  • Signify Business Cash℠: best for 2% unlimited cashback on all purchases and a generous welcome bonus.
  • Choice Privileges® Mastercard®: no-annual-fee card for Choice Hotel loyalists + sign-up bonus
  • One Key™: best no-annual-fee card for booking on Expedia, Hotels.com, and Vrbo.
  • Autograph℠: best no-annual-fee card for unlimited 3x points on travel, gas, and dining
  • Active Cash®: highest 2% flat rate unlimited cashback, 0% intro APR, plus welcome bonus
  • Choice Privileges® Select Mastercard® : best for Choice Hotel loyalists and 5x on gas, grocery, and home improvement
  • One Key+™: best low-fee card for booking on Expedia, Hotels.com, and Vrbo.
  • Bilt Mastercard®: best for paying rent without a transaction fee, dining, and travel benefits
  • Attune℠: best no-annual-fee card for unlimited 4% cashback on self-care, sports, entertainment, and eco-friendly purchases.
  • Reflect®: longest 0% APR intro period on purchases and balance transfers
  • Autograph Journey℠: best low-fee card for earning travel rewards and valuable benefits

Signify Business Cash℠

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Signify Business Cash℠
4.8

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

17.74% - 25.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.

2% Cashback

Welcome Offer Earn a $500 cash rewards bonus when you spend $5,000 on purchases in the first 3 months.

$500

  • Welcome offer: Earn a $500 cash rewards bonus when you spend $5,000 on purchases in the first 3 months.
  • Earn 2% unlimited cashback on purchases made for your business, with no categories to track or quarterly activations.
  • No annual fee.
  • Foreign transaction fees: 3% of each transaction converted to U.S. dollars.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Regular APR: After the introductory period, a variable APR of 17.74% – 25.74% applies to purchases.
  • Priority Pass™: Complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
  • Travel benefits: Mastercard Travel and Lifestyle Services, Mastercard Global Services, Mastercard Airport Concierge™, MasterRental Insurance Coverage, Baggage Delay Reimbursement, and $250,000 Worldwide Automatic Common Carrier Travel Accident Insurance.
  • Business Services: Mastercard Merchant Offers, Mastercard Business Assistant, and Mastercard Receipt Management.
  • Employee cards at no additional cost.
  • Flexibility to redeem your rewards: For a statement credit, gift cards, travel, and more.
  • Additional features: Zero liability protection, Mastercard ID Theft Protection™, account alerts, and digital wallets.
  • Click ‘Apply Now’ to see the full terms and conditions.
he Signify Business Cash℠ Card is an excellent choice for business owners, offering a standout 2% flat rate unlimited cashback on all purchases. Great additions include a generous welcome bonus, no annual fee, and a 0% intro APR for 12 months on purchases. Plus, this card offers extensive travel benefits and valuable business services, making it perfect for business owners looking to maximize their rewards on everyday purchases while enjoying premium travel benefits and financial flexibility.

Choice Privileges® Select Mastercard®

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Choice Privileges® Select Mastercard®
4.2

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 10x points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases. Earn 5x points at gas stations, grocery stores, home improvement stores and phone plan services. Earn 1x on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $3,000 in the first 3 months, which is enough to redeem for up to 7 reward nights at Choice Hotels®.

60,000 Points

  • Welcome Offer: Earn 60,000 bonus points after spending $3,000 in the first 3 months, which is enough to redeem for up to 7 reward nights at Choice Hotels®.
  • 10x Points: On stays at participating Choice Hotels® properties and on Choice Privileges point purchases.
  • 5x Points: At gas stations, grocery stores, home improvement stores and phone plan services.
  • 1x Points: On all other purchases.
  • Anniversary Bonus: Earn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
  • Automatic Platinum Elite Membership: Receive 20 Elite night credits each year, which qualifies you for Choice Platinum Elite status. Enjoy the perks of Elite Platinum Status and earn 25% bonus points every time you book a qualifying stay with Choice® hotels.
  • Annual Fee: $95.
  • Foreign Transaction Fees: None.
  • Redeem Points at Choice Privileges.
  • Global Entry®/TSA PreCheck®: Get up to $100 in Airport Security Statement Credits towards TSA PreCheck® or Global Entry Application fees every four years.
  • Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel Benefits: Include Global Service™, Concierge Service, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Mastercard Golf, Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Protection, Lost Baggage Reimbursement, and $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance.
  • Protection Benefits: Include Mastercard ID Theft Protection.
  • Regular APR: 20.24% - 29.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
Wells Fargo Choice Privileges® Mastercard® might be a good choice if you are staying at Choice Hotels frequently and want to earn points on your stays and everyday spending. Great additions are a welcome bonus, Choice Platinum Elite status, TSA PreCheck or Global Entry, and Mastercard Travel benefits.

Choice Privileges® Mastercard®

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Choice Privileges® Mastercard®
4.3

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases. Earn 3x points on gas stations, grocery stores, home improvement stores, and phone plan services. Earn 1x points on all other purchases.

1x - 5x Points

Welcome Offer Earn 40,000 bonus points after spending $1,000 in the first 3 months, which is enough to redeem for up to 5 nights at Choice Hotels®.

40,000 Points

  • Welcome Offer: Earn 40,000 bonus points after spending $1,000 in the first 3 months, which is enough to redeem for up to 5 nights at Choice Hotels®.
  • 5x Points: On stays at participating Choice Hotels® properties and on Choice Privileges point purchases.
  • 3x Points: On gas stations, grocery stores, home improvement stores, and phone plan services.
  • 1x Points: On all other purchases.
  • Automatic Gold Elite Membership: Receive 10 elite night credits each year, which qualifies you for Choice Gold Elite status. Enjoy the perks of Elite Gold Status and earn 10% bonus points every time you book a qualifying stay with Choice® hotels.
  • Annual Fee: None.
  • Foreign Transaction Fees: None.
  • Redeem Points: You can only redeem your points at Choice Privileges. Point redemptions may not be refundable.
  • Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel Benefits: Include Mastercard Global Service™, Concierge Service, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Mastercard Golf Travel Packages, Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Protection, Lost Baggage Reimbursement, and $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance.
  • Additional Benefits: Include the ID theft protection program.
  • Regular APR: 20.24% - 29.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
Wells Fargo Choice Privileges® Mastercard® might be a good choice if you are staying at Choice Hotels frequently and want to earn points on your stays without paying an annual fee. Great additions are a welcome bonus, Choice Gold Elite status, and Mastercard Travel benefits.

One Key+™

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One Key+™
4.1

Annual fee:
$99

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo. Earn 3% at gas stations, grocery stores, and on dining. Earn 2% on all other purchases.

2% - 3% OneKeyCash

Welcome Offer Earn a $400 in OneKeyCash™ after spending $3,000 in the first 3 months.

$400 in OneKeyCash™

  • Welcome Offer: Earn a $400 in OneKeyCash™ after spending $3,000 in the first 3 months.
  • Up to 9% OneKeyCash on Expedia and Hotels.com: Earn 3% in OneKeyCash on Expedia and Hotels.com from this card. Plus, when booking VIP Access properties on Expedia or Hotels.com: Silver members earn 3%, Gold members earn 4%, and Platinum members earn 6%.
  • Up to 5% OneKeyCash on Vrbo: Earn 3% in OneKeyCash on Vrbo. Plus, when booking US properties on Vrbo, members of all tiers earn 2%.
  • 3% OneKeyCash: Earn 3% at gas stations, grocery stores, and on dining.
  • 2% OneKeyCash: Earn 2% on all other purchases.
  • Annual fee: $99.
  • Foreign Transaction Fee: None.
  • Redeem OneKeyCash: Use OneKeyCash for flights, hotels, short-term rentals, car rentals, or to pay for the partial or full cost of a ‘Pay Now’ activity and insurance.
  • Automatic Gold Status: With Gold Member Prices, get savings of 20% or more on over 10,000 hotels worldwide. Unlock Platinum when you spend $30,000 per calendar year.
  • $100 Anniversary Bonus: Get $100 in OneKeyCash each year.
  • Global Entry®/TSA PreCheck®: Receive one statement credit up to $100 for Global Entry® or TSA PreCheck®.
  • Cell Phone Protection: Get up to $1,000 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel Benefits: Include Trip Cancellation and Interruption Protection, Auto Rental Collision Damage Waiver, Travel Accident Insurance, Mastercard Global Service™, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Concierge Service, and Mastercard Golf.
  • Additional Features: Include Mastercard ID Theft Protection™.
  • Regular APR: 19.49% - 29.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click Apply Now’ to see the full terms and conditions.
This new credit card from Wells Fargo is an excellent option for earning bonus rewards on Expedia, Hotels.com, and Vrbo, as well as on everyday expenses. It offers a generous welcome bonus, cell phone protection, and enhanced benefits such as a $100 anniversary bonus and TSA PreCheck application fee reimbursement, all for a $99 annual fee. This card is ideal for those who want additional perks and rewards for travel bookings and everyday spending, along with valuable protection and benefits.

One Key™

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One Key™
4.3

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo. Earn 3% at gas stations, grocery stores, and on dining. Earn 1.5% on all other purchases.

1.5% - 3% OneKeyCash

Welcome Offer Earn a $300 in OneKeyCash™ after spending $1,000 in the first 3 months.

$300 in OneKeyCash™

  • Welcome Offer: Earn a $300 in OneKeyCash™ after spending $1,000 in the first 3 months.
  • Up to 9% OneKeyCash on Expedia and Hotels.com: Earn 3% in OneKeyCash on Expedia and Hotels.com from this card. Plus, when booking VIP Access properties on Expedia or Hotels.com: Silver members earn 3%, Gold members earn 4%, and Platinum members earn 6%.
  • Up to 5% OneKeyCash on Vrbo: Earn 3% in OneKeyCash on Vrbo. Plus, when booking US properties on Vrbo, members of all tiers earn 2%.
  • 3% OneKeyCash: Earn 3% at gas stations, grocery stores, and on dining.
  • 1.5% OneKeyCash: Earn 1.5% on all other purchases.
  • Annual fee: None.
  • Foreign Transaction Fee: None.
  • Redeem OneKeyCash: Use OneKeyCash for flights, hotels, short-term rentals, car rentals, or to pay for the partial or full cost of a ‘Pay Now’ activity and insurance.
  • Automatic Silver Status: With Silver Member Prices, get savings of 15% or more on over 10,000 hotels worldwide. Unlock Gold when you spend $15,000 per calendar year.
  • Cell Phone Protection: Get up to $1,000 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel Benefits: Include Trip Cancellation and Interruption Protection, Auto Rental Collision Damage Waiver, Travel Accident Insurance, Mastercard Global Service™, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Concierge Service, and Mastercard Golf.
  • Additional Features: Include Mastercard ID Theft Protection™.
  • Regular APR: 19.49% - 29.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
This new credit card from Wells Fargo is a great choice for earning bonus rewards on Expedia, Hotels.com, and Vrbo, as well as on everyday expenses. It offers a generous welcome bonus, cell phone protection, and a range of travel benefits and perks, all with no annual fee. This card is ideal for those who frequently book travel accommodations online and want to earn rewards while enjoying valuable protection and perks without an annual fee.

Bilt Mastercard®

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Bilt Mastercard®
4.1

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x points on dining, 2x points on travel, 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x points on all other purchases. Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent) up to 10,000 points per month. Note: You will earn points and double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.

1x - 6x Points

Welcome Offer N/A

N/A

  • 3x Points: On dining.
  • 2x Points: On travel.
  • 1x Points: On rent payments without the transaction fee, up to 100,000 points each calendar year.
  • 1x Points: On all other purchases.
  • Double Points: Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on other purchases (except rent), up to 10,000 points per month.
  • Note: You will earn points and also double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you’ll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
  • Annual Fee: None.
  • Foreign Transaction Fees: None.
  • Redeem Points: Use your Bilt points to cover your next month rent payment or save your points and put them towards a down payment. You also can redeem your points for travel and fitness, or shop at the Bilt Collection and Amazon.com, and more. Redemption rates may vary.
  • Transfer Your Points: 1:1 to Bilt partners.
  • Bilt Rewards Status: Points earned with the Bilt Mastercard will count towards your Bilt Rewards status.
  • Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $10,000 per claim and $50,000 per calendar year per account.
  • Lyft (Offer ends on 9/30/25): pay for three eligible Lyft Rides in a calendar month to receive a $5 Lyft credit.
  • Travel Benefits: Include Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver, World Elite Mastercard Concierge, Travel and Lifestyle Services, Hotel Stay Guarantee, Airport Concierge™, and Golf Travel Packages.
  • Additional Features: Include BiltProtect, the ID theft protection program, purchase security, and Global Service™.
  • Regular APR: 20.74% - 28.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Bilt Mastercard® is the first and the only credit card to let you pay rent without a transaction fee and offers rewards for paying rent. Great additions are cell phone protection, purchase protection, and travel benefits and perks.

Attune℠

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Attune℠
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

19.49% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4% cashback on self-care, select sports, recreation, entertainment, and eco-friendly purchases. Earn 1% cashback on all other purchases.

1% - 4% Cashback

Welcome Offer Earn a $100 bonus after spending $500 in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link, a national nonprofit, when you qualify for the $100 bonus.

$100

  • Welcome Offer: Earn a $100 bonus after spending $500 in the first 3 months. Plus, Wells Fargo will donate $50 to Capital Link when you qualify for the $100 bonus.
  • 4% Cashback: Earn 4% cashback on self-care, select sports, recreation, entertainment, and eco-friendly purchases.
  • 1% Cashback: Earn 1% cashback on all other purchases.
  • Annual fee: None.
  • Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.49% - 29.49% applies to purchases and balance transfers.
  • Redeem Rewards: For gift cards, purchases, PayPal checkout, and more.
  • Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • My Wells Fargo Deals: Access personalized deals from various merchants and earn cashback. Activate a deal, review its terms, and shop with your eligible card. Cashback will be credited to your statement or account.
  • Travel Benefits: Include Mastercard Global Service™, Concierge Service, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Mastercard Golf, and Auto Rental Collision Damage Waiver.
  • Additional Features: Include Mastercard ID Theft Protection™, zero liability protection, Credit Close-up℠, and contactless checkout.
  • Click ‘Apply Now’ to see the full terms and conditions.
This new credit card from Wells Fargo is a great choice for earning bonus rewards on everyday expenses like self-care, sports, entertainment, and eco-friendly purchases. It also offers a $100 welcome bonus, a 0% intro APR on purchases for 12 months, and a range of Mastercard benefits and perks. This card is ideal for those who regularly spend on targeted pending categories.

Reflect®

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Reflect®
4.0

Annual fee:
$0

Intro APR

Purchases: 0%, 21 months

Balance Transfers: 0%, 21 months

Regular APR

17.49% - 29.24% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards N/A

N/A

Welcome Offer N/A

N/A

  • Annual fee: None.
  • Foreign transaction fees: 3% of each transaction converted to U.S. dollars.
  • 0% Intro APR on Purchases: For 21 months from account opening.
  • 0% Intro APR on Balance Transfers: For 21 months from account opening. To qualify, you must make balance transfer within the first 120 days.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Regular APR: After the introductory period, a variable APR of 17.49% - 29.24% applies to purchases and balance transfers.
  • My Wells Fargo Deals: Access personalized deals from a variety of merchants. It’s an easy way to earn cashback for your purchases. Once activated, you can view the terms of the deal, then shop at that merchant using your eligible card. Cashback credit will be applied to your statement or account.
  • Cell phone protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel benefits: Includes Roadside Dispatch® and Auto Rental Collision Damage Waiver.
  • Additional features: Includes emergency cash disbursement and card replacement, zero liability protection, and Credit Close-up℠.
  • Click ‘Apply Now’ to see the full terms and conditions.
Wells Fargo Reflect® card is a leader in offering long 0% APR intro periods for purchases and balance transfers.

Autograph℠

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Autograph℠
4.3

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

Regular APR

19.49% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x points per $1 spent on restaurants, travel, gas, transit, popular streaming services, and phone plans. Earn 1x points on all other purchases.

1x - 3x Points

Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first 3 months – that’s a $200 cash redemption value.

20,000 Points

  • Welcome Offer: Earn 20,000 bonus points after spending $1,000 within the first 3 months of account opening.
  • 3x Points: On restaurants, travel, gas, transit, popular streaming services, and phone plans.
  • 1x Points: On all other purchases.
  • Annual fee: None.
  • Foreign Transaction Fee: None.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.49% - 29.49% applies to purchases and balance transfers.
  • Redeem Rewards: For travel, gift cards, purchases, when you checkout with PayPal, and more.
  • Cell Phone Protection: Get up to $600 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • My Wells Fargo Deals: Access personalized deals from various merchants and earn cashback on your purchases. Activate a deal, review its terms, and shop at the participating merchant with your eligible card. Cashback will be credited to your statement or account.
  • Autograph Card Exclusives: Enjoy exclusive access to tickets to live events with popular artists, bringing you closer to the action than ever before with your Wells Fargo Autograph℠ Credit Card.
  • Visa Signature® Experiences: Include Luxury Hotel Collection and Concierge Services.
  • Travel Benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
  • Additional Features: Include emergency cash disbursement and card replacement, zero liability protection, and Credit Close-up℠.
  • Click ‘Apply Now’ to see the full terms and conditions.
This new credit card from Wells Fargo is a good option for earning bonus rewards on travel and everyday purchases. Great additions are a welcome bonus, a 0% intro APR offer on purchases, Visa Signature® benefits and perks.

Autograph Journey℠

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Autograph Journey℠
4.1

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points per $1 spent on hotels. Earn 4x points on airlines. Earn 3x points on restaurants and other travel expenses. Earn 1x points on all other purchases.

1x - 5x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 in the first 3 months – that’s a $600 cash redemption value.

60,000 Points

  • Welcome Offer: Earn 60,000 bonus points after spending $4,000 in the first 3 months – that’s a $600 cash redemption value.
  • 5x Points: On hotels.
  • 4x Points: On airlines.
  • 3x Points: On restaurants and other travel expenses.
  • 1x Points: On all other purchases.
  • Annual fee: $95.
  • Foreign Transaction Fee: None.
  • Redeem Rewards: For travel, gift cards, purchases, when you checkout with PayPal, and more.
  • $50 Annual Statement Credit: Get a $50 annual statement credit with $50 minimum airline purchase.
  • Cell Phone Protection: Get up to $1,000 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • My Wells Fargo Deals: Access personalized deals from various merchants and earn cashback on your purchases. Activate a deal, review its terms, and shop at the participating merchant with your eligible card. Cashback will be credited to your statement or account.
  • Autograph Card Exclusives: Enjoy exclusive access to tickets to live events with popular artists, bringing you closer to the action than ever before with your Wells Fargo Autograph℠ Credit Card.
  • Visa Signature® Experiences: Include Luxury Hotel Collection and Concierge Services.
  • Travel Benefits: Include Worldwide Automatic Common Carrier Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, and Roadside Dispatch®.
  • Additional Features: Include emergency cash disbursement and card replacement, zero liability protection, contactless checkouts, and Credit Close-up℠.
  • Regular APR: 20.49% - 29.49% Variable APR.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Click ‘Apply Now’ to see the full terms and conditions.
This new credit card from Wells Fargo offers valuable rewards and benefits, making it an excellent choice for frequent travelers and dining enthusiasts. It features a generous welcome bonus and high reward rates on travel and dining purchases. Additional perks include Visa Signature® benefits, such as luxury hotel access and concierge services, along with comprehensive travel insurance and protection features. The card also provides exclusive access to live events and various personalized deals.

Active Cash®

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Active Cash®
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 12 months

Regular APR

19.49% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards 2% unlimited cashback on all purchases with no categories to track or quarterly activations.

2% Cashback

Welcome Offer Earn a $200 cash rewards bonus when you spend $500 on purchases in the first 3 months.

$200

  • Welcome Offer: Earn a $200 cash rewards bonus when you spend $500 on purchases in the first 3 months from account opening.
  • 2% Unlimited Cashback: Earn unlimited 2% cash rewards on all purchases, without tracking categories or quarterly activations.
  • Annual Fee: None.
  • 0% Intro APR on Purchases: For 12 months from account opening.
  • 0% Intro APR on Balance Transfers: For 12 months from account opening. To qualify, you must make balance transfer within the first 120 days.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.49% - 29.49% applies to purchases and balance transfers.
  • Foreign Transaction Fees: 3% of each transaction converted to U.S. dollars.
  • Redeem Rewards: Redeem for statement credits, purchases, gift cards, travel, and more.
  • Cell Phone Protection: Receive up to $600 coverage against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • My Wells Fargo Deals: Access personalized cashback deals from various merchants. Activate deals, view terms, and earn cashback on purchases.
  • Visa Signature® Experiences: Access Luxury Hotel Collection and Concierge Services.
  • Travel benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, and Auto Rental Collision Damage Waiver.
  • Additional features: Include zero liability protection, Credit Close-Up℠, and emergency cash disbursement and card replacement.
  • Click ‘Apply Now’ to see the full terms and conditions.
Wells Fargo Active Cash® is a standout cash reward card offering the highest 2% flat rate unlimited cashback on all purchases. It includes a welcome cash bonus, along with 0% introductory APR offers on purchases and balance transfers.




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