Which wells fargo credit card is best for building credit

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Wells Fargo's credit cards haven't always offered the biggest rewards or the flashiest benefits — but things have changed a lot in recent years as the issuer has rolled out products that appeal even to people who don't bank with Wells Fargo. Wells Fargo also cards offer certain features that are hard to find elsewhere:

• Cash rewards — literally. Wells Fargo lets its banking customers redeem credit card rewards in $20 bills right at the ATM. To do this, use your Wells Fargo debit card at a Wells Fargo-owned ATM. • Cell phone protection. You'll receive up to $600 worth of coverage — after a $25 deductible — if your cell phone is damaged or stolen and you pay its monthly bill with an eligible Wells Fargo credit card.

Wells Fargo's credit cards haven't always offered the biggest rewards or the flashiest benefits — but things have changed a lot in recent years as the issuer has rolled out products that appeal even to people who don't bank with Wells Fargo. Wells Fargo also cards offer certain features that are hard to find elsewhere:

• Cash rewards — literally. Wells Fargo lets its banking customers redeem credit card rewards in $20 bills right at the ATM. To do this, use your Wells Fargo debit card at a Wells Fargo-owned ATM. • Cell phone protection. You'll receive up to $600 worth of coverage — after a $25 deductible — if your cell phone is damaged or stolen and you pay its monthly bill with an eligible Wells Fargo credit card.

Best Wells Fargo Credit Cards From Our Partners

Annual fee

$0

Intro APR

0% intro APR on Purchases for 12 months

Regular APR

17.99%, 22.99%, or 27.99% Variable APR

Recommended Credit Score

The Wells Fargo Autograph℠ Card boasts a stunning combination of features for a travel credit card with a $0 annual fee, including 3X points on a wide variety of common expenses.

The Wells Fargo Autograph℠ Card boasts a stunning combination of features for a travel credit card with a $0 annual fee, including 3X points on a wide variety of common expenses.

Pros

• The card earns unlimited 3 points per dollar spent on travel, dining, gas stations, transit, popular streaming services and phone plans. Other spending earns 1 point per dollar. The bonus offer is outstanding for a $0-annual-fee card, and you even get a introductory APR period.

Cons

• You won't get some of the premium perks you can find on travel cards that charge annual fees, such as travel credits, transfer partners and airport lounge access.

Read full review

• Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months - that's a $300 cash redemption value. Offer expires 1/10/2023

• Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases

• $0 annual fee

• 0% intro APR for 12 months from account opening on purchases. 17.99%, 22.99%, or 27.99% variable APR thereafter

• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.

• Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge.

• Select "Apply Now" to learn more about the product features, terms and conditions.

• View Rates & Fees

Annual fee

$0

Intro APR

0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers

Regular APR

17.99%, 22.99%, or 27.99% Variable APR

Recommended Credit Score

The $0-annual-fee Wells Fargo Active Cash® Card offers the best of many worlds: a rich ongoing rewards rate on all purchases, a generous sign-up bonus, and a lengthy 0% intro APR period on both purchases and balance transfers.

The $0-annual-fee Wells Fargo Active Cash® Card offers the best of many worlds: a rich ongoing rewards rate on all purchases, a generous sign-up bonus, and a lengthy 0% intro APR period on both purchases and balance transfers.

Pros

• You'll earn 2% back on all purchases, plus the card starts you off with a sizable sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.. If you're looking to save money on interest, the card also offers a 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 17.99%, 22.99%, or 27.99% Variable APR.

Cons

• Earning 2% back on everything is great, but you can find cards with higher rates in specific spending categories if you're willing to put in some work on tracking those categories.

Read full review

• Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months

• Earn unlimited 2% cash rewards on purchases

• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.99%, 22.99%, or 27.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5

• $0 annual fee

• No categories to track or remember and cash rewards don't expire as long as your account remains open

• Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge

• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).

• Select "Apply Now" to learn more about the product features, terms and conditions

• View Rates & Fees

Annual fee

$0

Intro APR

0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers

Regular APR

15.99%-27.99% Variable APR

Recommended Credit Score

The $0-annual-fee Wells Fargo Reflect® Card is one of the best options on the market for those seeking breathing room from interest.

The $0-annual-fee Wells Fargo Reflect® Card is one of the best options on the market for those seeking breathing room from interest.

Pros

• The card's standout feature is its uber-lengthy 0% intro APR period. It offers a 0% intro APR on Purchases for up to 21 months and 0% intro APR on Balance Transfers up to 21 months from account opening on qualifying balance transfers, and then the ongoing APR of 15.99%-27.99% Variable APR

Cons

• It doesn't earn ongoing rewards, beyond allowing you to opt into one-time offers through My Wells Fargo Deals. There's also a balance transfer fee.

Read full review

• 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 15.99% to 27.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.

• $0 Annual Fee

• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).

• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

• Select "Apply Now" to learn more about the product features, terms and conditions

• View Rates & Fees

Here are the top Wells Fargo credit cards. Click the card name to read our review. Before applying, verify details on the issuer's website:

Wells Fargo Active Cash® Card

Our pick for: Cash back

Among flat-rate cash-back cards, you'll be hard-pressed to beat the Wells Fargo Active Cash® Card. It earns an unlimited 2% back on all purchases, which is excellent. But in addition, the card offers a rich sign-up bonus and a generous 0% intro APR on both purchases and balance transfers. That's an impressive, hard-to-find combination of features on a card with a $0 annual fee. Read our review.

Wells Fargo Autograph℠ Card

Our pick for: Travel

The Wells Fargo Autograph℠ Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.

Wells Fargo Reflect® Card

Our pick for: 0% intro APR

The Wells Fargo Reflect® Card has one of the longest 0% intro APR periods on the market — potentially approaching almost two years, if you meet on-time minimum payment requirements. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. Read our review.

Last updated on October 24, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

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