Wells Fargo Credit Cards: Is It the Right Fit for You

Wells Fargo provides many credit card choices suited for diverse consumer spending patterns. Whether you want cash back, travel perks, 0% intro APRs, or other features, Wells Fargo delivers valuable rewards, temporary low rates, and benefits cardholders can utilize. With flexible picks, they aim to match people with the ideal card for their habits.

Wells Fargo Credit Cards

This article summarizes the major Wells Fargo credit cards, highlighting their top features and rewards rates, fees to factor in, and how to select the card that fits your spending patterns and financial goals.

Overview of Wells Fargo Credit Card Options

Wells Fargo offers both personal and business credit cards on the Visa network. Here is a quick look at some of their top options:

Wells Fargo Active CashSM Card – Earns unlimited 2% cash rewards on purchases with no annual fee. It also provides new cardholder bonuses and an intro 0% APR offer.

Wells Fargo Cash Wise Visa® – Earns 1.5% cash rewards on all purchases plus cell phone protection when paying your cell bill with the card.

Wells Fargo Reflect® Card – Designed for consumers working to build or improve credit with transparent terms. Reports to the major credit bureaus.

Wells Fargo Platinum Card® – Features intro rates as low as 0% APR for 18 months on purchases and qualifying balance transfers.

Wells Fargo Business Platinum Credit Card – Designed for small business owners with 0% intro APR for 9 months from account opening and other key benefits.

However, Wells Fargo provides a spectrum of options whether you want cash back, travel rewards, 0% financing, or business benefits.

Top Features and Benefits by Card

Here is an overview of some of the most valuable benefits provided by key Wells Fargo cards:

Wells Fargo Active Cash Card

  • Unlimited 2% cash rewards on purchases
  • $200 cash rewards bonus
  • Intro 0% APR for 15 months from account opening

The Wells Fargo Cash Wise Visa® Card

  • 1.5% cash rewards on all purchases
  • Up to $600 cell phone protection with $25 deductible when paying cell bill with card

Wells Fargo Reflect® Card

  • No annual fee or security deposit
  • Reports to credit bureaus to help build credit history
  • Access to credit education tools

The Wells Fargo Platinum Card®

  • 0% intro APR for 18 months on purchases and qualifying balance transfers
  • Wells Fargo benefits like cell phone protection, car rental insurance, and more

Wells Fargo Business Platinum Credit Card

  • 0% intro APR for 9 months on purchases
  • Cell phone protection when paying cell bill with card
  • Employee cards and account management tools
  • Rental car insurance

Optimizing the right card for your needs provides significant value through rewards earnings, intro financing offers, and cardholder benefits.

Costs and Fees to Be Aware Of

While most Wells Fargo cards have no annual fee, there are some other costs to take note of:

  • APRs from 15.49% to 26.49% variable – The specific APR you receive depends on your creditworthiness. Rates apply to purchases and balance transfers unless a promotional intro rate is in effect.
  • Balance Transfer Fee – For transfers made after an intro period, expect a 3% to 5% balance transfer fee (minimum of $5).
  • Cash Advance Fee – Wells Fargo charges a 5% fee (minimum $10) for ATM and bank cash advances.
  • Foreign Transaction Fee – These fees range from 3% to 5% of the transaction amount for international purchases.
  • Late Payment Fee – Expect to pay $29 – $40 for paying after the due date.

As long as you pay on time and avoid cash advances, using a Wells Fargo card won’t incur many extra costs beyond your normal spending.

Eligibility for Approval

Wells Fargo evaluates a few key criteria when considering applications for their credit cards:

  • Good to excellent credit needed – Approved scores are generally 690 and above, though requirements vary by card. The Reflect card is suitable for poor/fair scores.
  • Low utilization – Ideally 30% or less of your total available credit limits. Shows you manage credit responsibly.
  • You most have some credit history – At least 3 years of established accounts is preferred. The Reflect can establish initial history.
  • Have a stable income – Income stability and the ability to meet minimum requirements improves approval odds. Requirements range from $15,000-$35,000 depending on the card.

If you meet these benchmarks, you should have good approval chances for a Wells Fargo card fitting your profile. Pre-qualification is also available.

How to Apply Online in Minutes

You can submit an application digitally in just a few minutes:

  • Visit the Wells Fargo website and navigate to Credit Cards.
  • Click “Apply now” for the card you want to apply for.
  • Provide personal information, employment and income details.
  • Accept the online disclosures and submit the application.
  • Verify your identity if requested.
  • Receive an instant decision on your application status.

Once approved, you can immediately take advantage of your new card’s features and benefits. Be sure to activate the card as soon as you receive it.

Tips to Find the Right Wells Fargo Card for Your Needs

With various options available, how do you decide which Wells Fargo credit card is the best fit?

The Wells Fargo Active Cash Card is a great pick for earning an unlimited 2% return on your everyday spending without worrying about rotating categories or caps.

The Reflect Card can help build credit through responsible use for those new to credit or rebuilding.

Opt for the Cash Wise or Platinum cards if you want intro 0% financing offers on purchases and transfers along with useful benefits.

And the Business Platinum credit card provides robust tools and rewards optimized for small business owners’ needs.

Take time to consider your regular spending patterns, financial goals, and credit profile to select the optimal Wells Fargo card for your wallet.


Wells Fargo credit cards deliver strong value across a spectrum of consumer and business needs. From cash back, rewards to intro financing offers and cardholder protections, Wells Fargo aims to provide usefulness in your daily credit card spending. Just be sure to always practice responsible habits like paying on time and not overspending.

Evaluate your spending habits and financial goals to determine which Wells Fargo card aligns best. With the right match, a Wells Fargo credit card can provide great benefits and rewards for years to come.

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