Best Credit cards Offered by Wells Fargo 2024

Wells Fargo is a large financial services company based in the United States. It is one of the largest banks in the country and provides a wide range of financial products and services to individuals, businesses, and institutions. Wells Fargo offers services such as banking, mortgage and home equity loans, investment and wealth management, credit cards, insurance, and various other financial products.

In this post, we will discuss all types of credit cards offered by Wells Fargo :

How many types of credit cards offered by Wells Fargo ?

Wells Fargo offers 6 types of credit cards. These are :

1. Wells Fargo Active Cash Visa® Card
2. Wells Fargo Reflect^® Card
3. Wells Fargo Autograph^℠ Card
4. Bilt Mastercard^®
5. Choice Privileges^® Mastercard^®
6. Choice Privileges^® Select Mastercard^®

1. Wells Fargo Active Cash Visa® Card

Wells Fargo Active Cash Visa® Card Overview

Welcome Offer:

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

Cash Rewards:

• Unlimited 2% cash rewards on all purchases.
• Cash rewards don’t expire while the account remains open.

Annual Fee:

• $0 Annual Fee.

APR:

• 0% intro APR for 15 months on purchases and qualifying balance transfers.
• Variable APR after the intro period: 20.24%, 25.24%, or 29.99%.

Additional Features:

• Cellular Telephone Protection: Up to $600 coverage against damage or theft with a $25 deductible.
• Security Features: Voice Verification and 2-step Verification at sign-on.
• Wells Fargo Mobile® app: Manage bills and account activity on-the-go.
• Zero Liability Protection: Protection against unauthorized transactions when reported promptly.

Rewards Redemption Options:

• Redeem for purchases to offset eligible credit card expenses.
• Redeem as a credit to a Wells Fargo credit card, checking account, or mortgage.
• Cash redemption at Wells Fargo ATMs in $20 or $25 increments.
• Redeem for gift cards.
• Pay with Rewards through PayPal.

Visa Signature® Privileges:

• Concierge Service: 24/7 assistance for travel, event bookings, and more.
• Luxury Hotel Collection: Premium benefits at select properties.

Comparison with Other Cards:

Card Feature	Wells Fargo Active Cash®	Citi® Double Cash	Discover It® Cash Back	Capital One Quicksilver Rewards
Unlimited 2% Cash Back	✓	✓	✗	✓
Cash Rewards Expiry	No	✓	✓	✓
No Categories to Track	✓	✓	✗	✓
Redeem for Purchases	✓	✗	✓	✓
Welcome Bonus	✓	✓	✗	✓
Intro APR on Purchases	✓	✗	✓	✓
Intro APR on Transfers	✓	✓	✓	✓

Offers may vary over time and through different channels.

2. Wells Fargo Reflect® Card

Wells Fargo Reflect® Card Overview

Introductory Offers:

• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.
• After the introductory period, variable APR: 18.24%, 24.74%, or 29.99%.

Annual Fee:

• $0 Annual Fee.

Application and Offers:

• Offers may vary across different channels (phone, email, online, direct mail, or in-branch).
• Apply now to take advantage of the specific offer.

Key Features:

Intro APR Benefit:

• Enjoy the lowest intro APR for 21 months on purchases and qualifying balance transfers.

Additional Benefits:

1. Cellular Telephone Protection:
   • Up to $600 protection against damage or theft, subject to a $25 deductible.
2. Roadside Dispatch®:
   • 24/7 on-demand referral dispatch network for emergency roadside assistance, towing, or locksmith services. Call 1-800-847-2869.
3. My Wells Fargo Deals:
   • Access personalized deals for cash back as an account credit when using the card at eligible merchants.
4. Zero Liability Protection:
   • Protection against unauthorized transactions when reported promptly.
5. Credit Close-Up℠:
   • Enroll to receive monthly FICO® Score updates and personalized credit insights.

Coverage Details:

1. Cellular Telephone Protection:
   • Reimbursement details for eligible damages or theft of a cell phone when billed to the Wells Fargo Consumer Credit Card.
2. Roadside Dispatch®:
   • Confirmation of current fees and terms for roadside assistance.
3. My Wells Fargo Deals:
   • Activation requirements, terms, and conditions for earning cash back through personalized deals.
4. Zero Liability Protection:
   • Assurance that the cardholder won’t be held responsible for promptly reported unauthorized transactions.
5. Credit Close-Up℠:
   • Enrollment process and benefits of understanding and tracking FICO® Score.

3. Choice Privileges^® Select Mastercard^®

Overview of the Choice Privileges® Select Mastercard®

Bonus Points Incentive

Cardholders are eligible to earn 60,000 bonus points upon spending $3,000 in purchases within the initial 3 months. These points have a tangible value equivalent to up to 7 reward nights at select Choice Hotels® properties.

Annual Fee and Important Credit Terms

The card carries a $95 annual fee. Exclusive offers may be communicated through various channels such as email, mail, online, phone, or in-branch. It is advisable to be aware of these offers as they may vary over time.

To take advantage of the current offer, interested individuals can apply on the provided page. Reading the Choice Privileges Select Mastercard Credit Card Account Agreement is crucial for a comprehensive understanding of the terms.

Earning Points Structure

The card provides a systematic approach to earning points:

• 10X Points: On stays at participating Choice Hotels® properties and Choice Privileges point purchases.
• 5X Points: On purchases at gas stations, grocery stores, home improvement stores, and phone plan services.
• 1X Points: On all other purchases.

Anniversary Bonus

Cardholders receive an anniversary bonus of 30,000 points each 12-month period, potentially covering at least one night at any eligible Choice Hotels property.

Platinum Elite Membership

Cardholders automatically attain Platinum Elite status, earning a 25% bonus on qualifying Choice® hotel bookings and receiving 20 Elite night credits annually.

Added Benefits

• Global Entry or TSA PreCheck®: Enrollment provides up to $100 statement credit every four years as reimbursement for the application fee.
• No Foreign Currency Conversion Fee: The card eliminates foreign currency conversion fees for travel-related purchases.
• Cell Phone Protection: Cardholders enjoy up to $800 in protection against cell phone damage or theft, subject to a $25 deductible.
• Mastercard® World Elite Benefits: Access to exclusive security features, offers, concierge services, and travel benefits.

Choice Hotels Portfolio

The card opens doors to a variety of hotel options within the Choice Hotels portfolio, catering to different preferences and budgets.

The Choice Privileges Program

Cardholders gain access to the Choice Privileges program, earning points with every stay. Applying for the Choice Privileges® Select Mastercard® provides an opportunity to accumulate travel rewards and avail exclusive benefits.

4. Wells Fargo Choice Privileges Mastercard®

Overview of Wells Fargo Choice Privileges Mastercard®

Rewarding Beginnings: 40,000 Bonus Points Await!

One of the standout features of the Choice Privileges® Mastercard® is the enticing bonus offer. Earn a whopping 40,000 bonus points by spending $1,000 in the first three months. These points translate into up to five reward nights at select Choice Hotels® properties, setting the stage for an extraordinary travel experience.

No Annual Fee: Travel Smart, Save Smart

Unlike many credit cards, the Choice Privileges® Mastercard® doesn’t come with an annual fee. Enjoy the perks and rewards without the added financial burden, making it an attractive choice for those who seek value without compromise.

Earn Points in Every Dimension of Your Life

The rewards program is designed to cater to various aspects of your lifestyle, ensuring that you earn points effortlessly. Here’s how you can accumulate points:

• 5X Points on Stays: Stay at participating Choice Hotels® properties and earn five points (1 base point plus 4 bonus points) for every dollar spent on qualifying stays.
• 3X Points on Everyday Purchases: Earn triple points on purchases at gas stations, grocery stores, home improvement stores, and phone plan services.
• 1X Points on Other Purchases: For all other purchases, you still earn one point for every dollar spent.

Unlock Exclusive Privileges: Gold Elite Membership

The Choice Privileges® Mastercard® takes your travel status up a notch with an automatic Gold Elite membership. Enjoy the benefits of Gold Elite status, including a 10% bonus on points every time you book a qualifying stay with Choice® hotels. This puts you halfway to Platinum Elite status, opening doors to even more privileges.

Elite Night Credits: Elevate Your Status

Receive 10 Elite night credits annually, qualifying you for at least Gold level status each calendar year. These credits contribute to your loyalty status, making your stays more rewarding.

Added Benefits for a Hassle-Free Experience

The perks of the Choice Privileges® Mastercard® extend beyond travel rewards. Enjoy added benefits such as:

• Cell Phone Protection: Up to $800 of protection against damage or theft with a reasonable $25 deductible, ensuring your essential device is safeguarded.
• No Foreign Currency Conversion Fee: When you use your card for travel, bid farewell to foreign currency conversion fees for purchases converted to U.S. dollars.

Mastercard® World Elite: Elevate Your Experience

As a World Elite Mastercard holder, access a suite of additional benefits, including enhanced security features, exclusive offers, concierge services, and tailored travel & lifestyles services. This card is not just a means of payment; it’s a gateway to a world of premium experiences.

5. Wells Fargo Bilt Mastercard®

Overview of Wells Fargo Bilt Mastercard®

Bilt introduces the Bilt Mastercard®, a credit card designed to reshape the way you accumulate rewards. Let’s dive into the factual features that set this card apart and add value to your financial choices.

Earning Points on Rent: A Unique Proposition

• Reward Structure: Earn 1X points on rent payments without transaction fees, making it a distinctive feature in the credit card landscape.
• Annual Cap: Enjoy the opportunity to accumulate up to 100,000 points annually through rent payments, providing a clear limit for potential rewards.

Travel Benefits: Elevate Your Journeys

• Travel Points: Gain 2X points on travel expenditures made directly with airlines, hotels, cruise lines, and car rental agencies.
• Travel Protections: Benefit from travel perks, including up to $5,000 reimbursement for non-refundable passenger fares, coverage for trip delays with meal reimbursement, and auto coverage for rental cars.
• Lyft Credit: For frequent travelers, taking three rides in a calendar month with the Bilt Mastercard® results in a $5 Lyft credit.

Dining Delights: Maximizing Rewards

• Dining Points: Earn 3X points on dining expenses, encompassing various establishments from restaurants and lounges to food deliveries.

Points on Other Purchases: Comprehensive Rewards

• General Points: Acquire 1X points on all other qualifying net purchases, providing a well-rounded approach to earning rewards.

Monthly Bonus Rewards: Boosting Points on Special Days

• Promotional Offer: On the 1st of each month, enjoy bonus points with 6X on dining, 4X on travel, and 2X on other purchases (except rent) when making at least five transactions.
• Maximum Bonus Points: Benefit from a cap of 10,000 bonus points per month under this promotional offer.

BiltProtect: Smart Credit Management

• Rent Payment Protection: BiltProtect allows paying rent without utilizing available credit, connecting directly to your bank account for fund transfers within 48 hours.

Bilt Rewards: Diverse Redemption Options

• Points Utilization: Bilt points can be redeemed for various options, including travel, rent and down payment coverage, fitness classes, and exclusive items from the Bilt Collection.

Recognition and Awards: Acknowledgment of Excellence

• Bankrate Endorsement: Bilt Points recognized as the most valuable rewards, surpassing Amex Membership Rewards and Chase Ultimate Rewards according to Bankrate.com.
• The Points Guy Award: Winner of The Points Guy 2023 Readers’ Choice Awards for “Best No-Annual-Fee Credit Card.”

Cellular Telephone Protection: Additional Security

• Coverage Details: Receive reimbursement for eligible damages or theft of a cell phone when the monthly bill is paid with the Bilt Mastercard®, offering supplementary protection.

Important Disclosures: Interest Rates and Fees

Interest Rates and Fees	Details
APR for Purchases	21.49%, 24.49%, or 29.49%, based on creditworthiness, with variations tied to U.S. Prime Rate.
APR for Balance Transfers	21.49%, 24.49%, or 29.49%, based on creditworthiness, with variations tied to U.S. Prime Rate.
	Balance Transfers are subject to eligibility.
APR for Cash Advances	29.24%, with variations tied to U.S. Prime Rate.
How to Avoid Paying Interest on Purchases	Pay your entire balance by the due date each month to avoid interest charges.
Minimum Interest Charge	If charged interest, it will be no less than $1.00.
Annual Fee	None.
Transaction Fees
Balance Transfers	Up to 5%, with a minimum of $5.
Cash Advances	Either $10 or 5% of the amount, whichever is greater.
Foreign Currency Conversion/Foreign Transaction	None.
Penalty Fees
Late Payment	Up to $40.
Balance Calculation	“Average daily balance (including new purchases).”
Variable APR Calculation	Based on the U.S. Prime Rate and a margin determined by creditworthiness.
	As of 01/27/2024, the U.S. Prime Rate is 8.50 percentage points.
Wells Fargo Reserves the Right	To change terms, rates (APRs), and fees in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement for your account and applicable law.

6. Wells Fargo Autograph^℠ Card

Overview of Wells Fargo Autograph^℠ Card

1. Welcome Bonus

Earn an enticing welcome bonus of 20,000 bonus points when you spend $1,000 in purchases within the first 3 months. This bonus translates to a $200 cash redemption value, providing a lucrative start to your credit card journey.

2. Annual Fee

Enjoy the perks without the cost – the Autograph℠ Card comes with a $0 annual fee, making it an attractive option for those seeking value without ongoing charges.

3. Unlimited 3X Points

Get rewarded generously for various aspects of your life in motion. Earn unlimited 3X points in multiple categories:

• Restaurants (dining in, take-out, catering, delivery, and more)
• Travel (airfare, hotels, car rentals, cruises, and more)
• Gas (gas stations and electric vehicle charging stations)
• Transit (subways, ride shares, parking, tolls, and more)
• Popular Streaming Services (content at home or on the go)
• Phone Plans (cell phone and landline providers)

Plus, earn 1X points on all other purchases, providing flexibility in your rewards accumulation.

4. Low Intro APR

Benefit from a low introductory Annual Percentage Rate (APR) of 0% for the first 12 months on purchases. After the introductory period, the variable APR will be 20.24%, 25.24%, or 29.99%, depending on your creditworthiness.

How to Redeem Your Rewards Points

Discover various rewarding possibilities for redeeming your points:

• Travel: Redeem points for flights, car rentals, and hotel stays for your next vacation.
• Gift Cards: Find the perfect gift card for any occasion, available in popular $25 increments.
• Purchases: Offset eligible purchases from your credit card account with your earned rewards.
• PayPal: Shop at millions of online stores and redeem your rewards when checking out with PayPal.

For more details on redemption options, visit wellsfargo.com/rewards.

Additional Card Features & Benefits

1. Cellular Telephone Protection

Receive up to $600 in protection against cell phone damage or theft, subject to a $25 deductible.

2. Auto Rental Collision Damage Waiver

Enjoy coverage against theft, damage, valid loss-of-use charges, administrative fees, and towing charges for qualified repair facilities.

3. Travel and Emergency Services Assistance

Access emergency assistance and referral services while traveling by calling 1-800-992-6029. Refer to the Guide to Benefits for more information.

4. Roadside Dispatch®

Experience 24/7 on-demand referral dispatch for emergency roadside assistance, towing, or locksmith services. Call 1-800-847-2869 for assistance.

5. Emergency Cash Disbursement and Card Replacement

Visa credit cardholders can get an emergency cash advance disbursed or a card replaced within one to three business days after issuer approval.

6. My Wells Fargo Deals

Access personalized deals from various merchants through My Wells Fargo Deals. Earn cash back as an account credit when using your Autograph℠ Card.

7. Zero Liability Protection

Built-in protection ensures you won’t be held responsible for unauthorized transactions when reported promptly.

8. Credit Close-Up℠

Enroll in Credit Close-Up℠ to understand and track your FICO® Score, receive monthly updates, and gain personalized credit insights. Complimentary for Wells Fargo Online® customers.

Autograph Card Awards

Recognized as the Best Credit Card for Gas by The Ascent, a Motley Fool Service, the Autograph℠ Card stands out for its exceptional benefits.

Visa Signature® Privileges

Enjoy additional privileges with your Autograph Card:

• Concierge Service, 24/7: Access complimentary Visa Signature Concierge service for ticket bookings, travel arrangements, dinner reservations, and more.
• Luxury Hotel Collection: Experience premium benefits at select world-class properties. Learn more at VisaSignatureHotels.com.

FAQs

Frequently Asked Questions (FAQs) – Wells Fargo Credit Cards

1. How many types of credit cards does Wells Fargo offer?

Wells Fargo offers six types of credit cards. These are:

• Wells Fargo Active Cash Visa® Card
• Wells Fargo Reflect® Card
• Wells Fargo Autograph℠ Card
• Bilt Mastercard®
• Choice Privileges® Mastercard®
• Choice Privileges® Select Mastercard®

2. What is the welcome offer for the Wells Fargo Active Cash Visa® Card?

The Wells Fargo Active Cash Visa® Card offers a welcome bonus of $200 cash rewards when you spend $500 on purchases within the first 3 months.

3. Does the Wells Fargo Reflect® Card have an annual fee?

No, the Wells Fargo Reflect® Card does not have an annual fee.

4. What are the reward categories for the Wells Fargo Autograph℠ Card?

The Wells Fargo Autograph℠ Card offers unlimited 3X points in the following categories:

• Restaurants
• Travel (airfare, hotels, car rentals, cruises)
• Gas (gas stations, electric vehicle charging stations)
• Transit (subways, ride shares, parking, tolls)
• Popular Streaming Services
• Phone Plans

Additionally, you earn 1X points on all other purchases.

5. What is the introductory APR for purchases with the Wells Fargo Autograph℠ Card?

The Wells Fargo Autograph℠ Card offers a 0% introductory APR for the first 12 months on purchases. After the introductory period, the variable APR will be 20.24%, 25.24%, or 29.99%, depending on your creditworthiness.

6. What benefits does the Choice Privileges® Select Mastercard® offer?

The Choice Privileges® Select Mastercard® provides various benefits, including:

• Bonus Points Incentive: Earn 60,000 bonus points upon spending $3,000 in the first 3 months.
• Annual Bonus: Receive a 30,000 points anniversary bonus each year.
• Platinum Elite Membership: Automatically attain Platinum Elite status, earning a 25% bonus on qualifying Choice® hotel bookings.
• Global Entry or TSA PreCheck®: Get up to $100 statement credit every four years for the application fee.

7. What is the unique feature of the Wells Fargo Bilt Mastercard®?

The Wells Fargo Bilt Mastercard® allows you to earn 1X points on rent payments, providing a distinctive way to accumulate rewards. It also offers travel benefits, dining rewards, and monthly bonus rewards.

8. Does the Wells Fargo Autograph℠ Card offer cellphone protection?

Yes, the Wells Fargo Autograph℠ Card provides up to $600 in protection against cell phone damage or theft, subject to a $25 deductible.

9. What is the annual fee for the Wells Fargo Choice Privileges Mastercard®?

The Wells Fargo Choice Privileges Mastercard® does not have an annual fee.

10. How can I redeem rewards with the Wells Fargo Autograph℠ Card?

You can redeem your rewards points for travel, gift cards, purchases, PayPal, and more. Visit wellsfargo.com/rewards for detailed redemption options.

Disclaimer: This website is not affiliated with or endorsed by Wells Fargo. The information provided here is for general informational purposes only and does not constitute official Wells Fargo content. For accurate and up-to-date details, please refer to Wells Fargo’s official website and communication channels.