Credit Cards » Compare Credit Cards » Best Wells Fargo Credit Cards of 2024
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Best Wells Fargo Credit Cards of 2024

Wells Fargo may not have as many credit card options , but it does have a card to meet most circumstances. Here are our recommendations.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Wells Fargo may not have as many credit card options as some other well-established banking brands, but it does have a card to meet most circumstances.

Here are The Smart Investor Select’s picks for the top Wells Fargo credit cards:

Card
Rewards
Bonus
Annual Fee
Best For

Wells Fargo active cash card

The Wells Fargo Active Cash℠ Card
2% 2% cash rewards on purchases (unlimited)
$200 $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
$0
Cash Back

Wells Fargo ReflectSM Card (1)

Wells Fargo Reflect℠ Card
N/A
N/A
$0
Balance Transfer

Wells Fargo Autograph

Wells Fargo Autograph Card
1X – 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
20,000 Points 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
$0
Travel Benefits

Choice Privileges® Mastercard®

Choice Privileges® Mastercard®
1x – 5x 5X points on stays at participating Choice Hotels plus on choice privileges point purchases properties, 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services and 1X points on other purchases
40,000 points 40,000 bonus points when you spend $1,000 in purchases within the first 3 months7 – enough to redeem for up to 5 reward nights at select Choice Hotels® properties
$0
Hotel Benefits

Wells Fargo Autograph Card

Wells Fargo Autograph

Wells Fargo Autograph Card

Reward details

1X – 3X 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases

Current Offer

20,000 Points 20,000 bonus points when you spend $1,000 in purchases in the first 3 months

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

12 months on purchases

APR

20.24% – 29.99% variable

The Wells Fargo Autograph Card offers a compelling option for those seeking a no-annual-fee rewards card with a diverse range of bonus categories

The card offers 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchasess. However, it lacks travel perks compared to traditional travel rewards cards, and its travel redemption options are limited.

Cellphone protection, My Wells Fargo Deals, and Auto Rental Collision Damage Waiver coverage are among the card's notable perks. Despite not offering transfer partners, the card's flexibility in redeeming points for cash rewards or travel, along with the ability to withdraw rewards from an ATM, adds to its appeal.

  • Rewards Plan: 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Also, earn 1X points on other purchases
  • APR: 20.24% – 29.99% variable
  • Annual fee: 20.24% – 29.99% variable
  • Balance Transfer Fee: $5 or 3% (the greater)
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
  • 0% APR Introductory Rate: 12 months on purchases
  • Everyday & Travel Rewards
  • My Wells Fargo Deals
  • 0% Intro APR
  • No Foreign Transaction Fee
  • Wells Fargo Credit Close-Up
  • Basic Card
  • No Transfer Partners
  • No 0% APR On Balance Transfer

What makes the Wells Fargo Autograph Card stand out?

The Autograph Card stands out with its broad range of reward categories, including restaurants, gas stations, transit, travel, and more, making it suitable for those with diverse spending patterns.

What perks come with the Autograph Card?

The card offers cellphone protection, My Wells Fargo Deals reward opportunities, auto rental collision damage waiver, and Visa Signature perks such as concierge service and Luxury Hotel Collection privileges.

Can you redeem Wells Fargo Autograph points for travel?

While the card offers various redemption options, including travel, the value of points for travel is limited to 1 cent per point.

Can I use the Autograph Card's points for cash back?

Yes, you can redeem your points for cash back as a statement credit or a deposit to your Wells Fargo savings, checking, or money market account at a value of 1 cent per point.

What makes the Autograph Card's redemption options flexible?

The card provides flexibility in redemption, allowing points to be redeemed for various options, including cash rewards, travel, or withdrawal from an ATM, making it convenient for cardholders with different preferences.

The Wells Fargo Active Cash℠ Card

Wells Fargo active cash card

The Wells Fargo Active Cash℠ Card

Reward details

2% 2% cash rewards on purchases (unlimited)

Current Offer

$200 $200 cash rewards bonus when you spend $500 in purchases in the first 3 months

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

15 months on purchases and qualifying balance transfers

APR

20.24% to 29.99% variable APR

The Wells Fargo Active Cash Card does not charge any annual fee and stands out by it offers. You can earn 2% cash rewards on purchases (unlimited) on every purchase you make with this card, as well as a decent bonus for a card with no annual fee and an introductory 0% APR with a cash bonus.

Wells Fargo also offers built in protections against unauthorized transactions with additional security features such as Voice verification.

  • Rewards Plan: 2% cash rewards on purchases (unlimited)
  • APR: 20.24% to 29.99% variable APR
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 5% (the greater)
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: $200 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • 0% APR Introductory Rate period: 15 months on purchases and qualifying balance transfers
  • Sign-Up Bonus
  • No Foreign Transaction Fee
  • Cashback on All Other Categories
  • No Annual Fee
  • 0% APR on Balance Transfers and Purchases
  • Minimum Redemption Amounts
  • Balance Transfer Fee
  • Lower Cashback Rate
  • Can I get car rental insurance? Yes, it offers rental insurance for cars if you pay for the full cost with this credit card and you decline the rental company’s insurance.
  • Is there a cash-back rewards limit? No cap
  • Does Wells Fargo Active Cash Card ask for proof of income? No out and out income requirements and normally you will not have to provide proof of income.
  • Can I get pre-approved on card Wells Fargo Active Cash CardYes, pre-approval is a possibility.
  • What is the initial credit limit ? It will usually be at least $500.
  • How do I redeem cash back? You are able to redeem the rewards in numerous ways. This includes as statement credit, as cash, withdrawn at an ATM, or redeemed as a gift card. You can also use the rewards when paying through PayPal at an online checkout.
  • What purchases don't earn cash back? All purchases will earn you cashback
  • Why did Wells Fargo Active Cash Card deny me? What to Do Next? Perhaps you did not meet all of the requirements. You can ask the customer service team what you need to do to get accepted or you can look at other card options.
  • How to Use Wells Fargo Active Cash Card Benefits? Use in conjunction with other cards and make the most of the signup offer.
  • Top reasons NOT to get the Wells Fargo Active Cash Card? If you want bigger cashback rates or don’t want to pay any foreign transaction charges.

Choice Privileges® Mastercard®

Choice Privileges® Mastercard®

Choice Privileges® Mastercard®

Reward details

1x – 5x 5X points on stays at participating Choice Hotels plus on choice privileges point purchases properties, 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services and 1X points on other purchases

Current Offer

40,000 points 40,000 bonus points when you spend $1,000 in purchases within the first 3 months7 – enough to redeem for up to 5 reward nights at select Choice Hotels® properties

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

N/A

APR

20.99%, 25.24%, or 29.99% variable

The Choice Privileges® Mastercard® offers a lucrative opportunity for travelers to earn free hotel stays at over 7,000 Choice Hotels worldwide. Cardholders earn 5X points on stays at participating Choice Hotels plus on choice privileges point purchases properties, 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services and 1X points on other purchases.

New cardmembers can enjoy a welcome bonus of 40,000 bonus points when you spend $1,000 in purchases within the first 3 months7 – enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additionally, the card provides Choice Privileges Gold Elite status, offering perks like a 10% bonus on points, early check-in, and late check-out. Apart from the rewards, cardholders benefit from Mastercard World Elite perks

While the card excels in its bonus categories, it may not offer the highest earnings for non-bonus spending. The Choice Hotels portfolio tends to favor budget and mid-range properties, especially in the U.S.

  • Rewards Plan: 5X points on stays at participating Choice Hotels plus on choice privileges point purchases properties, 3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services and 1X points on other purchases
  • APR: 20.99%, 25.24%, or 29.99% variable
  • Annual fee: $0
  • Balance Transfer Fee: 5% or $5, the greater
  • Foreign Transaction Fee: $0
  • Sign Up bonus: 40,000 bonus points when you spend $1,000 in purchases within the first 3 months7 – enough to redeem for up to 5 reward nights at select Choice Hotels® properties
  • 0% APR Introductory Rate period: N/A
  • No Annual Fee
  • Choice Privileges Gold Elite Status
  • Points Transfer Options
  • Global Hotel Network
  • No Foreign Transaction Fees
  • Subpar Earnings Outside Bonus Categories
  • Limited Advance Booking for Award Stays
  • Points Plus Cash Copay Requirement
  • Emphasis on Budget and Mid-Range Properties

Can I transfer points from other credit card programs to Choice Privileges®?

Yes, the card allows point transfers from programs like American Express Membership Rewards and Capital One Miles.

What is Choice Privileges Gold Elite status?

Gold Elite status provides a 10% bonus on points, early check-in, late check-out, reserved parking, and a welcome gift at select Choice Hotels.

How soon can I book award stays with Choice Privileges Rewards?

Award stays can be booked up to 100 days in advance through the Choice Privileges Rewards program.

Are there any limitations on the Choice Hotels portfolio?

The portfolio leans towards budget and mid-range properties, with fewer options for luxury accommodations, especially in the U.S.

What is the Points Plus Cash option for bookings?

It allows cardholders to use a combination of points and a cash copay for making bookings.

Can I book award stays with Choice Privileges Rewards Exchange partners?

Yes, some airlines include Alaska Mileage Plan, Aeromexico Rewards, Qantas Frequent Flyer, United MileagePlus, Air Canada Aeroplan, and Southwest Rapid Rewards.

Wells Fargo Reflect℠ Card

Wells Fargo ReflectSM Card (1)

Wells Fargo Reflect℠ Card

Reward details

N/A

Current Offer

N/A

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

21 months on purchases and balance transfers

APR

18.24% to 29.99% variable APR

The Wells Fargo Reflect℠ Card offers one of the longest 0% intro APR in the market – 21 months on purchases and balance transfers (18.24% to 29.99% variable APR after that), which mainly relevant for those who are looking to pay off their debt or planning a big purchase in the next couple of months.

The card also offer perks such as Roadside Dispatch – 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when you need them. You're eligible for cell phone protection (up to $600 worth) and zero liability protection – you will not be held responsible for any unauthorized transactions that you have promptly reported

However, while there is no annual fee attached, the card doesn't offer any type of cash back rewards or sign up bonus, so if you're looking for rewards you may choose another card.  

  • Rewards Plan: N/A
  • APR: 18.24% to 29.99% variable APR
  • Annual fee: $0
  • Balance Transfer Fee: 5$ or 5% (the greater)
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: N/A
  • 0% APR Introductory Rate period: 21 months on purchases and balance transfers
  • No Annual Fee
  • 0% APR Introductory Rate
  • Roadside Dispatch
  • Cell Phone + Zero Liability Protection
  • No Cashback Rewards
  • No Welcome Bonus
  • Foreign Transaction Fee
  • Balance Transfer Fee

Yes, it offers rental insurance for cars if you pay for the full cost with this credit card and you decline the rental company’s insurance. Please review the specific details before, to make sure you're covered as needed.

There are no out and out income requirements and normally you will not have to provide proof of income.

Perhaps you did not meet all of the requirements. You can ask the customer service team what you need to do to get accepted or you can look at other card options.

 You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no such cap in place for you to consider.

 You are not able to earn any sort of rewards when you are using the Wells Fargo ReflectSM Card to make purchases, so there is no such cap in place for you to consider.

Yes, you can get pre-approval when you are signing up for a Wells Fargo ReflectSM Card. This allows you to see if you can get your hands on this card without needing a hard credit check.

The credit limit for this type of credit card is usually at least $500. The exact limit will depend on your personal financial situation that you have outlined in your application.

What Credit Score Do You Need for Wells Fargo Cards?

Wells Fargo has a focus on keeping customers informed about their FICO scores, with online tools to help you to keep track of any changes in your score. However, for many of the Wells Fargo credit cards, you will need a good to excellent score to qualify. This means that you will need a score of 690 or more to successfully apply for a card.

The reason for this is the generous rewards offered across the board with the range of Wells Fargo cards. There is no annual fee for any of the current Wells Fargo cards, which is unusual in today’s marketplace.

Additionally, you can earn some impressive rewards. You can earn up to 5x rewards on your purchases, so Wells Fargo is targeting customers with an established record for creditworthiness.

Once you qualify, your APR, after any introductory bonuses will be determined by your creditworthiness. So, those with excellent credit scores will attract a lower rate.

The only exception to the high credit score requirements is the Cash Back College. Since this card is designed to help college students build their credit, the credit score requirements are far more flexible.

How Do Wells Fargo Points Rewards Program Work?

The Wells Fargo Go Far Rewards program is a loyalty program offered by Wells Fargo to its banking and credit card customers.

Points earned in the Go Far Rewards program can typically be redeemed for various options, including travel, merchandise, gift cards, and more.

Common redemption options include:

  • Travel Rewards: Points can be redeemed for flights, hotel stays, car rentals, and other travel-related expenses.
  • Cash Back: Some cash back options may be available, allowing you to receive statement credits or cash deposits.
  • Merchandise: Points can often be used to purchase a range of products, including electronics, apparel, and more.
  • Gift Cards: You may be able to redeem points for gift cards from a variety of retailers.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How to Maximize Wells Fargo Credit Cards?

With such a simple reward structure, you don’t need to be highly strategic to maximize your rewards. You don’t need to time purchases or wait for specific offers to get the most amount of points. However, there are some tips and tricks that can help you.

If you are disciplined about using your card and can pay off these purchases at the end of each month, you can maximize your rewards by focusing on these categories. Many of the Wells Fargo cards including Rewards, Cash Back College and Visa Signature offer a far higher reward rate of up to 5x on these purchases.

Part of the Wells Fargo cards offer an introductory bonus, so in case you're eligible – it can be a nice option to increase rewards . For example, the Active Cash card provides $200 cash rewards bonus when you spend $500 in purchases in the first 3 months.

Wells Fargo will suspend your rewards if you are late making your credit card payments. While this suspension will be released when your account is up to date, you could miss out on a really good deal. During a suspension, you will be unable to redeem or trade your points, so it could prevent you from getting the maximum redemption at the opportune time.

Wells Fargo does allow family members and friends to pool their points. So, think about teaming up if you want to save for a great reward. You could use your communal rewards to pay for a superb group vacation.

Most reward points have a five year expiration. So, don’t leave money on the table by allowing your points to expire. If you’re approaching the expiration point and you’re still unsure how to spend your points, simply request gift cards or statement credit, so they don’t go to waste.

What Are the Other Benefits of Having a Wells Fargo Card?

Each card has its own advantages, but there are some great benefits associated with having a Wells Fargo card. These include:

  • Travel Protections: Some cards offer some fantastic travel protections including travel accident insurance trip cancelation protection, lost luggage reimbursement, 24/7 travel assistance, auto rental collision coverage and emergency card replacement.
  • Travel Features: There are also offers some hotel benefits such as 24/7 complimentary concierge service.
  • Cell Phone Protection: Many of the Wells Fargo cards offer cell phone protection. This protects against theft or damage when you pay your monthly cell bill using your card.
  • Zero Liability Protection: This protects you from unauthorized transaction liability when you promptly report them.
  • Activity Alerts: You can enjoy account and card activity alerts to track purchases and your spending.
  • Overdraft Protection: You can link your credit card to your Wells Fargo checking account to cover a negative balance and prevent overdraft fees.
  • Retail Protection: Some Wells Fargo cards offer coverage for eligible items purchased using your card. This provides 90 days of coverage should they be stolen or damaged.
  • Extended Warranties: You can also double the manufacturer’s original warranty on eligible purchases.
  • Budget Watch: This is a great tool to help you get your finances on track. You can set budgets, maintain budget goals, track your income and spending, and even view charts and graphs. 

How Many Wells Fargo Credit Cards Can I Have at One Time?

There are no hard and fast rules that prevent you from having multiple Wells Fargo cards at any one time. However, the company does stipulate that you may not qualify for another Wells Fargo card if you’ve opened a Wells Fargo credit card account in the last six months.

This means that you will need to adequately space out your applications, or even if you have an excellent credit score, you may be rejected.

Additionally, since the rewards programs are so generous, the company is likely to be hesitant to permit multiple cards that will allow rewards stacking.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How We Picked The Best Wells Fargo Cards: Methodology

To select the best Wells Fargo credit cards, our team thoroughly researched various offerings from Wells Fargo, analyzing their features and benefits across two key categories:

  • Rewards Program (50%): We evaluate the rewards structure, including the type of rewards offered (points, cash back, or miles), earning rates per dollar spent, bonus categories for accelerated rewards, and flexibility in redemption options. Wells Fargo cards with generous rewards rates, diverse redemption choices, and valuable sign-up bonuses receive higher scores in this category.

  • Card Features & Benefits (50%): This category assesses additional features that enhance the overall value of the card, such as introductory APR offers, absence of foreign transaction fees, complimentary airport lounge access, travel credits, purchase protection, and extended warranty coverage. Wells Fargo cards offering a wide range of benefits without excessive fees earn higher scores.

This comprehensive evaluation ensures that the best Wells Fargo credit cards offer valuable rewards, benefits, and a seamless user experience while maintaining a positive reputation, catering to the preferences of cardholders seeking Wells Fargo products.

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Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.