Top Wells Fargo Credit Cards
Wells Fargo is one of the largest banks in the world and at one point, just a few years ago, it was the largest bank in the United States. Founded over 150 years ago by Henry Wells and William Fargo, this financial powerhouse earns nearly $90 billion in revenue, a large chunk of which comes from Wells Fargo credit cards.

We’ve already reviewed the cards on offer by rival banks by Chase and by networks like American Express, now it’s time to put the best and worst Wells Fargo credit cards under the microscope.

Best and Worst Bank of America Credit Cards

Wells Fargo have a number of great rewards cards, a few of which we have highlighted already. The terms of these cards are subject to change and may not be preferable to everyone. It all depends on your situation and personal finances, so don’t just take our word for it and make sure you do your own research.

The Best: Wells Fargo Cash Wise Visa

Best Wells Fargo Credit Cards

A “Good” credit rating is all it takes to get this great credit card. We’re spoilt in this country when it comes to cash back credit cards, with everything from the very generous Discover It, to a wealth of American Express cards and this Wells Fargo Cash Wise card.

It has a solid steady rate, a bonus rate, some low fees and a great interest rate. If you have a credit score big enough then this is definitely a card you should look into.

Wells Fargo Cash Wise Rewards

  • Earn 1.5% cash back on all purchases that you make, with no limits, spending categories or other restrictions.
  • Earn as much as 1.8% cash back when you make payments through qualifying wallets (Apple and Android Pay included) in the first year.
  • Get a bonus of $200 when you open your account and spend $1,000 in the first three months of your membership.
  • Get cell phone insurance worth up to $600. Any time it is lost, stolen or broken, you can get the full amount subject to a $25 deductible.

Wells Fargo Cash Wise Rates

  • 0% interest for the first 12 months on both balance transfers and purchases.
  • 0% annual fee for the lifetime of the card.
  • APR between 14.74% and 26.4% when the introductory rate ends.
  • Other benefits available (free credit score, mobile pay, auto rental insurance, zero fraud liability).

Second Best: Wells Fargo Propel American Express Card

Wells Fargo Credit Card

The best rewards cards always seem to be Amex cards. This network may not be the most popular with retailers because of its high fees and this leads to poor availability, but they more than make up for this where the rewards are concerned.

Of course, limited availability means you might not be able to use the card every time you spend. But the number of retailers that accept Amex are increasing every year, with more than a million added to the list last year alone.

This card encourages you to eat out and go on vacation and you can also earn more when you buy gas. And unlike some other reward points schemes, these points actually have a respectable value and can earn you a significant amount of cash back every year.

Wells Fargo Propel Rewards

  • Get points every time you spend money on your Wells Fargo Propel card.
  • Earn three times as many points when you spend on vacations (flights, hotels and car rentals).
  • Earn three times as many points when you spend on gas.
  • Earn three times as many points when you spend on restaurants and takeout.
  • Get 30,000 bonus points when you spend $3,000 in the first three months of your membership.
  • 10,000 points equals $100, which means the bonus is worth a total of $300.

Wells Fargo Propel Rates

  • 0% annual fee for lifetime of the card.
  • 0% interest on purchases and balance transfers for the first year of your membership.
  • Regular APR of 14.24% to 26.74% when the introductory period ends.
  • Cell phone insurance and auto insurance available.
  • Other benefits also available (free credit score, travel insurance, zero fraud liability and more).

Third Best: Wells Fargo Platinum Visa Card

The Wells Fargo Platinum Card has some big benefits and some great rates, but it doesn’t really compare to the two Wells Fargo credit cards mentioned above. There are no cash back or airmile schemes and there is also no cash bonus when you signup.

Not everyone will benefit from a rewards card, of course. If you don’t pay off your credit card every month then a card that focuses more on great rates and less on great rewards may be better suited. Such is the case with the Wells Fargo Platinum.

Wells Fargo Platinum Rates

  • No annual fee.
  • 0% APR on purchases and balance transfers for the first 18 months of membership.
  • APR of 16.90% to 24.74% after introductory period ends.

Wells Fargo Platinum Benefits

  • Coverage of up to $600 on your cell phone (theft, damage, loss).
  • Access to a free Credit Score with Wells Fargo Online.
  • Zero fraud liability.
  • Access to a host of tools (including the My Money Map) to help you budget and save.
  • Travel accident insurance and auto rental insurance.
  • Free roadside assistance.

The Worst Wells Fargo Credit Card

Wells Fargo Credit Cards

The Wells Fargo Platinum Visa is the one that has the most negative reviews and the one that offers customers the least amount of benefits. There aren’t a great deal of Wells Fargo credit cards out there right now, so this one manages to make it onto both our “worst” and “best” list.

As we said above though, it’s all down to personal preference and to your financial situation. Most customers will be offered similar interest rates on all of the aforementioned Wells Fargo credit cards, but the Platinum Visa has a longer 0% introductory rate and this may make it a better option for customers struggling with debt.

It’s important not to be tempted by rewards cards when you’re in this situation. If you are in the red every month then no amount of cash back will help you out and you will end up spending a lot more on interest payments, late fees and other penalty fees than you will ever earn back from rewards.

To learn more about this, read our guide to how credit card interest works. You should also take a look at our infographic detailing the issue with credit card debt in the US, as well as this article on the best credit card issuers.