Best Wells Fargo Credit Cards [March 2026]
8 active cards • Updated March 2026
Which Wells Fargo Card Is Right for You?
All Wells Fargo Credit Cards Ranked
Showing all 8 active Wells Fargo cards. Annual fees range from $0 to $99 — 5 cards have no annual fee.
- 5x hotels, 4x airlines, 3x other travel & dining
- $600 bonus (60K points) after $4,000 spend in 3 months
- $50/month travel credit offsets $95 annual fee
- 3x points on dining, travel, gas, transit, streaming & phone plans
- $200 bonus (20K points) after $1,000 spend in 3 months
- No annual fee + cell phone protection
- 2% cash rewards on every purchase, no caps
- $200 bonus after $500 spend in first 3 months
- Cell phone protection up to $600/claim
- 3x OneKeyCash on all Expedia.com bookings
- 2x on dining, 1x everywhere else
- Use OneKeyCash instantly on Expedia, Hotels.com & Vrbo
- 10x at Choice Hotels, 5x at gas & grocery stores
- Complimentary Gold elite status + annual free night
- Best value for frequent Choice Hotels guests
- Earn points on rent with no transaction fee (1x, up to 100K pts/year)
- 3x dining & 2x travel on Rent Day (1st of month)
- Transfer to United, Hyatt, American, and 11 more partners
- Unlimited 2% cash back on all business purchases
- No annual fee — keeps costs simple
- Cell phone protection & Visa Signature business benefits
- 5x at Choice Hotels, 3x at gas & grocery stores
- No annual fee — earn free nights without paying a fee
- Good for occasional Choice Hotels stays
Card details are subject to change. Verify rates and fees with Wells Fargo before applying.
Wells Fargo Credit Cards Comparison
| Card | Annual Fee | Best Rate | Signup Bonus | Best For |
|---|---|---|---|---|
| Autograph Journey | $95/yr | Up to 5x | $600 | 5x hotels, 4x airlines, 3x other travel & dining |
| Autograph | No fee | Up to 3x | $200 | 3x points on dining, travel, gas, transit, streaming & phone plans |
| Active Cash | No fee | 2% flat | $200 | 2% cash rewards on every purchase, no caps |
| Expedia One Key+ | $99/yr | Up to 3x | — | 3x OneKeyCash on all Expedia.com bookings |
| Choice Privileges Select | $95/yr | Up to 10x | — | 10x at Choice Hotels, 5x at gas & grocery stores |
| Bilt | No fee | Up to 3x | — | Earn points on rent with no transaction fee (1x, up to 100K pts/year) |
| Signify Business Cash | No fee | 2% flat | — | Unlimited 2% cash back on all business purchases |
| Choice Privileges | No fee | Up to 5x | — | 5x at Choice Hotels, 3x at gas & grocery stores |
How Wells Fargo Rewards Work
- Earning: Cards earn Wells Fargo Rewards points (or cash back) at 1x–10x depending on the card and category.
- Redeeming: Points are worth 1 cent each toward travel bookings, 0.5–1 cent for cash/statement credit, or can be transferred to Choice Hotels (1:1) and Expedia One Key (1:1).
- Cell phone protection: Every Wells Fargo credit card covers your cell phone — up to $600 per claim — when you pay the monthly wireless bill with your card.
- Pairing strategy: Combine the Active Cash (2% on everything) with the Autograph (3x on categories) to maximize every dollar of spending.
How to Maximize Wells Fargo Rewards
- All Wells Fargo credit cards include cell phone protection — up to $600/claim when you pay your monthly bill with your card.
- Wells Fargo Rewards points from the Autograph and Autograph Journey can transfer to Choice Hotels and Expedia One Key for extra value.
- The Autograph card earns 3x points on 6 everyday categories — dining, travel, gas, transit, streaming, and phone plans — with no annual fee.
Frequently Asked Questions
What is the best Wells Fargo credit card?
For most people, the Wells Fargo Autograph is the best choice: 3x points on six everyday categories (dining, travel, gas, transit, streaming, phone plans) with no annual fee. If you prefer simplicity, the Active Cash earns a flat 2% on everything.
Do all Wells Fargo cards include cell phone protection?
Yes. All Wells Fargo credit cards include cell phone protection — up to $600 per claim (with a $25 deductible) when you pay your monthly wireless bill with your Wells Fargo card. This alone is worth $10+/month in coverage value.
How do Wells Fargo Rewards points work?
Wells Fargo Rewards points can be redeemed for cash back (0.5–1 cent/point), travel bookings through the Wells Fargo portal (1 cent/point), gift cards, or transferred to Choice Hotels Preferred Rewards (1:1 ratio) or Expedia One Key.
Is the Wells Fargo Autograph Journey worth the $95 annual fee?
Yes, if you travel and spend $4,000+ on the card annually. The $600 welcome bonus alone offsets 6+ years of fees, and the card's 5x/4x/3x earning structure delivers strong returns for frequent travelers.
What credit score do I need for a Wells Fargo credit card?
Most Wells Fargo rewards cards require good to excellent credit — a FICO score of 670 or higher. The Autograph and Active Cash typically require 700+. Wells Fargo may also consider your existing banking relationship.
Can I have multiple Wells Fargo credit cards?
Yes. Wells Fargo allows cardholders to hold multiple credit cards. A popular combination is the Active Cash (for flat-rate purchases) plus the Autograph (for 3x categories), maximizing rewards across all spending.
Does Wells Fargo do a hard pull for credit card applications?
Yes. Wells Fargo performs a hard credit inquiry on all new card applications. This typically reduces your credit score by a few points temporarily.
Is the Bilt Mastercard a Wells Fargo card?
Yes. The Bilt Mastercard is issued by Wells Fargo. It is the only major card that earns rewards on rent payments with no transaction fee, and its points transfer to 14 airline and hotel programs including Hyatt and United Airlines.