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Wells Fargo may not be the first name that comes to your mind for getting a rewards credit card. However, as one of the nation’s largest banks, Wells Fargo offers several different credit cards from Visa and American Express. Which of the following is the best Wells Fargo Credit Card 2019 for you?
Best Wells Fargo Credit Cards 2019
If you want a no annual fee credit card, you will be pleased to know that most of the Wells Fargo credit cards don’t have one. You also have the option to earn travel reward credit cardss or cash rewards.
Tip: If you want to learn more about travel rewards vs cash rewards credit cards, check out our recent comparison of the Chase Sapphire Preferred vs the Capital One Quicksilver.
Best Wells Fargo Credit Cards for Travel Rewards
If redeeming rewards points for award flights is your preferred redemption option, it’s possible to make your points worth 50% more with these two Wells Fargo credit cards.
Wells Fargo Propel American Express Card
The Wells Fargo Propel American Express® Card is the best of the Wells Fargo credit cards. It’s easy to earn rewards points on your daily purchases and you won’t pay an annual fee or foreign transaction fee.
However, travelers can benefit the most from this card as your points can be worth 50% more than cash rewards by redeeming your points for airfare.
Right now, new cardmembers can earn the bonus offer of 30,000 bonus points worth at least $300 in cash or travel rewards by spending $3,000 in purchases in the first 3 months of account opening.
On top of the bonus points, you will also earn unlimited 3x points per $1 on these purchases:
- Eating out and ordering in
- Gas stations, rideshares, and transit
- Travel including flights, hotels, homestays, and car rentals
- Popular streaming services like Hulu, Netflix, and Spotify
All other eligible purchases earn 1x point per $1 spent.
You can redeem your rewards for travel, cash, and gift cards. But your points are worth 50% more when booking flights with points. For example, 50,000 points are worth $750 in air travel but only $500 for cash rewards. Keep in mind these are impressive rewards options for a card without an annual fee.
You might wait to apply for the Wells Fargo Propel if you have opened any Wells Fargo credit card in the last 15 months as you won’t qualify for this bonus offer until the waiting period lapses.
One other benefit you might enjoy is $600 in cell phone protection. Simply pay your monthly cell phone bill with the Propel Card to qualify.
According to reports from current Propel users, you can qualify for this card with a credit score in the high 600s or low 700s.
Wells Fargo Visa Signature Card
Maximize your gas, grocery, and drugstore purchases with the Wells Fargo Signature Card. You will earn 5x points on the first $12,500 in combined spending on gas, grocery, and drugstore purchases for the first 6 months. All other purchases earn an unlimited 1 point per $1 spent.
The Wells Fargo Visa Signature doesn’t charge an annual fee but has a 3% foreign transaction fee. Like the Wells Fargo Propel, your rewards points are worth 50% more when redeeming your points for award travel.
This card doesn’t offer a signup bonus or additional benefits beyond the standard Visa Signature benefits including trip cancellation protection, lost luggage reimbursement, and secondary auto rental collision coverage. You can also enjoy special benefits including complimentary breakfast and free in-room internet at over 900 properties in the Visa Signature Luxury Hotel Collection.
Best Wells Fargo Credit Cards for Cash Rewards
Maybe you like the flexibility of cash rewards. If so, it’s possible to get a card without an annual fee.
Wells Fargo Cash Wise Visa Card
The Wells Fargo Cash Wise Visa® Card earns unlimited 1.5% back on every purchase. However, this card charges a 3% foreign transaction fee and isn’t ideal for international travel. But it’s an excellent option for getting one of the best cash back rates on your daily spending at home.
New cardmembers can earn $200 bonus cash rewards after spending $1,000 in the first 3 months of account opening. For the first 12 months, you will earn 1.8% back on mobile wallet purchases.
Like the Wells Fargo Propel bonus offer, you will qualify for this bonus offer when you haven’t opened another Wells Fargo credit card in the most recent 15 months. This is the current policy for all Wells Fargo credit cards.
Best Wells Fargo Credit Cards for Building Credit
If you’re a college student or don’t have great credit yet, these Wells Fargo credit cards help you build a credit history so you can upgrade to better cards in the future.
Wells Fargo Cash Back College Card
College students can build credit and earn rewards on every purchase without paying an annual fee using the Wells Fargo Cash Back College Card. To qualify for this card, Wells Fargo requires an existing relationship with another banking or financial product they offer.
As a signup bonus, you will earn 3% back on the first $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months. After that, all purchases earn an ongoing 1% back. During the introductory period, all non-bonus purchases earn 1% back.
It’s also possible to earn bonus points at select shopping partners in the Wells Fargo Earn More Mall program.
You can redeem your rewards for travel, cash, and gift cards.
Wells Fargo Secured Credit Card
The Wells Fargo Secured Credit Card can be a good option when your credit score is below 600. Your credit limit will be equal to your refundable security deposit amount. To get a $500 credit limit, for instance, your security deposit must be $500.
Wells Fargo will report each on-time payment to the major credit bureaus. You can watch your FICO credit score grow for free on the Wells Fargo Online dashboard.
Unfortunately, this card doesn’t earn purchase rewards or have a signup bonus. But, you can enjoy free cell phone protection by paying your monthly cell phone bill with this card.
Before applying for this secured credit card, be aware there’s a $25 annual fee. Other secured cards charge annual fees as high as $49 but other banks will waive the annual fee. You will also an existing Wells Fargo checking or savings account. If you’re a loyal Wells Fargo customer, having a credit card in the same place you bank can keep life simple.
Summary of the Best Wells Fargo Credit Cards for You
Wells Fargo offers a variety of credit cards offering the chance to earn travel rewards, cash rewards, or to build credit. The best option for most will be the Wells Fargo Propel because of the many ways you can earn and redeem rewards points. If you don’t qualify for the Propel, the other options can be a step in the right direction in order to build a relationship with Wells Fargo.
The information for the Wells Fargo credit cards has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.