Top 6 Best Wells Fargo Credit Cards | 2017 Ranking & Reviews | Wells Fargo Secured, Student, Rewards, Business, Cash Back Cards

2017 RANKING & REVIEWS
TOP RANKING CREDIT CARDS FOR WELLS FARGO

Finding the Right Wells Fargo Credit Card

When it comes to offering a variety of credit cards, Wells Fargo is a bank that delivers. While these credit cards don’t often come with the most profound benefits or largest rewards offers, Wells Fargo is a solid bank with a litany of credit card offers.

With credit cards for students, business, travel, rewards, cash back and more, there truly is something for everyone at Wells Fargo.

There are many benefits to getting a Wells Fargo credit card, but when you are looking for one, you have to consider several features. There are rewards, introductory APR offers, annual and foreign transaction fees, and special offers to consider. Even if a card has some attractive features, that doesn’t mean that it is right for you.

Award Emblem: Top 6 Best Wells Fargo Credit Cards

Do not simply choose the first card that you find; rather, do some research. It is important to not just get any Wells Fargo credit card, but to get the best Wells Fargo credit card for you. While it is generally time consuming to sort through all of the Wells Fargo credit cards rewards and offers, we have eliminated hours of research for you.

Take a few minutes to read through these top six Wells Fargo credit card offers that we have put together.

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List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):

• Wells Fargo Cash Back College Card
• Wells Fargo Cash Wise Visa® Card
• Wells Fargo Propel American Express® Card
• Wells Fargo Rewards® Card
• Wells Fargo Secured Credit Card
• Wells Fargo Visa Signature® Card

Top 6 Wells Fargo Credit Card Offers | Brief Comparison & Ranking

Table: Top 6 Wells Fargo Bank Credit Card | Above list is sorted alphabetically

Wells Fargo bank has a rich 160-year history that is linked to the Gold Rush in the early 20^th century. The company has earned a reputation of loyalty to its customers and brings a buffet of banking options to the world of finance. They have acted as a pioneer in bringing banking convenience to their customers.

Source: US News

From personal and small business to commercial banking, Wells Fargo offers a variety of services that are centered on customer service and convenience. Aside from Wells Fargo credit cards, the bank also offers services, including, but not limited to:

• Asset management
• Corporate trust services
• Shareowner services
• Retirement services
• Benefits consulting
• Capital finance
• Commercial real estate
• Investment banking
• Securities and markets
• Accounts payable & receivable
• Payroll services
• Foreign exchange

While this is just a small example of the services that Wells Fargo offers, it gives you an idea of the expertise and experience that Wells Fargo has under their belt. Aside from this, Wells Fargo credit cards are a core part of the bank’s business.

Detailed Overview of How Wells Fargo Credit Cards Stand Out

Aside from offering a variety of credit cards ranging from secured to business to cash back, Wells Fargo credit cards stand out in a different way. If you are a Wells Fargo bank member, your Wells Fargo credit card and bank accounts will all be on one platform. This makes banking more convenient and keeps your finances organized.

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Wells Fargo is also one of the only banks that offers physical cash rewards for their credit cards. You can actually redeem your Wells Fargo credit card rewards right at a Wells Fargo ATM for $20 bills. This makes reward redemption convenient and easy for a Wells Fargo cash back card.

Smartphone users will love the cell phone protection that Wells Fargo offers with their credit cards. If you pay your bill with a Wells Fargo credit card and your card is ever broken or stolen, you can receive up to $600 of coverage. You will have to cough up a $25 deductible, but Wells Fargo is the only major credit card issuer that offers this feature.

Wells Fargo credit cards also come with loyalty bonuses. With some credit cards at Wells Fargo, if you keep a qualifying savings or checking account with the bank, you might get a 10% rewards bump on non-bonus rewards that you earned.

Detailed Overview of What to Look for in a Wells Fargo Credit Card

Like other credit cards, when you are looking at a Wells Fargo credit card review, there are certain things to look for. The features that you look for in a Wells Fargo bank credit card should include a combination of the following:

• No fees
• Low APR
• Introductory APR offer
• Sign up bonus
• Continual rewards
• Unsecured vs. secured credit card
• Type of rewards cards

Overall, when you are considering Wells Fargo credit cards, it is important to look at the Wells Fargo credit card rewards. Whether you want a Wells Fargo unsecured credit card or a Wells Fargo secured credit card should also be considered.

When you are looking for a Wells Fargo credit card, you want to consider whether it comes with fees. Credit cards without annual fees, foreign transaction fees, or balance transfer fees are a bonus.

When it comes to annual percentage rates, you will want a Wells Fargo Bank credit card that has the lowest. If there is an introductory 0% APR period for purchases and/or balance transfers, that is also beneficial.

Finally, it is important to consider what type of credit card you want. You can get a Wells Fargo student credit card, a Wells Fargo rewards card, a Wells Fargo business credit card, and there are even Wells Fargo travel credit cards. The best Wells Fargo credit card will have the rewards and features that are most beneficial to you.

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Detailed Review – Top Ranking Best Wells Fargo Credit Card

Below, please find the detailed review of each card on our list of the best Wells Fargo credit cards. We have highlighted some of the factors that allowed these Wells Fargo credit card offers to score so highly in our selection ranking.

The Wells Fargo Cash Back College Card is a Wells Fargo college credit card that has several benefits. If you need a Wells Fargo student credit card, this is a good option for you.

Fees & Terms 

This Wells Fargo student credit card has no annual fee, which right off the bat helps keep your balance down. It also comes with an introductory period that gives you 0% APR on purchases and balance transfers for six months. This is a great benefit if you are heading to college and would like to defer the hefty costs of your textbooks or meal plan for a few months. 

After the introductory 0% APR period on this Wells Fargo college credit card ends, your interest rates will jump up. Depending on your creditworthiness, your APR on purchases and balance transfers will fall somewhere between 11.40% and 21.40%. The APR will vary based on the U.S. Prime Rate.

Building Credit     

A Wells Fargo student credit card is a great way to build up credit. Having this – or any – card in your wallet gives you the chance to build up a credit history. You will also get access to online credit tools and education when you open the Wells Fargo Cash Back College Card.

If this is your first Wells Fargo credit card, or any credit card for that matter, it is important to work toward strong credit. In order to build up good credit, you can employ the following tips:

• Pay your bills on time, every time. 

• Pay more than the minimum amount every month. If you don’t pay off the balance in full, your purchases will accrue interest.

• Only charge what you know you can pay back. 

• Check your credit report at least once per year.

• Keep your balance low in relation to your credit limit. If your credit limit is $2,000, having $1,900 charged doesn’t look good. 

By utilizing these tips, you can work toward building strong credit with your Wells Fargo college credit card.

Rewards & Bonus Features

With the Wells Fargo college credit card, you can also earn rewards. You will earn 3% cash back for every dollar spent on gas, grocery, and drugstore purchases for the first six months. After that, you will earn 1% cash back.

To redeem the rewards that you earn with your Wells Fargo student credit card, you can have the cash deposited in $25 increments to your Wells Fargo savings account. You can also redeem them for qualifying products, gift cards, or request a paper check for the amount. What really sets Wells Fargo credit card rewards ahead of the competition is that you can also redeem rewards in $20 increments right at a Wells Fargo ATM.

In addition to the rewards opportunities listed above, the Wells Fargo college credit card offers:

• Emergency credit card replacement

• Roadside dispatch

• Travel and emergency assistance services

• Cell phone protection

Bottom Line 

If you are heading to college, the Wells Fargo student credit card is definitely a credit card to consider. With no annual fee, an introductory APR period, and the opportunity to build credit while earning continual rewards, the Wells Fargo Cash Back College Card is a great credit card to have. 

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Wells Fargo Cash Wise Visa® Card Review

The Wells Fargo Cash Wise Visa® Card is a great cash back rewards credit card. This Wells Fargo cash back card has a variety of features that helped it make our list of the top six Wells Fargo credit card offers.

Fees & Terms 

This Wells Fargo cash back card has no annual fee and a 0% APR introductory period that lasts an impressive 15 months for both purchases and balance transfers. After this initial period, your APR will increase to somewhere between 13.24% and 25.24%. This is dependent on your creditworthiness, and the APR will vary with the market.

 Cash Back Earning & Redemption

The Wells Fargo Cash Wise Visa® Card is a Wells Fargo cash back card that has a few different ways to earn cash back. 

You will earn 1.5% cash back on every purchase, every day. You will also get 1.8% cash rewards on Android Pay or Apply Pay mobile wallet purchases during the first 12 months. These rewards never expire, which is another plus for this Wells Fargo cash back card.

To redeem the cash rewards you have earned with your Wells Fargo cash back card, you can do one of the following:

• Withdraw in $20 increments from a Wells Fargo ATM 

• Direct deposit rewards into your checking account

• Apply as a credit to a Wells Fargo mortgage principal 

Bottom Line

The Wells Fargo Cash Wise Visa® Card is a good Wells Fargo cash back card. It allows you to easily earn and redeem points. Wells Fargo is one of the few larger banks that actually allows you to withdraw your rewards right from an ATM. This is a great feature that sets it apart from the competition.

The Wells Fargo Propel American Express® Card is a good card for businesses. While there is no unsecured Wells Fargo business credit card specifically, this card has features that business owners will love.

Fees & Terms 

First and foremost, there is no annual fee with this Wells Fargo business credit card. Though not significant, this is one less expense that your business will have to worry about.

You will also get a 0% APR introductory period for purchases and balance transfers that lasts for an impressive 15 months. This Wells Fargo business credit card gives you the chance to defer larger expenses for 15 months. This is great if you need to purchase equipment or inventory, or if you are experiencing a slight seasonal drop in business.

After the introductory period, your APR will be between 13.24% and 25.24%. Again, this number is determined based on your credit history.

Cash Back Earning & Redemption

This Wells Fargo business credit card has great rewards earning potential. You will get 3 points on gas purchases, 2 points at restaurants, and 1 point per dollar spent on all other purchases. There is no limit to the points that you can earn, and if you maintain a qualifying Wells Fargo bank account, you can get an annual 10% bonus on your earned points. 

You will have five years to redeem points, and they can be redeemed for flights, merchandise, hotels, cash, and more. This is great for a business, because you are earning points on purchases that you would make regardless.

Bottom Line

If you are looking for a Wells Fargo business credit card, you should definitely consider the Wells Fargo Propel American Express® Card. This card has no annual fee, a 15-month 0% APR offer, and the ability to earn large rewards. With five years to redeem your points and a variety of redemption offers, every business can take advantage. 

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Wells Fargo Rewards® Card Review

The Wells Fargo Rewards® Card is a Wells Fargo rewards card that can net you large rewards on regular purchases. With many unique features, the Wells Fargo Rewards® Card is a good card to include in your search for the best Wells Fargo credit card.

Fees & Terms

There is no annual fee with this Wells Fargo rewards card. You will also get a 15-month 0% APR introductory period for both purchases and balance transfers. After this intro period, your APR will fall somewhere between 12.40% and 26.24%.

Rewards Earning & Redemption

The Wells Fargo credit card rewards that come with this card are impressive. You will earn:

• 5 points per dollar on grocery, gas, and drugstore purchases for the first six months​

• 1 point per dollar spent on all other purchases 

• Extra points at your favorite stores when you shop our Earn More Mall

It is easy to redeem points, as well. You can use your points towards any of the following:

• Use toward travel, gift cards, merchandise, online auctions, etc. 

• Put toward hotels, car rentals, cruises, and experiences

• Apply to a qualifying Wells Fargo account

• Request a paper check

• Gift points to a charity or to a Go Far® Rewards customer

This Wells Fargo rewards card also offers emergency card replacement, travel accident insurance, cell phone protection, and roadside dispatch services.  

Bottom Line 

If you want to earn rewards with a Wells Fargo credit card, this is a great option. For the first six months, you will earn an impressive 5 points on grocery, drugstore, and gas purchases. The points earned with this Wells Fargo rewards card can also be redeemed in a variety of ways, which gives you plenty of options. 

The Wells Fargo Secured Credit Card is a secured credit that will allow you to establish, or improve your credit history. If you are new to the world of credit or have a shaky past, this Wells Fargo secured credit card might be able to help you. This is not a debit or a prepaid card, and it will be accepted wherever Visa is accepted. 

Fees & Terms

You will see a $25 annual fee with this Wells Fargo secured credit card. There is also a set APR of 19.24% for purchases and balance transfers, and no introductory period.

You will need to put up a security deposit for the Wells Fargo secured credit card. The minimum amount to put down is $300, and your credit line will be equal to your security deposit. The maximum security deposit that you can put down is $10,000, which would give you a $10,000 credit line. 

Your security deposit for a Wells Fargo secured credit card will be held in a non-interest bearing account until you either upgrade or close your account. 

Moving to a Wells Fargo Unsecured Credit Card

It is possible to upgrade from a Wells Fargo secured credit card to a Wells Fargo unsecured credit card. Over time, you may become eligible to upgrade to a Wells Fargo unsecured credit card, depending on how well you manage your secured account. 

Only U.S. citizens are eligible for an upgrade. If you make your payments on time and manage your account properly, you might qualify. It is important to note that Wells Fargo shares your usage with the main credit bureaus, who calculate your credit score themselves. 

Bottom Line 

The Wells Fargo Secured Credit Card is a credit card that is a good option for someone searching for a secured credit card. While other issuers don’t limit your credit limit to your security deposit amount, this is still a good option for a Wells Fargo secured credit card.

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The Wells Fargo Visa Signature® Card is one of the Wells Fargo travel credit cards that have several unique features.

Fees & Terms

This Wells Fargo travel credit card has no annual fee, which means that you can earn travel rewards without paying an upfront fee. It also offers a 0% APR on purchases and balance transfers for six months. This is a shorter period than other cards on our list, but the travel rewards potential with this card make up for it. 

After the initial period, you will see an APR between 11.40% and 21.40%. This depends on your creditworthiness and the market-based U.S. Prime Rate. There is also a 3% foreign transaction fee, which you need to be aware of if you plan on using this card outside of the United States.

Travel Rewards Earning 

This Wells Fargo travel credit card really excels when it comes to travel rewards earning and redemption. For the first six months, you will earn 5 points per dollar spent on grocery, gas and drugstore purchases. After that, you will earn 1 point per dollar on all purchases. 

What makes this one of the better Wells Fargo travel credit cards is that your points have 50% more value when redeemed for airfare. There are also no blackout dates, advanced booking, or minimum stay requirements. Aside from that, points can also be redeemed for hotels, cruises, car rentals, gift cards, and even cash. 

To take it a step further, this Wells Fargo travel credit card also offers:

• Trip cancellation protection

• Lost luggage reimbursement

• Travel accident insurance

• Auto rental insurance 

• 24/7 Concierge service

• Cell phone protection

Bottom Line 

When it comes to travel rewards, this Wells Fargo travel credit card is a great option. Really, the only drawback here is that there is a 3% foreign transaction fee if used out of the country, and after the first six months, you are only earning 1 point per dollar spent. However, with easy earning and redemption, and a litany of extra travel benefits, the Wells Fargo Visa Signature® Card is a great travel credit card.

There are many Wells Fargo credit card offers available right now. You can get a Wells Fargo college credit card, a Wells Fargo rewards card, a Wells Fargo cash back card, or a Wells Fargo business credit card. There is also the option for a Wells Fargo secured credit card, as well as unsecured ones. With so many options, it is important to do a thorough Wells Fargo credit card review for each card.

When selecting a Wells Fargo credit card, remember to consider the following features:

• No fees

• Low APR & introductory APR offer

• Sign up bonus & continual rewards

• Unsecured vs. secured credit cards

• Type of rewards cards

After considering what type of Wells Fargo bank credit card is a good option for you, it comes down to making your final decision. After doing a Wells Fargo credit card review of many different cards, we have narrowed the list down to the best Wells Fargo credit cards. After our research, here is a breakdown of the best Wells Fargo credit card for each category:

• Best Wells Fargo Student Credit Card: Wells Fargo Cash Back College Card

• Best Wells Fargo Rewards Card: Wells Fargo Rewards® Card

• Best Wells Fargo Business Credit Card: Wells Fargo Propel American Express® Card

• Best Wells Fargo Cash Back Card: Wells Fargo Cash Wise Visa® Card

• Best Wells Fargo Secured Credit Card: Wells Fargo Secured Credit Card

• Best Wells Fargo Travel Credit Card: Wells Fargo Visa Signature® Card

Each card on our list for the best Wells Fargo credit card has unique features. Whether you are looking for a Wells Fargo college credit card or larger Wells Fargo credit card rewards, they have something for everyone.  

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