Wells Fargo Credit Card Review 2024

Wells Fargo offers a range of credit cards tailored to different financial needs, from cash back to travel rewards and credit-building options. This review covers the top Wells Fargo credit cards in 2024, including key features, pros, and cons.

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Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card is a top choice for those seeking high flat-rate cashback without the hassle of tracking categories.

• Bonus: $200 cash rewards after $500 in purchases in the first three months.
• Rewards Rate: Unlimited 2% cash back on every purchase.
• APR: 0% introductory APR for 15 months on purchases and balance transfers, then 20.24%-29.99% variable APR.
• Annual Fee: $0.
• Foreign Transaction Fees: 3%.

Pros:

• High cashback rate with no spending caps or categories to track.
• Long introductory 0% APR period.
• No annual fee.

Cons:

• 3% foreign transaction fee, making it less ideal for international use.
• Balance transfer fees apply (3% for the first 15 months, then 5%).

Best for: Individuals looking for a straightforward flat-rate cashback card with no annual fee and a long 0% intro APR period.

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Wells Fargo Reflect® Card

The Wells Fargo Reflect® Card is ideal for those looking for a long 0% introductory APR period to pay down debt or finance large purchases.

• Bonus: None.
• Rewards Rate: None.
• APR: 0% introductory APR for up to 21 months on purchases and qualifying balance transfers, followed by 18.24%-29.99% variable APR.
• Annual Fee: $0.
• Foreign Transaction Fees: 3%.

Pros:

• One of the longest 0% intro APR offers on the market (up to 21 months)
• No annual fee.

Cons:

• No rewards program.
• Foreign transaction fees make it less suitable for international use.

Best for: People looking to pay down existing debt or finance large purchases without interest for an extended period.

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Wells Fargo Autograph℠ Card

The Wells Fargo Autograph℠ Card offers a great rewards program on popular spending categories like dining, travel, and streaming services.

• Bonus: 20,000 points after spending $1,000 in the first 3 months.
• Rewards Rate: Earn 3x points on dining, travel, gas stations, transit, streaming services, and more.
• APR: 0% introductory APR for 12 months on purchases, then 20.24%-29.99% variable APR.
• Annual Fee: $0.
• Foreign Transaction Fees: None.

Pros:

• High rewards rate on popular categories like dining, travel, and gas.
• No annual fee and no foreign transaction fees.
• 0% intro APR on purchases for the first 12 months.

Cons:

• Lower rewards rate on general purchases (1x points).

Best for: Individuals who frequently spend on dining, entertainment, and travel and want to maximize their rewards with no annual fee.

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Final Thoughts

Wells Fargo offers a diverse portfolio of credit cards to suit different financial needs, whether you’re looking for high flat-rate cashback, rewards on dining and travel, or credit-building options. The Wells Fargo Active Cash® Card is an excellent choice for those seeking a simple and rewarding cash back card, while the Wells Fargo Autograph℠ Card is great for travelers and foodies. If your priority is paying down debt, the Wells Fargo Reflect® Card offers one of the longest intro APR periods on the market.

Ultimately, your best choice will depend on your spending habits and financial goals, so be sure to evaluate each card’s fees, APR, and rewards structure carefully.

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Frequently Asked Questions (FAQs)