About Wells Fargo Credit Cards

Wells Fargo Synopsis 

Wells Fargo Summary: Wells Fargo is a full-service bank and lender. It also offers investment services and products for small businesses and corporations. It offers five personal credit cards with no annual fees. Four of its five credit cards include rewards and/or cash-back programs, including one that offers rewards for rent payments.  

Recommended for: Wells Fargo may be a good option for those who are looking to have all their banking services under one roof. It also offers special services for military members. While Wells Fargo is available nationwide through its online banking services, it’s important to note that it only has branches and ATMs in 36 states and the District of Columbia. (See the list below.) 

Pros and Cons of Wells Fargo 

Wells Fargo Reviews

Consumer Review Platform	Rating
Better Business Bureau	F Rating; 1.09/5 Stars with 893 Reviews
Sitejabber	1.2/5 Stars with 525 Reviews
Trustpilot	1.2/5 Stars with 1,311 Reviews
WalletHub	3.7/5 Stars with 12,239 Reviews

Wells Fargo Full Review 

Wells Fargo is a full-service bank, lender, and investment firm.  

It offers the following products and services: 

• Checking accounts 
• Savings & CDs  
• Credit cards 
• Home loans 
• Personal loans 
• Auto loans 
• Investing & Wealth Management 
• Small business banking 
• Commercial banking 
• Corporate and investment banking 

When it comes to credit cards, Wells Fargo offers ten personal credit cards and one business credit cards. By comparison, Chase Bank offers more than 25 personal credit cards.  

However, all of the personal credit cards come with no annual fees. It also offers one unique credit card, the Bilt Mastercard, which gives customers the opportunity to earn reward points for rent payments.  

All of Wells Fargo’s checking accounts can be opened with a minimum of a $25 deposit. 

In January 2022, Wells Fargo eliminated NSF fees and created a 24-hour grace period for overdrafts.  

Wells Fargo’s mobile app offers mobile deposits, bill pay, functions as a digital wallet, and other features. The app is highly rated in both the App Store and Google Play store.  

Wells Fargo Credit Cards 

Wells Fargo offers the following credit cards: 

Credit Card	Great For…	Rewards/Benefits	Annual Fee	APR
Wells Fargo Active Cash Card	Simple cash back program    Low intro APR	Unlimited 2% cash back on all purchases (all categories included)    Welcome Offer: Earn $200 after qualifying purchases	No	17.24%, 22.24% or 27.24%    (0% APR for 15 months)
Wells Fargo Autograph Card	Robust rewards program     Low intro APR	Unlimited 3X points for restaurants, travel, gas, transit, streaming services, phone plans    1X points on other purchases    Welcome Offer: 30K bonus points after qualifying purchases	No	17.24%, 22.24% or 27.24%    (0% APR for 12 months)
Wells Fargo Reflect Card	Long 0% intro APR on purchases and balance transfers	No cash back or rewards program     Includes cell phone protection, access to My Wells Fargo Deals, emergency roadside assistance and others	No	15.24% to 27.24% variable APR    (0% APR for up to 21 months)
Choice Privileges® Mastercard® Credit Card	Choice hotels customers    Travel Rewards and Benefits	5X points on participating Choice hotel purchases    3X points on gas, grocery stores, home improvement, phone plans 1X point on all other purchases	No	20.99%, 25.24%, or 29.99%
Choice Privileges® Select Mastercard®	Choice hotels customers    Travel Rewards and Benefits	10X points on participating Choice hotel purchases    5X points on gas, grocery stores, home improvement, phone plans 1X point on all other purchases	$95	20.99%, 25.24%, or 29.99%,
Bilt Mastercard	Renters    Rewards program	3X points on dining    2X points on travel    1X points on rent payments, other purchases	No	18.49%, 21.49%, or 26.49%

Wells Fargo Company Information 

Henry Wells and William G. Fargo founded Wells, Fargo & Co. in 1852 as a stagecoach delivery company. As a courier service, it was often enlisted to help hold and transport money. There are several banks that later became part of Wells Fargo, such as the Bank of North America, Atlanta National Bank, and the First National Bank of Palm Beach.   

It is now the fourth largest bank in America when ranked by assets, and it is headquartered in San Francisco, California. 

Wells Fargo has approximately 7,200 branches and 13,000 ATMs. It has locations in 36 states and the District of Columbia and offices in 31 countries and territories to support global businesses. 

In 2016, the Consumer Financial Protection Bureau (CFPB) fined Wells Fargo after it was discovered that Wells Fargo employees opened fake accounts and credit cards in customer’s names without their knowledge as a result of high pressure on employees to meet sales goals.  

After the news broke, Wells Fargo also faced civil and criminal lawsuits. The settlements reached approximately $3 billion.  

States Available  

Wells Fargo has branches and ATMs in 36 states and the District of Columbia. It does not have any locations in the following states:   

• Indiana 
• Kentucky 
• Louisiana 
• Maine 
• Massachusetts 
• Michigan 
• Missouri 
• New Hampshire 
• Ohio 
• Oklahoma 
• Rhode Island 
• Vermont 
• West Virginia 

While Wells Fargo does not have any branches or ATMs in other countries, Wells Fargo customers may use ATMs outside of the United States with the Plus^® logo to check balances and withdraw cash.  

Reviews last updated: 1/29/25. (Reviews are typically updated monthly.)

Ratings last updated: 1/29/25. (Ratings are typically updated quarterly.)

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This information is intended to be general and educational in nature and should not be construed as financial advice. Consult your financial advisor before implementing financial strategies for your retirement.