Wells Fargo
People who want a simple, no-fee 2% cash back card with a generous intro APR and cell phone protection.
About Wells Fargo
Wells Fargo has streamlined its credit card lineup to focus on competitive, straightforward rewards cards. The Active Cash card has become one of the most popular 2% cash back options in the market, and the Autograph series offers solid travel rewards.
174+
Years in Business
1
Cards in Lineup
5
Special Rules
Strengths
- Active Cash offers one of the best flat 2% cash back rates
- No annual fee on the Active Cash card
- Generous intro APR periods on purchases and balance transfers
- Cell phone protection on Active Cash (up to $600)
- My Wells Fargo Deals for additional savings
- Nationwide branch and ATM presence
Weaknesses
- Past reputation issues from 2016 account scandal
- Limited premium card offerings compared to Chase or Amex
- Foreign transaction fees on most cards (3%)
- No transfer partner network for points
- Rewards program is less flexible than Chase UR or Amex MR
- Fewer card options overall in the lineup
Special Rules to Know
Wells Fargo generally does not have strict application velocity rules, but rapid applications may result in denials.
Cell phone protection is included on the Active Cash card when you pay your phone bill with it.
My Wells Fargo Deals offers targeted cash back bonuses similar to Amex Offers.
Wells Fargo may restrict sign-up bonuses for current or recent cardholders of the same product.
Product changes between Wells Fargo cards are sometimes available.
Cards from Wells Fargo
Best For
People who want a simple, no-fee 2% cash back card with a generous intro APR and cell phone protection.