is one of the best options on the market for those seeking breathing room from interest. Credit Score ranges are based on FICO credit scoring. The Reflect cards other perk is the cellphone protection benefit also available for the Active Cash card. This information may be different than what you see when you visit a financial institution, service provider or specific products site. The bonus offer is outstanding for a $0-annual-fee card, and you even get a introductory APR period.

We'd love to hear from you, please enter your comments. Why we like it: The is Wells Fargos best card for those looking to take advantage of a low introductory APR. Read our review. The Wells Fargo Business Platinum Credit Card* offers a generous welcome bonus and ongoing rewards for each dollar you spend. Make time to compare all top credit cards on the market today in terms of earning rates, bonus offers and cardholder perks. Those seeking a balance transfer card will likely appreciate that the Wells Fargo Reflect Card offers a generous introductory APR period on purchases and qualifying balance transfers. Capital One Venture X Vs. Chase Sapphire Reserve, Pet Insurance For Pre-Existing Conditions, Private Wealth Manager Vs. Financial Advisor, How To Remove Collections From Your Credit Report, How Much Does A Home Warranty Cost In 2022, Hotels.coms online travel agent loyalty program, Wells Fargo Business Secured Credit Card Review, Best Credit Cards for Car Rental Insurance, Generous introductory APR period for purchases and qualifying balance transfers, 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. If you're looking to save money on interest, the card also offers a, 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 16.49%, 21.49%, or 26.49% Variable APR. . Rewards: This card does not offer rewards. Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible). 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers. All Rights Reserved. Collect ten stamps to get a reward night worth up to $110 (equivalent to 2.2% back when maximized), Welcome Offer: 2 reward nights worth $250 total (max $125 per night), when after spending $1,000 on purchases in the first 3 months. in each category based on overall consumer value.

Lenders will also offer better rates to consumers with Victoria's Secret, owned by L Brands, is a popular online and in-store destination for shoppers interested in specialty lingerie, fashion and beauty products. Instead of earning loyalty points toward a brand such as Hilton or Marriott, you can earn rewards for finding the best deal on Hotels.com.

14.49% to 26.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5. Other spending earns 1 point per dollar. So how do we make money? Welcome Offer: $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. For businesses with limited or poor credit, this card offers a no-annual-fee option to build credit while earning 1.5% cashback on all purchases. after a $25 deductible if yourcell phoneis damaged or stolen and you payits monthly bill with an eligible Wells Fargo credit card. Plus, get another reward night worth $125 after spending $4,000 in total purchases within the first 6 months (excludes taxes and fees. Rewards: 1.5% cash back per dollar spent or earn 1 point per dollar spent and receive 5,000 bonus points when the company spend is $10,000 or more in any monthly billing period, Welcome Offer: $1,000 one-time cash back bonus or 100,000 bonus points after spending $15,000 in the first three months of account open date, Annual Fee: $125 annual fee (waived first year).

If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. If your business doesnt spend much on supplies and other purchases on a monthly basis, you may want to consider a business credit card with an easier-to-earn bonus. At 18 he ran away and saw the world with a backpack and a credit card, discovering that the true value of any point or mile is the experience it facilitates. Or shop at millions of online stores and redeem your rewards when you check out with PayPal. The Hotels.com Credit Card offers solid rewards but does so in a particularly complex way. It earns an unlimited 2% back on all purchases, which is excellent. These are provided as guidelines only and approval is not guaranteed. How To Manage Your Rewards With Your Old Navy Credit Card Login, 10 Things Most Americans Don't Know About Credit Cards, How To Get the Wells Fargo Autograph $300 Bonus, 7 Best Credit Cards With Crypto Rewards in 2022. Credit Card Rewards and Electric Vehicles: Are They Driving Enough of a Bargain for EV Owners? 16.49%, 21.49%, or 26.49% variable APR thereafter. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Commissions do not affect our editors' opinions or evaluations. It offers a vast number of cards for applicants with good to excellent credit scores. Something went wrong. 14.49% to 26.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. The Forbes Advisor editorial team is independent and objective. This information may be different than what you see when you visit a financial institution, service provider or specific products site. If a night costs less than $125, you wont get the difference). The Wells Fargo Business Platinum Credit Card is a solid everyday rewards card for small businesses especially those in need of multiple employee cards. Click the card name to read our review. Should you decide travel is not on the agenda, you have other flexible redemption options, too. Why we like it: The Wells Fargo Hotels.com Rewards Visa card is a great option for travelers who arent particularly loyal to one hotel brand but book lodging often. Best of all, youll get started on the right foot with a bonus of two reward nights valued at $125 per night, which you can earn by spending $1,000 in the first three months of card ownership. This puts it in competition with the best flat-rate cash back cards on the market. Other Benefits and Drawbacks: The Hotels.com Rewards Visa Credit Card* does not charge a foreign currency conversion fee, so its a good option for traveling abroad. The bonus offer is outstanding for a. A single card is eligible to be chosen as among the "best" in multiple categories. Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Wells Fargos massive array of banking productsincluding consumer credit cardsdo often present solid offers for many consumers. 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Wells Fargo's credit cards haven't always offered the biggest rewards or the flashiest benefits but things have changed a lot in recent years as the issuer has rolled out products that appeal even to people who don't bank with Wells Fargo. The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Each time you hit 10 stamps, you receive one free hotel night. A $25 deductible applies for cell phone protection claims and no more than two claims may be made per year. offers the best of many worlds: a rich ongoing rewards rate on all purchases, a generous sign-up bonus, and a lengthy 0% intro APR period on both purchases and balance transfers. Daria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial experience. ALSO SEE: Best credit cards of 2022|| Visa || Mastercard || American Express || Discover || Bank of America || Capital One || Chase || Citi || US Bank || Wells Fargo. Other Benefits and Drawbacks: The Wells Fargo Business Platinum Credit Card* actually lets you choose the type of rewards you want to earn. Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge. But in addition, the card offers a rich sign-up bonus and a generous 0% intro APR on both purchases and balance transfers. Whether transferring balances is important, free hotel stays could help you travel more, or applying your rewards toward your mortgage payment, credit card statement or purchases could be helpful, only you know which card is best for you. Wells Fargo also cards offer certain features that are hard to find elsewhere: Cash rewards literally. Chauncey grew up on a farm in rural northern California. In addition to receiving cash-back rewards on all your purchases, you can earn a after spending $1,000 in the first three months you own the card. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. Daria studied journalism at the County College of Morris and earned a degree in communications at Centenary University, both in New Jersey. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. You'll receive up to $600 worth of coverage after a $25 deductible if yourcell phoneis damaged or stolen and you payits monthly bill with an eligible Wells Fargo credit card. The card earns unlimited 3 points per dollar spent on travel, dining, gas stations, transit, popular streaming services and phone plans. Like any bank this size, Wells Fargo has a dizzying array of banking products to choose from. Collect 1 stamp each time you spend $500 on purchases on the card, and collect 1 stamp for every night you stay at any eligible property booked on Hotels.com. Here are the top Wells Fargo credit cards. Sounds like a great way to maximize your rent money to us. Earn unlimited 2% cash rewards on purchases. See Rates & Fees. Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). The card's standout feature is its uber-lengthy 0% intro APR period. Balance transfer fee of 4% ($10 minimum; no maximum) applies. Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). OK92033): Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Best Wells Fargo Credit Cards of July 2022. Rewards: 1 stamp for every night at any eligible property booked on Hotels.com and 1 stamp each time $500 is spent on purchases with the card. Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. These offers do not represent all available deposit, investment, loan or credit products. Payment of recent eligible purchases made using the card, Statement credit on a qualifying Wells Fargo credit card, checking account or mortgage, Lots of ways to redeem rewards, including ATM withdrawals, 0% introductory APR for 15 months from account opening on purchases and qualifying balance transfers, Generous cash bonus offer for new cardmembers, Up to $600 of protection against damage or theft of your cellphone when you pay your phone bill with your Active Cash card, subject to $25 deductible, High balance transfer and cash advance fees, The high end of the variable APR can be steep, Wells Fargos longest 0% introductory APR period for purchases and balance transfers, One stamp for every $500 in eligible card purchases, One stamp for every night you book with the card on Hotels.com at eligible properties, Earn free hotel nights based on your card spending, Two free rewards nights after meeting spending requirements, Hotels.com Silver status the first year for extra perks such as free breakfasts and airport transfers, Cellphone protection coverage for up to $600 with a $25 deductible, Youll need to pay taxes and resort fees despite the free rewards stay, Automatic Silver status is only available for the first year after approval. Here is a list of our partners. Our partners compensate us. Choose your rewards: Cash Back or Rewards Points. Who its best for: Shoppers or Wells Fargo mortgage holders. You can earn a flat 1.5% in cash back for all your spending or you can choose to earn points you can redeem for gift cards, merchandise, travel and other options instead. Just be mindful of the Reflect cards APR youll pay anywhere between on any balances that remain after the introductory period ends. Earning 2% back on everything is great, but you can find cards with higher rates in specific spending categories if you're willing to put in some work on tracking those categories. It offers a, 0% intro APR on Purchases for up to 21 months and 0% intro APR on Balance Transfers up to 21 months from account opening on qualifying balance transfers, and then the ongoing APR of 14.49%-26.49% Variable APR, Among flat-rate cash-back cards, you'll be hard-pressed to beat the, . To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. When evaluating offers, please review the financial institutions Terms and Conditions. The scoring formulas take into account multiple data points for each financial product and service. TheWells Fargo Autograph Card boasts a stunning combination of features for a travel credit card with a $0 annual fee, including 3X points on a wide variety of common expenses. Welcome Offer: This card does not offer a welcome bonus. Cardholders can also benefit from an auto rental collision damage waiver when paying for a rental car with this card. If you are a business owner, Wells Fargo offers the Wells Fargo Business Secured Credit Card* which will require a deposit to be put down in order to open the account. Hotels.coms online travel agent loyalty program is a Forbes Advisor favorite. Best of all, youre not limited to one particular brand or location since you have access to all of Hotels.coms partners. Plus, earn 1X points on other purchases, 0% intro APR for 12 months from account opening on purchases. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. Cynthia Bowman contributed to the reporting for this article. You may qualify for a line of credit between $500 and $25,000 and youll have an opportunity to repair credit over time through responsible use. NerdWallet's ratings are determined by our editorial team. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. It also offers up to $600 of cell phone insurance protection against damage and theft when you pay your monthly cell phone bill with the card (subject to a $25 deductible). There's also a balance transfer fee. There was an unknown error. You have options there are over 500,000 properties available in more than 200 countries worldwide to choose from. If a night costs less than $125, you wont get the difference). Other Benefits and Drawbacks: The Wells Fargo Active Cash Card offers a 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49% or 26.49% variable APR applies. Youll get 18 months on purchases and qualifying balance transfers. Cash Back option: Earn 1.5% cash back on every $1 spent; Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period, Welcome Offer: $300 cash back bonus or 30,000 bonus points after enrolling in the Business Card Rewards Program and spending $3,000 in the first three months of account open date. Its primary credit card offerings, however, stick with the basics: one standard credit card, one hotel rewards card and one cash-back rewards card. That said, regulators are keeping close tabs on the bank as it continues to serve 1 in 3 American households and over 10% of small businesses. Your financial situation is unique and the products and services we review may not be right for your circumstances. Youll collect one stamp for every $500 spent on the card and one stamp for every nights stay booked through Hotels.com at eligible properties. The Wells Fargo Autograph Card offers so much value, it's hard to believe there's no annual fee. Wells Fargo lets its banking customers redeem credit card rewards in $20 bills right at the ATM. If you aim to earn cash back, you may want to consider the Wells Fargo Active Cash Card whereas if you need access to an introductory APR balance transfer offer, the Wells Fargo Reflect Card may be a better choice. Youll also receive major cardholder benefits like travel accident insurance, trip cancellation and interruption coverage, trip delay reimbursement, lost luggage coverage, auto rental coverage against collision and theft and more. To do this, useyourWells Fargo debit card ata Wells Fargo-owned ATM. Sign-up bonus: Two reward nights (worth $250 total) after spending $1,000 in purchases in the first three months.

We believe everyone should be able to make financial decisions with confidence. Then, a 12.74% - 22.74% variable APR on purchases and balance transfers applies. Compare all credit cards on the market before you decide to go with a specific issuer. You might be using an unsupported or outdated browser. American Express is one of the most popular credit card issuers in the world. However, you cant dismiss the long interest-free period of the Wells Fargo Reflect card. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Theres no annual fee and you can qualify for up to 10 employee cards. Read our review. Here is a list of our partners and here's how we make money. However, the card doesnt offer rewards or other notable benefits, so give it a pass if you dont need a long introductory APR period. Rewards: 1.5% cash back per dollar spent on qualifying purchases or earn 1 point per dollar and receive 1,000 bonus points when the company spend is $1,000 or more in any monthly billing period, Welcome Offer: This card does not offer a welcome bonus. Pay rent, earn rewards and use your earnings for travel. These perks often include cell phone protection, travel accident insurance and rental car coverage. The Active Cash card takes first place overall because of its cash-back rewards, bonus offer and travel perks. Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card, Select "Apply Now" to learn more about the product features, terms and conditions. Applications are not accepted in-branch. This is just one scoring method and a credit card issuer may use another method when considering your application. Other Benefits and Drawbacks: Unique in the industry, the Bilt Rewards card offers the ability to earn points on your rent payments, giving cardmembers the ability to rack up to 50,000 points annually on eligible housing costs. The Wells Fargo Business Secured Credit Card* is the only secured card option this bank offers and one of the few secured cards for businesses available. Other Benefits and Drawbacks: There arent any exciting rewards with this card, but it does offer up to $600 of cell phone protection when you pay your monthly bill with your eligible card. Plus, get another reward night worth $125 when you spend $4,000 in total purchases within the first 6 months (*Excludes taxes and fees. To qualify, balances must be transferred within the first 120 days after account opening. -annual-fee card, and you even get a introductory APR period. Other exclusive Active Cash benefits include around-the-clock concierge service that can help you book dinner reservations, travel and entertainment. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and balance transfers. The Wells Fargo Reflect Card has one of the longest 0% intro APR periods on the market potentially approaching almost two years, if you meet on-time minimum payment requirements. Rare for a card without an annual fee, the Bilt World Elite Mastercard* includes the ability to transfer your points to partnering travel loyalty programs at a 1:1 ratio such as American Airlines AAdvantage and World of Hyatt. To do this, useyourWells Fargo debit card ata Wells Fargo-owned ATM. Cardholders also get special benefits from a luxury collection of participating hotels. . However, each card serves a very different consumer. Before applying, verify details on the issuer's website: Among flat-rate cash-back cards, you'll be hard-pressed to beat the Wells Fargo Active Cash Card. As with any financial product, due diligence is key. Eligible cardholders can also get an intro APR extension of up to three more months. You won't get some of thepremium perksyou can find ontravel cardsthat charge annual fees, such astravel credits, transferpartners and airport lounge access. While it has many features, Credit cards can make transactions easier both across the U.S. and abroad, and now many cards also provide specific benefits for travelers in the form of rewards, miles and other perks like cash back. Every day, get fresh ideas on how to save and make money and achieve your financial goals. You'll earn 2% back on all purchases, plus the card starts you off with a sizable sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months.. Wells Fargo is one of Americas largest banks, and its working to overcome the consequences of a number of scandals in recent years that have resulted in billions of dollars in fines and restrictions imposed by the Federal Reserve. The best Wells Fargo credit card for you will depend on your personal spending habits and financial goals. Earning rate: Unlimited 2% cash back on purchases, Who its best for: Anyone whos currently paying high interest on other credit card balances. Balance transfers made within 120 days qualify for the intro rate and fee of 3% then a fee of up to 5%, with a minimum of $5 applies. You'll earn 2% back on all purchases, plus the card starts you off with a sizable sign-up bonus: Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months. Editorial Note: This content is not provided by Wells Fargo. The Federal Trade Commission 2022 GOBankingRates. Sign-up bonus: 0% introductory APR for purchases and qualifying balance transfers for 18 months from account opening; extension of up to 3 months for eligible cardholders. This card charges a 3% foreign transaction fee so its not a good choice for purchases made abroad. Advertiser Disclosure: Many of the offers appearing on this site are from advertisers from which this website receives compensation for being listed here. We evaluated rewards programs, fees, cardholder perks, ongoing APRs and introductory offers. If youre not sure your credit score is high enough to qualify you for the best credit cards available, it may make sense to work on building stronger credit first. Rewards: choose your rewards: Cash Back or Rewards Points. Finance, CNBC and USA Today. No, you cannot use your Wells Fargo credit card before it arrives. The Wells Fargo Reflect Card doesnt offer any rewards, but new cardholders will get access to one of the longest introductory APR offers available. Wells Fargo aims to keep things simple with straightforward, easy-to-understand rewards schemes and may be best known for the credit card options it offers that charge no annual fees. Wells Fargo does not provide an instant card number as some other issuers do, so you will need to wait until the card arrives in the mail so you may activate it. The 15-month 0% introductory APR on balance transfers from account opening gives you time to pay down any debt youre carrying on other cards, but the more of your credit limit you use on balance transfers, the fewer rewards you can earn on spending. If a night costs less than $125, you wont get the difference). While the Hotels.com Rewards Visa Credit Card* is a solid option for those inclined to optimize, for most people it will add additional complexity without enough additional benefit to justify the cost. Start with a great bonus offer, then earn extra rewards in a host of common spending categories restaurants, gas stations, transit, travel, streaming and more. However, this does not influence our evaluations. Why we like it: The is a rewards card that gives you unlimited 2% cash back on all of your purchases.