Which Wells Fargo credit card is right for you? Compare your options
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Wells Fargo offers several types of credit cards, with different combinations of rewards, fees and features.
Compare Wells Fargo credit card options
| Card | Best for | Also offers |
|---|---|---|
| Wells Fargo Active Cash | Simple cash rewards | $0 annual fee + intro APR |
| Wells Fargo Autograph | Everyday category rewards | $0 annual fee + intro APR |
| Wells Fargo Reflect | Introductory APR | Additional cardholder benefits |
| Wells Fargo Autograph Journey | Travel rewards | Travel + protection benefits |
| Wells Fargo Attune | Lifestyle rewards | $0 annual fee + protection & travel benefits |
Explore each option below to see how its main benefit combines with other features.
Wells Fargo Active Cash
Best for: Simple cash rewards
Cash rewards: 2% on net purchases
Annual fee: $0
Also offers: Introductory APR
Why it stands out
Active Cash combines a straightforward rewards structure with other useful features.
It offers 2% cash rewards on net purchases and has a $0 annual fee. The card also currently offers an introductory APR period on purchases and qualifying balance transfers.
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That means Active Cash isn’t only about earning cash rewards — it combines simple rewards + no annual fee + an introductory APR offer.
Consider Active Cash if you want:
- Simple cash rewards
- A $0 annual fee
- An introductory APR offer
- Rewards without tracking multiple spending categories
Wells Fargo Autograph
Best for: Everyday category rewards
Rewards: 3X points in multiple eligible categories
Annual fee: $0
Also offers: Introductory APR + additional cardholder benefits
Why it stands out
Autograph takes a broader approach to everyday rewards.
It offers 3X points in multiple eligible spending categories, including areas such as restaurants, travel, gas stations, transit and popular streaming services.
But category rewards aren’t its only benefit.
Autograph also has a $0 annual fee and currently includes an introductory APR offer. Depending on the benefit and applicable terms, cardholders can also access additional protections and services.
That combination makes Autograph more than simply a category-rewards card.
Consider Autograph if you want:
- Higher rewards across multiple everyday categories
- A $0 annual fee
- An introductory APR offer
- Additional cardholder benefits
Wells Fargo Reflect
Best for: Introductory APR
Primary focus: Financing flexibility
Also offers: Additional cardholder benefits
Why it stands out
Reflect takes a different approach from cards designed primarily around earning rewards.
Its main appeal is its introductory APR offer, which may make it worth considering if managing purchases or qualifying balance transfers is a higher priority than maximizing cash rewards or points.
But its value isn’t necessarily limited to APR.
Reflect also includes additional cardholder benefits and protections, depending on the applicable terms.
This makes it an option for consumers who place financing flexibility first, while still valuing additional card features.
Consider Reflect if you want:
- An introductory APR offer as your main priority
- Flexibility for purchases or qualifying balance transfers
- Less emphasis on maximizing rewards
- Additional cardholder benefits
Wells Fargo Autograph Journey
Best for: Travel rewards
Primary focus: Travel-focused points and benefits
Also offers: Travel + protection benefits
Why it stands out
Autograph Journey goes beyond simply earning points for travel.
Its travel-focused rewards structure is complemented by additional benefits and protections that may include features such as cell phone protection, rental car coverage, lost baggage reimbursement, and trip cancellation or interruption protection, subject to applicable terms and limitations.
This means the card can provide value in two different ways: through rewards earned from eligible spending and through travel-related protections and services.
For someone who travels regularly, looking at that complete package may be more useful than focusing only on the rewards rate.
Consider Autograph Journey if you want:
- Travel-focused rewards
- Additional travel protections
- Rental car coverage
- Trip and baggage protections
- A more comprehensive travel-oriented card
Wells Fargo Attune
Best for: Lifestyle-focused rewards
Annual fee: $0
Also offers: Protection + travel-related benefits
Why it stands out
Attune takes a different approach by rewarding spending across a range of lifestyle-oriented categories.
But its rewards structure isn’t the entire story.
The card also includes additional benefits that may include cell phone protection, rental car coverage and identity theft protection, along with certain travel-related services, subject to applicable terms and limitations.
So Attune can be viewed as more than a lifestyle rewards card. It combines category-based rewards + no annual fee + additional protection and travel-related features.
Consider Attune if you want:
- Rewards tied to lifestyle spending
- A $0 annual fee
- Additional protection benefits
- Cell phone protection
- Travel-related services
Which combination of benefits matters most to you?
Looking beyond a card’s main feature can make the comparison easier.
Want simple cash rewards + no annual fee + introductory APR?
Active Cash combines those features.
Want rewards across everyday categories + no annual fee + introductory APR?
Autograph may be worth exploring.
Is introductory APR your main priority?
Reflect takes a more financing-focused approach while also providing additional cardholder benefits.
Want travel rewards + additional travel protections?
Autograph Journey offers a broader travel-oriented package.
Want lifestyle rewards + no annual fee + additional protection benefits?
Attune combines those features.
The better starting point depends on which combination of benefits matters most to you, not simply which card has the longest list of features.
Explore Wells Fargo credit card options
Wells Fargo offers cards with different combinations of rewards, annual fees, introductory offers and additional benefits.
Comparing the complete set of features can help you identify which options may better match your spending priorities and financial needs.
Review the latest offers and terms directly with Wells Fargo before deciding whether to apply.
Card features, rewards, fees, APR offers and other terms can change. Eligibility, approval, credit limits, APR and other account terms are determined by Wells Fargo. Review the issuer’s current terms and disclosures before applying.
Frequently asked questions
Start by identifying what matters most to you, such as simple cash back, category-based rewards, travel benefits or introductory APR features. Then compare the fees, rewards and current terms of the cards that match those priorities.
Wells Fargo Active Cash is designed around straightforward cash rewards, allowing eligible net purchases to earn cash rewards without requiring you to track multiple base rewards categories.
Wells Fargo offers travel-related options including Autograph Journey. Other cards, such as Autograph, also provide additional rewards in eligible travel categories.
Yes. Certain Wells Fargo cards may offer introductory APR periods for purchases, balance transfers or both. The duration, fees and eligibility requirements depend on the specific offer.
No. Some Wells Fargo cards have no annual fee, while others may charge an annual fee in exchange for different rewards or benefits.
No. Seeing or comparing a credit card doesn’t guarantee approval. Wells Fargo determines approval, credit limits, APR and other terms based on its evaluation.
You can compare current Wells Fargo credit card options on the issuer’s official website and select a specific card to review its current terms and application process.
