The Top Five Wells Fargo Credit Cards

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Wells Fargo’s credit card offerings don’t usually get much attention, and that’s largely because they’re not the flashiest on the market. However, these cards do come with awesome perks, and if you’re already a banking customer of the company having a card from Wells Fargo can be a smart move.

One of the best parts about having an account with the bank along with a credit card is you’ll have the option to redeem your rewards in $20 increments from any Wells Fargo ATM. This means you can literally get your cash back rewards in hand when you want to, and no other bank that issues credit cards does this.

Other benefits of having a Wells Fargo credit card include cell phone protection of up to $600 with a $25 deductible and loyalty bonuses. Even if you don’t bank with Wells Fargo, it’s worth taking a look at their cards — you may find one that suits your spending habits and preferences well. Here are the top five Wells Fargo credit cards available.

Wells Fargo Propel American Express Card

This is one of the most appealing Amex Wells Fargo Credit Cards, and the rewards rate is pretty decent. You’ll earn three points per dollar spent at gas stations in the U.S., two points per dollar at restaurants in the U.S., and one point per dollar spent on all other purchases. Wells Fargo checking and savings account holders earn more for each category, and all cardholders receive discounts on select airfare, cruises, and hotels. The Wells Fargo Propel card also provides free access to your FICO score if you download the bank’s mobile app.

Best for: Those who do a significant amount of their spending at gas stations and restaurants, or anyone with a Wells Fargo checking or savings account. If the latter applies to you, you’ll get a 10% bonus on the base rewards rates.

APR: 0% for the first 15 months after you open an account, then a variable 13.24% to 25.24% per year thereafter

Annual Fee: $0

Wells Fargo Cash Wise Visa Card

This card awards 1.5% cash back on all purchases, and you don’t have to activate any categories or go through any similar hassles. Plus, during the first year that you have the card you’ll earn 1.8% back on purchases made with Android Pay or Apple Pay. As long as you keep your account open, your cash rewards won’t expire.

Best for: Those with varied spending habits who don’t stick to two or three categories of retailers, as well as those who don’t spend a lot on their credit cards annually.

APR: 0% for the first 15 months after you open an account, then a variable 13.24% to 25.24% per year thereafter

Annual Fee: $0

Wells Fargo Visa Signature Card

While there are currently no Wells Fargo credit cards that are co-branded with any airline or hotel, this is a good option for those who travel. In addition to earning five points per dollar spent on grocery store, drugstore, and gas purchases for the first six months that your account is open, you’ll receive automatic lost luggage reimbursement and trip cancellation protection.

After the promotional period, you’ll earn one point per dollar spent on all purchases. When you redeem your points for airfare, you’ll receive an additional bonus. To provide an idea of the value exchange, 30,000 points can be redeemed for $450 in airfare or $300 in cash.

Best for: Those who travel often and would benefit from the travel rewards bonus, which is the best feature of this product. When you redeem your points towards airfare, you’ll get a 50% bonus on the value.

APR: 0% for the first 15 months after you open an account, then a variable 12.4% to 26.24% per year thereafter

Annual Fee: $0

Wells Fargo Platinum Card

This is a no-frills credit card, but it’s a good option for those who don’t have excellent credit and are looking to raise their credit profile. There is no points or cash back rewards system, but the introductory APR is great and makes this card useful for paying off big ticket items or large balances. Cardholders have access to money management, budgeting, and spending tools via Wells Fargo’s My Money Map, as well as free access to their FICO score.

Best for: Those who are looking to responsibly build their credit, or if you want to use a credit card to pay off a large purchase or balance.

APR: 0% for the first 15 months after you open an account, then a variable 15.4% to 25.24% per year thereafter

Annual Fee: $0

Wells Fargo Cash Back College Card

There’s seemingly no end to the number of credit cards that are aimed towards college students, but this one is good for those who already have Wells Fargo checking or savings accounts, as well as students who have no account but want a card that’s easy to use with no annual fee.

The Wells Fargo Cash Back College card also allows you to earn rewards. You’ll get 3% cash back during the first six months after you open an account on grocery store, drugstore, and gas purchases and 1% on all other purchases. As most college students frequently shop in these categories, it won’t take long for you to rack up cash rewards. After that period, you’ll earn 1% back on everything that you buy regardless the category. Point redemption options are flexible, and the low introductory APR is a nice perk as well.

Best for: College students who want to start building their credit or would like another way to pay for expenses while in school.

APR: 0% for the first six months after you open an account, then a variable 11.4% to 21.4% per year thereafter

Annual Fee: $0


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