Wells fargo rewards credit card foreign transaction fee

Best Wells Fargo Credit Cards

Best for Balance Transfers

Wells Fargo Reflect® Card

Regular APR

16.74% - 28.74% variable APR

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

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. However, the card doesn’t offer rewards or other notable benefits, so give it a pass if you don’t need a long introductory APR period.

Pros & Cons

• Generous introductory APR period for purchases and qualifying balance transfers
• $0 Annual Fee

• No rewards program or welcome bonus
• Balance transfer fee
• Foreign transaction fee

Card Details

• 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 16.74% to 28.74% 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.
• $0 Annual Fee
• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
• Select “Apply Now” to learn more about the product features, terms and conditions

Best for Flat-Rate Cash Back

Wells Fargo Active Cash® Card

Unlimited 2% Rewards Rate

Earn unlimited 2% cash rewards on purchases

Welcome Bonus

$200 Cash Rewards

Regular APR

18.74%, 23.74%, or 28.74% variable APR

Credit Score

Excellent, Good (700 - 749)

Why We Picked It

The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.

Pros & Cons

• Unlimited 2% cash rewards on purchases
• $0 annual fee
• Cell phone protection benefit

• There’s a balance transfer fee
• There’s a foreign transaction fee
• No travel transfer partners

Card Details

• Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
• Earn unlimited 2% cash rewards on purchases
• 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; 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
• $0 annual fee
• No categories to track or remember and cash rewards don’t expire as long as your account remains open
• Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
• Select “Apply Now” to learn more about the product features, terms and conditions

Best for Travel Rewards

Bilt World Elite Mastercard® *

Up to 3x Reward Rate

1x on rent payments with no fees (on up to 50,000 points each calendar year year). 2x points on travelRead More

Regular APR

19.99%, 22.99% or 27.99% variable

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

Pay rent, earn rewards and use your earnings for travel. Sounds like a great way to maximize your rent money to us.

Pros & Cons

• Earn rewards on rent
• No annual fee
• Primary car rental and cell phone insurance
• Points can be transferred to partners

• Requires five card transactions per month to earn rewards
• No welcome bonus
• High regular APR range
• Rewards outside of rent spend are relatively low compared to other cards

Card Details

• $0 annual fee
• 1x points on rent payments with no fees (on up to 50,000 points each calendar year)
• 2x points on travel (when booked directly with an airline, hotel, car rental or cruise company)
• 3x points on dining
• Plus 1x points on all other purchases
• Cell Phone Insurance
• Purchase Protection
• Mastercard® World Elite Concierge
• $120 Doordash Credit
• $60 Lyft Credit
• No foreign transaction fees

Best for Everyday Rewards

Wells Fargo Autograph℠ Card

Up to 3X Reward Rate

Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streamingRead More

Welcome Bonus

Earn 30,000 bonus points

Regular APR

18.74%, 23.74%, or 28.74% variable APR

Credit Score

Good, Excellent (700 - 749)

Why We Picked It

Earning 3 points per dollar spent on a wide range of spending—including restaurants, travel, gas stations, transit and popular streaming services—for no annual fee, the Wells Fargo Autograph is a powerhouse.

Pros & Cons

• No annual fee
• No foreign transaction fee
• Introductory APR period
• Plentiful cash-back reward categories
• Protections include cell phone insurance and travel insurance

• up to 5%; min: $5 balance transfer fee
• No low introductory balance transfer APR
• No travel transfer partners

Card Details

• Limited time offer. Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 cash redemption value. Offer expires 1/10/2023
• Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases
• $0 annual fee
• 0% intro APR for 12 months from account opening on purchases. 18.74%, 23.74%, or 28.74% variable APR thereafter
• Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge.
• Select “Apply Now” to learn more about the product features, terms and conditions.

Best for Free Hotel Nights

Hotels.com® Rewards Visa® Credit Card *

Up to 1X Reward Rate

Earn 1 stamp for every night you stay at any eligible property booked on Hotels.com; Earn 1 stamp each timeRead More

Welcome Bonus

Three Reward Nights

Regular APR

18.74% - 26.74% Variable APR

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

The Hotels.com Credit Card offers solid rewards but does so in a particularly complex way. For those who stay in hotels at least a few times a year, aren’t loyal to a specific brand, and are willing to book through Hotels.com, the Hotels.com Credit Card is worth considering.

Pros & Cons

• No annual fee
• Comes with first-tier elite status which unlocks enhanced benefits
• No foreign transaction fees
• Cell phone protection

• Complex rewards system compared to other flexible rewards cards
• Must maximize value of reward nights to achieve full value
• Not every hotel is eligible for reward certificate redemption

Card Details

• Limited Time Offer! Get 3 rewards nights worth $375 total (max $125 per night)* with qualifying purchases.
• Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. Plus, get another reward night worth $125 when you spend $4000 in total purchases within the first 6 months (*Excludes taxes and fees. If a night costs less than $125, you won’t get the difference).
• 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. After collecting 10 stamps, you’ll get 1 reward night to redeem on future bookings through Hotels.com.
• $0 annual fee
• Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
• No foreign conversion fee

Best for Flexible Rewards

Wells Fargo Business Elite Signature Card *

Up to 1.5X Reward Rate

Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonusRead More

Welcome Bonus

$1,000 cash back bonus

Annual Fee

$125 annual fee (waived first year)

Regular APR

10.24% variable APR on purchases

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

Only for businesses with annual sales over $1 million who require robust employee spending control and reporting. For others, better options are available.

Pros & Cons

• Excellent benefits and perks, like travel insurance
• No foreign transaction fees
• Up to 200 no-extra-cost employee cards

• $125 Annual fee (waived first year)
• Other cards in the the same category offer higher rewards
• Cash back is only credited to your account quarterly

Card Details

• Earn a one-time $1,000 cash back bonus or 100,000 bonus points when you spend $25,000 in the first three months of account open date
• Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent and receive 5,000 bonus points when your company spend is $10,000 or more in any monthly billing period
• Travel Incidental Fee Reimbursement: up to $100 per calendar year per company
• Annual Fee: $0 first year, and then $125

Best for Bonus Points With Spending

Wells Fargo Business Platinum Credit Card *

Up to 1.5X Reward Rate

Choose your rewards: Cash Back or Rewards Points. Cash Back option: Earn 1.5% cash back on every $1 spent; RewardRead More

Welcome Bonus

30,000 points

Regular APR

14.24% - 24.24% variable

Credit Score

Good/Excellent (700 - 749)

Why We Picked It

The Wells Fargo Business Platinum Credit Card is a solid everyday rewards card for small businesses — especially those in need of multiple employee cards. The 1.5% cashback option is a great offer. The reward points option, not so much.

Pros & Cons

• Choose-your-adventure rewards can be customized
• Intro offer on purchases and balance transfers
• No annual fee

• Rewards structure can be complicated to optimize
• Few major extra benefits

Card Details

• Get a one-time $300 cash back bonus or 30,000 bonus points when you enroll in the Business Card Rewards Program and spend $3,000 in the first three months of account open date
• Choose your rewards: Cash Back or Rewards Points
• 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
• No required spending categories or caps
• Zero Liability Program: You’ll be fully reimbursed for unauthorized purchases or ATM transactions that are made with your Business Platinum Credit Card and reported promptly
• $0 annual card fee, plus up to 99 employee cards (no additional fee)

Best Wells Fargo Credit Cards

Methodology

Forbes Advisor compared all of Wells Fargo’s credit cards in order to determine which cards are best for the widest range of consumers. We evaluated rewards programs, fees, cardholder perks, ongoing APRs and introductory offers.

How To Get a Credit Card From Wells Fargo

Receiving approval for a Wells Fargo credit card likely requires good or better credit, but applying is fairly straightforward. Applying through the company’s website takes relatively little time after you’ve collected the necessary information, which includes your full legal name, Social Security Number, address, income information and more.

Wells Fargo also offers a preselection tool. You may receive mail offers if you’re an existing Wells Fargo customer or if the company accesses your data through a credit bureau. Preselection is similar to preapproval in that while approval is not guaranteed, it gives you a better idea of your odds for approval.

Which Credit Bureau Does Wells Fargo Use?

Wells Fargo reports to and pulls reports from all three major credit bureaus: Experian, Equifax and Transunion. You should track your credit scores and reports across all bureaus in general, but especially when preparing to apply for a Wells Fargo credit card. Since you won’t know for sure which bureau will receive the pull, you’ll want to ensure your credit is clean and as good-looking as it can be everywhere it’s reported.

How To Increase Wells Fargo Credit Card Limit

Increasing your credit limit can be as easy as calling your card issuer and asking, but it isn’t always. You can call Wells Fargo by dialing the number on the back of your card, but if you’ve been a customer for a while, there are a couple of things you can do to help yourself make the case. If you do these things regularly, you might even see regular automatic increases.

First, report your income increases when they happen. The more money you make, the more money an issuer such as Wells Fargo will be willing to lend you. Second, ensure your credit looks great and be prepared for Wells Fargo to take a peek when or if you ask for a limit increase.

How Many Wells Fargo Credit Cards Can You Have?

There’s no officially-stated limit on the number of cards stamped with a Wells Fargo logo you can carry at once, but the company does warn that you won’t receive approval if you apply for another card after receiving approval for one in the past six months.

Should You Get a Credit Card from Wells Fargo?

While Wells Fargo credit cards aren’t quite as popular as other options from issuers like Chase and American Express, the bank still knows how to fashion offers to be attractive to consumers.

None of the Wells Fargo consumer credit cards charge an annual fee and most allow cardholders to earn cash back or points on spending. Wells Fargo credit cards also tend to come with more benefits than some competitors. These perks often include cell phone protection, travel accident insurance and rental car coverage.

Compare all credit cards on the market before you decide to go with a specific issuer. Make time to compare the best credit cards on the market today in terms of earning rates, bonus offers and cardholder perks.

Bottom Line

Wells Fargo offers a modest lineup of no-annual-fee credit cards, most of which offer rewards and/or introductory APRs. Though the bank doesn’t have a wide selection, its cards are mostly premium rewards cards and we’d expect successful applications to require good or better credit. Especially if you’re an existing Wells Fargo customer, a Wells Fargo credit card could be a good fit.

Frequently Asked Questions

When does Wells Fargo report to credit bureaus?

Wells Fargo reports consumer credit data to credit bureaus monthly—likely around the same time it issues a monthly statement. Wells Fargo reports to all major credit bureaus.

What credit score is needed for a Wells Fargo credit card?

Wells Fargo issues credit cards for a variety of credit markets, but the best Wells Fargo cards all likely require a good or better credit rating.

Which Wells Fargo credit card is the best?

The best Wells Fargo credit card for you will depend on your personal spending habits and financial goals. 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.

Which Wells Fargo Card is easiest to get?

If you’re 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. 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. Wells Fargo does not currently offer a consumer secured credit card, so we recommend exploring other issuers’ consumer secured cards before opting for the Wells Fargo Business Secured Credit Card*.

How do I request a credit limit increase from Wells Fargo?

You can request a credit limit increase from Wells Fargo by calling the number on the back of your card or by calling Wells Fargo customer service at 800-642-4720.

Can I use my Wells Fargo credit card before it arrives?

No, you cannot use your Wells Fargo credit card before it arrives. 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.

Next Up In Credit Cards

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. 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. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.

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