Best Wells Fargo Credit Cards of May 2026

BCC Editor's Pick 2026

Rates & Fees

Wells Fargo Signify Business Cash® Card

5.0 BCC Score

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on Wells Fargo's secure site

Welcome Offer

Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.

Rewards Rate

Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.

Intro APR

0% intro APR for 12 months from account opening on purchases and N/A, then 16.74% - 24.74% Variable APR

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Mastercard

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
Earn unlimited 2% cash rewards on purchases for your business – without caps or spending categories.
0% intro APR for 12 months from account opening on purchases for your business. After that your variable APR will be 16.74%-24.74%.
$0 annual fee.
Complimentary Priority Pass™ membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
Easily apply the cash rewards you've earned as a statement credit to an eligible account. Your rewards don't expire as long as your account remains open.
Add employee cards: Give your employees cards of their own at no additional cost and earn rewards on their business purchases.

Pros

Earn unlimited 2% cash rewards on purchases for your business.
There is no annual fee for this card.
Add employee cards at no additional cost and earn rewards on their business purchases.

Cons

There is a foreign transaction fee of 3%.
Some other business cards offer higher cash back percentages for purchases in certain categories.

Rates & Fees

Wells Fargo Active Cash® Card

4.5 BCC Score

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on Wells Fargo's secure site

Welcome Offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

Rewards Rate

Earn unlimited 2% cash rewards on purchases

Intro APR

0% intro APR for 12 months from account opening on purchases and 0% intro APR for 12 months from account opening on qualifying balance transfers, then 18.49%, 24.49%, or 28.49% Variable APR

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Earn unlimited 2% cash rewards on purchases.
0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 18.49%, 24.49%, or 28.49% 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.
$0 annual fee.
No categories to track or remember and cash rewards don’t expire as long as your account remains open.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Pros

Earn unlimited 2% cash rewards on purchases with no strings attached
Score a hefty welcome bonus and pay no annual fee
Enjoy a year of 0% intro APR on purchases and qualifying balance transfers

Cons

There is a foreign transaction fee of 3%
Balance transfers will incur a fee of 3% intro for 120 days from account opening, then up to 5%, min: $5

Rates & Fees

Wells Fargo Autograph® Card

4.0 BCC Score

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on Wells Fargo's secure site

Welcome Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

Rewards Rate

Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases

Intro APR

0% intro APR for 12 months from account opening on purchases and N/A, then 18.49%, 24.49%, or 28.49% Variable APR

Annual Fee

$0

Credit Score Needed

Excellent, Good

Card Brand

Visa

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
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. 18.49%, 24.49%, or 28.49% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. 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.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Pros

No cap on the 3X Points categories
Enjoy up to $600 of cell phone protection
Enjoy all these perks while paying no annual fee for card membership

Cons

No intro APR for balance transfers
There is an ongoing balance transfer fee

Rates & Fees

Wells Fargo Reflect® Card

4.0 BCC Score

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on Wells Fargo's secure site

Welcome Offer

—

Rewards Rate

N/A

Intro APR

0% intro APR for 21 months from account opening on purchases and 0% intro APR for 21 months from account opening on qualifying balance transfers, then 17.49%, 23.99%, or 28.24% Variable APR

Annual Fee

$0

Credit Score Needed

Excellent/Good

Card Brand

Visa

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99%, or 28.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
$0 annual fee.
Up to $600 of cell phone protection against damage or theft. 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.

Pros

Extra-long intro APR on purchases and qualifying balance transfers
Enjoy up to $600 of cell phone protection
Pay no annual fee

Cons

Balance transfer fee of 5%, min: $5
There is a foreign transaction fee of 3%

Rates & Fees

Wells Fargo Autograph Journey℠ Card

4.0 BCC Score

Apply Now

on Wells Fargo's secure site

Welcome Offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

Rewards Rate

Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.

Intro APR

N/A, then 19.49%, 25.49%, or 28.49% Variable APR

Annual Fee

$95

Credit Score Needed

Excellent, Good

Card Brand

Visa

Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Earn unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases.
$95 annual fee.
Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
Earn a $50 annual statement credit with $50 minimum airline purchase.
Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.

Pros

Earn a generous rewards rate of unlimited 5X points with hotels, 4X points with airlines, 3X points on restaurants and other travel, and 1X points on other purchases
Provides Travel Accident Insurance, Lost Baggage Reimbursement, and more for worry-free traveling
No foreign transaction fees

Cons

The annual fee is not waived the first year
No intro APR on purchases or balance transfers