If you’re searching for the best Wells Fargo cash back credit cards, this guide will help. Whether you want a simple card with flat-rate cash back or one that gives you perks for using mobile wallets, Wells Fargo has options worth checking out.
Best Wells Fargo Cash Back Credit Cards
Let’s start by looking at the top picks. These cards offer different types of rewards, but they all focus on putting real money back in your pocket.
1. Wells Fargo Active Cash® Card
This card is a favorite for good reason. You get a flat 2% cash back on everything you buy. No need to track categories or remember spending limits. You also get a $200 cash rewards bonus after spending $500 in the first 3 months.
Plus, there’s a 0% intro APR for 15 months on purchases and balance transfers. There’s no annual fee, which is great. If you pay your phone bill with this card, you’re covered with up to $600 in cell phone protection. This is one of the easiest and most reliable cash back cards out there.
2. Wells Fargo Autograph℠ Card
This one’s good for people who spend a lot in certain categories. You earn 3x points on restaurants, travel, gas stations, transit, streaming, and phone plans. 1x on everything else.There’s a 0% intro APR for 12 months and a $200 bonus after spending $1,000 in the first 3 months. No annual fee either. It’s technically a points card, but those points can be redeemed for cash back. If you like earning more in high-use categories, this is a solid pick.
3. Wells Fargo Reflect® Card
This card is focused more on low interest than rewards. Still, it gives 1.5% cash back on every purchase. The real benefit is the intro APR. You get up to 21 months of 0% interest on purchases and balance transfers if you pay on time.
That’s one of the longest intro APR offers out there. It also has no annual fee and includes phone protection like the other Wells Fargo cards. If you want to save money on interest and still earn cash back, this one works.
4. Wells Fargo Cash Wise Visa® Card (Legacy Card)
This card used to be one of the top picks. It offered 1.5% cash back on all purchases and a bonus for using digital wallets. It’s no longer available for new applications but still used by many cardholders. We include it for reference if you’re still using one or are considering offers from other banks with similar perks.
Quick Comparison Table
Here’s a quick side-by-side to help you choose the right one.
| Card Name | Cash Back Rate | Bonus Offer | Intro APR | Annual Fee | Best For |
|---|---|---|---|---|---|
| Active Cash® | 2% on all purchases | $200 after $500 spend | 15 months | $0 | Everyday spending |
| Autograph℠ | 3x in categories, 1x elsewhere | $200 after $1,000 spend | 12 months | $0 | Dining, travel, and gas |
| Reflect® | 1.5% on all purchases | None | Up to 21 months | $0 | Low-interest balance transfers |
| Cash Wise (legacy) | 1.5% on all, 1.8% digital wallets* | $150 after $500 spend | 15 months | $0 | Simplicity + mobile payments |
*Not available to new applicants
Who Should Get a Wells Fargo Cash Back Card?
If you want to earn money back without paying an annual fee, these cards are a good fit.They’re also great if you:
- Use digital wallets like Apple Pay or Google Pay
- Travel and want extra protection
- Pay your phone bill with your card
- Don’t want to think about rotating categories or spending limits
How to Apply
The application process is simple. Go to the Wells Fargo website or visit a branch. Pick the card you want, fill out your info, and submit. You’ll get an approval decision pretty quickly—usually within minutes. Make sure your credit score is in good shape. Most Wells Fargo cards need at least a good score (around 670 or higher).
Tips to Get the Most Out of Your Card
Here are a few ways to earn more and avoid headaches:
- Pay your balance off every month
Interest can eat up your rewards. Avoid it if you can. - Use it for all purchases
The more you use it (responsibly), the more cash back you earn. - Set up autopay for your phone bill
You’ll qualify for the built-in phone protection. - Check for Wells Fargo offers
Sometimes there are extra promos, like limited-time bonus categories. - Redeem your rewards regularly
Don’t let them sit around. Use them for statement credits, deposits, or gift cards.
Is It Safe to Use Wells Fargo Credit Cards?
Yes. Wells Fargo uses security alerts, 2-factor authentication, and fraud monitoring. You’re also protected against unauthorized charges. If someone uses your card without permission, you won’t be liable.
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Pros and Cons Summary
Here’s a quick breakdown.
Pros:
- No annual fees
- Generous rewards
- Cell phone protection
- Long 0% APR offers
- Trusted bank with good support
Cons:
- No rotating bonus categories (which can be a good or bad thing)
- May require good credit for approval
- Limited number of card choices compared to some other banks
FAQs
1. Do Wells Fargo cash back cards have annual fees?
No. All the cards listed above have $0 annual fees.
2. How do I redeem cash back?
You can redeem online through Wells Fargo. Choose between statement credit, direct deposit, or gift cards.
3. Can I qualify with average credit?
Most cards require good to excellent credit. Try to get your score above 670 before applying.
4. Is there a foreign transaction fee?
The Active Cash® and Autograph℠ cards have no foreign transaction fees.
5. Do these cards work with mobile wallets?
Yes. They work with Apple Pay, Google Pay, and Samsung Pay.
6. Is there a limit on cash back?
Nope. There’s no cap on how much you can earn.
