Best Wells Fargo Credit Cards of 2026
Every Wells Fargo card ranked by real value — earn rates, fees, and benefits compared.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Wells Fargo Active Cash Card
Wells Fargo
- +2% cash back
- +$100 cash back bonus (~$100 value)
- +Up to 1.6¢/pt via Choice Privileges
Wells Fargo Autograph Visa Credit Card
Wells Fargo
- +1x — points worth 1.4¢ each
- +20,000 points bonus (~$290 value)
- +Up to 1.6¢/pt via Choice Privileges
Wells Fargo Autograph Journey Visa Credit Card
Wells Fargo
- +1x — points worth 1.4¢ each
- +Annual fee $95. Other listed credits: $50 annual statement credit (up to $50/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +60,000 points bonus (~$870 value)
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | visa |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 1x Wells Fargo Rewards | 1.4¢/$ | $0 | visa |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 1x Wells Fargo Rewards | 1.4¢/$ | $95 | visa |
| Choice Privileges MastercardWells Fargo | 1x Choice Privileges | 0.8¢/$ | $0 | mastercard |
| Choice Privileges Select MastercardWells Fargo | 1x Choice Privileges | 0.8¢/$ | $95 | mastercard |
| Wells Fargo Reflect CardWells Fargo | 0x points | 0.0¢/$ | $0 | visa |
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