Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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 $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Wells Fargo
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $99 | — | mastercard |
| Wells Fargo Autograph Journey Visa Credit CardWells Fargo | 1x Wells Fargo Rewards | 1.3¢/$ | $95 | $25 | visa |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 1x Wells Fargo Rewards | 1.3¢/$ | $0 | — |
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Wells Fargo
| visa |
| Choice Privileges MastercardWells Fargo | 1x Choice Privileges | 0.8¢/$ | $0 | — | mastercard |
| Choice Privileges Select MastercardWells Fargo | 1x Choice Privileges | 0.8¢/$ | $95 | $15 | mastercard |
| Wells Fargo Reflect CardWells Fargo | 0x points | 0.0¢/$ | $0 | — | visa |
