Wells Fargo credit cards
Flat 2% Active Cash and the Autograph points family. Lost the Bilt co-brand to Cardless in early 2026.
About Wells Fargo
Wells Fargo is a national bank best known in cards for the flat 2% cash rewards Wells Fargo Active Cash Card and its Autograph points family, including the Wells Fargo Autograph Card and Wells Fargo Autograph Journey Card. It also offers the Wells Fargo Reflect Card for a long intro APR period and the Wells Fargo Premier Autograph Visa Infinite for Premier clients.
Wells Fargo suits you if you want a simple no-annual-fee cash-back card, points that can move to airline and hotel partners, or time to pay down a balance. You can check for prequalified offers with no impact to your credit score. The limitation: Wells Fargo is widely reported to approve about one new card every six months and to limit welcome bonuses to one every 48 months. It also no longer issues the Bilt card, which moved to Cardless and Column in 2026.
Notable Wells Fargo cards
- Wells Fargo Active Cash
- Wells Fargo Autograph
- Wells Fargo Autograph Journey
- Wells Fargo Reflect
- Wells Fargo Premier Autograph Visa Infinite
Wells Fargo cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Wells FargoActive Cash 4466 4944 9944 9790 VALID THRU 04/30AVERY PATEL Wells Fargo Active Cash CardAnyone wanting simple 2% on everything plus phone protection |
None | 2% unlimited cash rewards on all purchases | 0% intro APR on purchases & qualifying balance transfers for… | 3% | Good (690+) | |
Wells FargoAutograph 4007 2932 8435 1534 VALID THRU 08/32CASEY BROOKS Wells Fargo Autograph CardFee-free 3x across many everyday categories |
None | 3x points on restaurants, travel, gas stations, transit, popular strea… | 0% intro APR on purchases for 12 months | None | Good to Excellent (700+) | |
Wells FargoAutograph Journey 4631 2727 9748 6320 VALID THRU 11/31RILEY CHEN Wells Fargo Autograph Journey CardTravelers who book hotels and flights and want transfer partners |
$95/yr | 5x on hotels, 4x on airlines, 3x on other travel and dining, 1x on eve… | None | None | Good to Excellent (700+) | |
Wells FargoReflect 4602 8466 8949 9163 VALID THRU 06/31ALEX MORGAN Wells Fargo Reflect CardPaying down a big balance interest-free over ~21 months |
None | No rewards program; focused on a long interest-free period | 0% intro APR on purchases and qualifying balance transfers f… | 3% | Good to Excellent (700+) |
Approval rules and tips
About 1 new card per 6 months; 1 welcome bonus per 48 months (extended from 15 months in 2024).
- Use Wells Fargo's prequalified offers check first; it has no impact on your credit score.
- Widely reported: Wells Fargo approves about one new card per six months.
- Widely reported: welcome bonuses are limited to one every 48 months, a window extended from 15 months in 2024.
- Pick the right card for travel, since Active Cash and Reflect charge a foreign transaction fee while the Autograph cards do not.
How to apply for a Wells Fargo card
Apply at wellsfargo.com, in the Wells Fargo Mobile app or at a branch. The official prequalification check shows offers with no impact to your credit score before you submit a full application, which triggers a hard inquiry. Have your Social Security number, date of birth, address, income and housing costs ready. You can check application status by calling 1-800-967-9521, available 24 hours a day.
Customer service: www.wellsfargo.com · 1-800-642-4720
Wells Fargo FAQs
What credit cards does Wells Fargo offer?
Wells Fargo's notable cards include Wells Fargo Active Cash, Wells Fargo Autograph, Wells Fargo Autograph Journey, Wells Fargo Reflect, Wells Fargo Premier Autograph Visa Infinite. See the cards we review below for fees, rewards and APRs.
Does Wells Fargo have special approval rules?
About 1 new card per 6 months; 1 welcome bonus per 48 months (extended from 15 months in 2024).
How do I apply for a Wells Fargo credit card?
Apply on www.wellsfargo.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new Wells Fargo card?
See our step-by-step guide to activating a Wells Fargo credit card — online, in the app or by phone.
Do Wells Fargo cards charge foreign transaction fees?
It depends on the card. The Autograph and Autograph Journey cards have no foreign transaction fee, while Active Cash and Reflect charge 3% on purchases made outside the U.S. If you travel often, pairing Active Cash for everyday spending with an Autograph card for spending abroad avoids the fee.
Can Wells Fargo points be transferred to airlines?
Yes, from eligible cards. Wells Fargo's rewards terms say points transfer at a 1:1 ratio, in 1-point increments, to participating airline and hotel loyalty programs when you hold an eligible card such as the Autograph Journey. Points can also be redeemed for cash back, travel and gift cards through Wells Fargo Rewards.
Is the Bilt card still issued by Wells Fargo?
No. The Bilt card moved away from Wells Fargo in early 2026. New Bilt cards are issued by Column N.A. and serviced by Cardless. If you held the older Wells Fargo version, check the notices from Bilt and Wells Fargo about how your account was converted or closed.