Wells Fargo credit cards
6 Wells Fargo cards ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $95.
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- #1
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,114Year 2+$8643 years $2,842 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$1,114Year 2+$864Welcome or anniversary bonus$250 / $0Rewards on spending$864 / $864Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3%GrocGroceries3%DineDining and takeout3%GasGas and EV charging1.5%AirFlights1.5%HotelHotels and car rentals1.5%TransitTransit and rideshare1.5%StreamStreaming1.5%DrugDrugstores1.5%OnlineOnline shopping1.5%BillsPhone, internet and utilities1.5%OtherEverything elseWhy it's ranked here
- Ranked #1 of 6. By 3-year value on the family preset's spending. Over 3 years it's worth $2,842 after fees.
- Year 1. $1,114 = welcome bonus $250 + rewards $864.
- Each year after. $864 = rewards $864.
- Against #2. Beats Wells Fargo Active Cash by $330 over 3 years, mostly on rewards on spending (+$180).
Verified Oct 16, 2026Every term and assumption - #2
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$904Year 2+$8043 years $2,512 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$904Year 2+$804Welcome or anniversary bonus$100 / $0Rewards on spending$804 / $804Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
2%GrocGroceries2%DineDining and takeout2%GasGas and EV charging2%AirFlights2%HotelHotels and car rentals2%TransitTransit and rideshare2%StreamStreaming2%DrugDrugstores2%OnlineOnline shopping2%BillsPhone, internet and utilities2%OtherEverything elseWhy it's ranked here
- Ranked #2 of 6. By 3-year value on the family preset's spending. Over 3 years it's worth $2,512 after fees.
- Year 1. $904 = welcome bonus $100 + rewards $804.
- Each year after. $804 = rewards $804.
- Against #1. Trails Wells Fargo One Key Card by $330 over 3 years, mostly on rewards on spending (−$180).
- Against #3. Beats Wells Fargo Autograph Journey by $266 over 3 years, mostly on rewards on spending (+$601).
Verified Oct 16, 2026Every term and assumption - #3
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,149Year 2+$5493 years $2,246 after fees· pays for itself in month 2
Breakdown, earn rates and why it's ranked here
Year 1$1,149Year 2+$549Welcome or anniversary bonus$600 / $0Rewards on spending$604 / $604Credits$40 / $40Fees (taken off the end)−$95 / −$95 Pays for itself in month 2 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries3xDineDining and takeout1xGasGas and EV charging4xAirFlights5xHotelHotels and car rentals3xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #3 of 6. By 3-year value on the family preset's spending. Over 3 years it's worth $2,246 after fees.
- Year 1. $1,149 = welcome bonus $600 + rewards $604 + credits $40 − fee $95.
- Each year after. $549 = rewards $604 + credits $40 − fee $95.
- Against #2. Trails Wells Fargo Active Cash by $266 over 3 years, mostly on rewards on spending (−$601).
- Against #4. Beats Wells Fargo Choice Privileges Mastercard by $54 over 3 years, mostly on annual fees (−$285).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #4
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $1,031, based on 0.75 cents per pointYear 2+estimated value, about $581, based on 0.75 cents per point3 years estimated value, about $2,192, based on 0.75 cents per point after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $1,031, based on 0.75 cents per pointYear 2+estimated value, about $581, based on 0.75 cents per pointWelcome or anniversary bonus$450 / $0Rewards on spending$581 / $581Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries1xDineDining and takeout3xGasGas and EV charging1xAirFlights5xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping3xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #4 of 6. By 3-year value on the family preset's spending. Over 3 years it's worth about $2,192 (estimated) after fees.
- Year 1. about $1,031 (estimated) = welcome bonus $450 + rewards $581.
- Each year after. about $581 (estimated) = rewards $581.
- Against #3. Trails Wells Fargo Autograph Journey by $54 over 3 years, mostly on annual fees (+$285).
- Against #5. Beats Wells Fargo Autograph by $73 over 3 years, mostly on welcome bonus (+$250).
Points valued at 0.75¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #5
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$840Year 2+$6403 years $2,119 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$840Year 2+$640Welcome or anniversary bonus$200 / $0Rewards on spending$640 / $640Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1xGrocGroceries3xDineDining and takeout3xGasGas and EV charging3xAirFlights3xHotelHotels and car rentals3xTransitTransit and rideshare3xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #5 of 6. By 3-year value on the family preset's spending. Over 3 years it's worth $2,119 after fees.
- Year 1. $840 = welcome bonus $200 + rewards $640.
- Each year after. $640 = rewards $640.
- Against #4. Trails Wells Fargo Choice Privileges Mastercard by $73 over 3 years, mostly on welcome bonus (−$250).
- Against #6. Beats Wells Fargo Reflect by $2,119 over 3 years, mostly on rewards on spending (+$1,919).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #6
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$0Year 2+$03 years $0 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$0Year 2+$0Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
0%GrocGroceries0%DineDining and takeout0%GasGas and EV charging0%AirFlights0%HotelHotels and car rentals0%TransitTransit and rideshare0%StreamStreaming0%DrugDrugstores0%OnlineOnline shopping0%BillsPhone, internet and utilities0%OtherEverything elseWhy it's ranked here
- Ranked #6 of 6. By 3-year value on the family preset's spending. Over 3 years it's worth $0 after fees.
- Year 1. $0 = nothing.
- Each year after. $0 = nothing.
- Against #5. Trails Wells Fargo Autograph by $2,119 over 3 years, mostly on rewards on spending (−$1,919).
Verified Oct 16, 2026Every term and assumption
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
points at their cash value, after fees. "~" marks estimates.
| Card | Student | Couple | Family | Frequent traveller | Big spender |
|---|---|---|---|---|---|
| Wells Fargo One Key Card | $1,030 | $2,224 | $2,842 | $3,020 | $5,844 |
| Wells Fargo Active Cash | $809 | $1,940 | $2,512 | $2,894 | $5,831 |
| Wells Fargo Autograph Journey | $347 | $1,836 | $2,246 | $3,520 | $5,720 |
| Wells Fargo Choice Privileges Mastercard | ~$948 | ~$1,747 | ~$2,192 | ~$2,227 | ~$4,057 |
| Wells Fargo Autograph | $803 | $1,671 | $2,119 | $2,994 | $5,125 |
| Wells Fargo Reflect | $0 | $0 | $0 | $0 | $0 |
Frequently asked questions
Which Wells Fargo card is best?
On a family's spending, Wells Fargo One Key Card is worth the most over 3 years ($2,842).
What do Wells Fargo cards cost?
Annual fees from $0 to $95 across the 6 cards listed here.
What rewards do Wells Fargo cards earn?
Cash back, Wells Fargo Rewards, Choice Privileges. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.
Sources
Estimates for information only; not financial advice. See how cards are ranked.