Our Best Rewards Credit Card
20,000 points after you spend $1,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagewellsfargo.com
“Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months 1 – that’s a $200 cash redemption value”
- Annual fee
- Issuer's pagewellsfargo.com
“$0 annual fee”
- Purchase APR
- Issuer's pagewellsfargo.com
“18.74%, 24.74% or 28.74% variable APR thereafter”
- Foreign transaction fee
- Issuer's pagewellsfargo.com
“No Foreign Transaction Fee”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $370 | $170 |
| Typical spender | $655 | $455 |
| Heavy spender | $1,365 | $1,165 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 90% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20,000 points
After you spend $1,000 on purchases in your first 3 months.
The bonus rewards points will show as redeemable within 60 days after they are earned; the stated cash redemption value is $200.
Spending it takes$333 a monthfor 3 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · Wells Fargo Rewards®
- 3× pointsRestaurants; dining in, take-out, catering, delivery and more
- 3× pointsTravel, including airfare, hotels, car rentals, cruises, travel agencies, discount travel sites, timeshares and campgrounds
- 3× pointsGas stations and electric vehicle charging stations
- 3× pointsTransit, including subways, ride shares, passenger railway, taxis, limousines, ferries, parking, tolls and more
- 3× pointsPopular Streaming Services
- 3× pointsPhone Plans, including cell phone and landline providers
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagewellsfargo.com “$0 annual fee” |
|---|---|
| Purchase APR | Issuer's pagewellsfargo.com “18.74%, 24.74% or 28.74% variable APR thereafter” |
| Intro APR | Issuer's pagewellsfargo.com “0% intro APR for 12 months from account opening on purchases.” |
| Foreign transactions | Issuer's pagewellsfargo.com “No Foreign Transaction Fee” |
Carrying a balance? See how long it takes to pay off
Benefits
- No foreign transaction fee.
- Travel and Emergency Assistance Services provide assistance and referral only while traveling anywhere in the world; the cardholder is responsible for the cost of services or goods provided.
- Visa Signature Concierge Services are complimentary and available 24/7.
- Visa Signature Luxury Hotel Collection benefits are available at participating properties when reservations are booked through a Visa Luxury Hotel Collection website or Visa Concierge.
- My Wells Fargo Deals can provide personalized merchant offers with cash back issued as an account credit after activation and qualifying purchases.
- Autograph Card Exclusives provides access to tickets to certain live events, subject to availability.
- Emergency cash disbursement or card replacement may be available within one to three business days after issuer approval.
- Credit Close-Up provides monthly FICO Score updates and personalized credit insights to eligible Wells Fargo Online customers.
- Cell phone: Each approved claim has a benefit limit of $600
- Rental car
- Emergency assistance
- Roadside
Questions
- What is the annual fee?
- $0 annual fee wellsfargo.com, since Oct 1, 2026
- Does it charge a foreign transaction fee?
- No. wellsfargo.com, since Oct 1, 2026
- What is the purchase APR?
- 18.74–28.74% APR wellsfargo.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months from account opening on purchases. wellsfargo.com, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 points after $1,000 in purchases in 3 months. wellsfargo.com, since Sep 30, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$445 a year
- GM Rewards MastercardBarclays · No annual fee+$445 a year
- CareCredit MastercardSynchrony · No annual fee+$255 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).