If you’re thinking about getting a credit card, cash back rewards are a great place to start. They help you save on everyday stuff—groceries, gas, subscriptions—you name it.
Wells Fargo has a few solid options that make cash back pretty easy. In this post, we’ll break down the best Wells Fargo cash back credit cards for 2025.
Best Wells Fargo Cash Back Credit Cards in 2025
Wells Fargo has a few different cash back cards. Each one works best for a certain type of spender. Here are our top picks:
1. Wells Fargo Active Cash® Card
Best for: Simple, flat-rate cash back
This card gives you unlimited 2% cash back on everything. No tracking categories or changing rewards.
Quick facts:
- 2% cash back on every purchase
- No annual fee
- $200 bonus after $500 spend in the first 3 months
- 0% intro APR for 15 months
- Cell phone protection
Why it’s good:
- Solid flat cash back
- Decent sign-up bonus
- Long 0% intro APR
Why it’s not:
- No extra rewards in specific categories
- Charges a fee on foreign purchases
2. Wells Fargo Autograph™ Card
Best for: Spending in specific categories
This one earns 3X points in areas like travel, restaurants, and streaming. Good if those are part of your regular budget.
Quick facts:
- 3X on travel, dining, gas, transit, streaming, and phone plans
- 1X on everything else
- No annual fee
- $200 bonus (20,000 points) after $1,000 spend in 3 months
- 0% intro APR for 12 months
Why it’s good:
- High points in useful categories
- Flexible redemption options
Why it’s not:
- Lower rewards on other purchases
- You’ll need to track your spending to get the most out of it
3. Wells Fargo Reflect® Card
Best for: Paying off a balance over time
This one doesn’t offer rewards. But it gives you up to 21 months of 0% intro APR if you pay on time. That’s hard to beat for balance transfers or big purchases.
Quick facts:
- Up to 21 months 0% intro APR (18 months + 3-month extension)
- No annual fee
- Cell phone protection
Why it’s good:
- One of the longest intro APR offers available
Why it’s not:
- No rewards or points
- No bonus categories
4. Wells Fargo Cash Wise Visa® Card (Older option)
Best for: Simplicity (if you already have it)
This card is no longer offered to new applicants. But if you already have it, it still earns 1.5% cash back.
Quick facts:
- 1.5% on all purchases
- $150 bonus (if still active)
- No annual fee
Why it’s good:
- Simple rewards structure
- No categories to manage
Why it’s not:
- Lower rewards rate than Active Cash
- May not be available anymore
How to Choose the Best Wells Fargo Cash Back Card
Picking the right card depends on how you spend and what you want to get from it. Here’s how to decide:
Look at your spending
- Spend a lot on gas, travel, or restaurants? Go with Autograph.
- Want simple rewards without thinking? Active Cash is better.
Need 0% APR?
- Got a big purchase coming up? Reflect gives you breathing room.
Like things simple?
- If you don’t want to track categories, stick with Active Cash.
Chasing a bonus?
- Compare welcome offers. They’re an easy way to grab some extra cash.
Extra perks
- Most Wells Fargo cards include cell phone protection.
Why Wells Fargo Cash Back Cards Are Worth It
Wells Fargo keeps things simple, with no annual fees and decent perks. Here’s what makes them stand out:
No Annual Fee
None of their major cards charge an annual fee. That means more money stays in your pocket.
How to Redeem
You can use your rewards as:
- Statement credits
- Direct deposit to a Wells Fargo account
- Travel or gift cards (for points cards)
Cell Phone Coverage
Pay your bill with your card and get protection if your phone’s stolen or damaged.
0% APR Periods
Introductory APRs are solid—ranging from 12 to 21 months.
Tap and Pay
All cards come with contactless tech for quicker checkout.
Side-by-Side Comparison
| Card Name | Cash Back/Points | Welcome Bonus | Annual Fee | Intro APR | Best For |
|---|---|---|---|---|---|
| Active Cash® | 2% on all purchases | $200 after $500 in 3 months | $0 | 15 months (0%) | Flat-rate rewards |
| Autograph™ | 3X on popular categories | 20,000 points after $1,000 | $0 | 12 months (0%) | Bonus spending areas |
| Reflect® | None | None | $0 | Up to 21 months | 0% APR and balance payoff |
| Cash Wise Visa® | 1.5% on everything | $150 (if still available) | $0 | Varies | Simplicity (legacy users) |
Tips to Get the Most Cash Back
Mix and Match Cards
Use Autograph for category spending and Active Cash for everything else.
Watch Your Spending
Track what you spend most on and adjust which card you use.
Avoid Interest
Pay off your balance monthly so your cash back isn’t wiped out by interest.
Use That Intro Offer
Plan a big purchase right after getting the card to meet bonus thresholds.
Add to Your Digital Wallet
These cards work with Apple Pay, Google Pay, and Samsung Pay.
Read more: Tool Tech Supply: Where Tools and Tech Come Together
FAQ: Wells Fargo Credit Cards
Q: Which Wells Fargo card gives the most cash back?
A: The Active Cash® Card offers a flat 2% on everything.
Q: Do Wells Fargo cash back cards have annual fees?
A: Nope. They all come with no annual fee.
Q: How can I use my rewards?
A: Options include statement credits, travel, gift cards, or direct deposit.
Q: Is there a 0% APR offer?
A: Yes. It ranges from 12 to 21 months, depending on the card.
Q: What credit score do I need?
A: Usually 670 or higher.
Q: Can I have more than one Wells Fargo card?
A: Yes, if you qualify.
Final Thoughts
Each Wells Fargo card has something good going for it. The Active Cash® Card is a great pick for most people with its 2% back on everything.
The Autograph™ Card is better if you spend more on travel, gas, or food.
If you want to pay off debt interest-free, the Reflect® Card is your best bet.
They’re all solid choices—and since there are no annual fees, it’s easy to keep them long-term
