Wells Fargo Active Cash
Readers who want a flat 2% cashback card AND a 15-month 0% intro APR on both purchases and balance transfers — the dual-use case is rare at $0 AF.
86 / 100
Solid pick
Wells Fargo Credit Cards
Wells's broader bank reputation drags trust, but the cards themselves are sound. Active Cash is the strongest of the bunch — flat 2% + 15-month 0% intro APR is rare at $0 AF.
Wells Fargo Autograph
Everyday drivers and broad spenders who want 3x points across six categories — gas and EV charging, travel, dining, transit, streaming, and phone plans — at a $0 annual fee and no foreign transaction fee.
86 / 100
Solid pick
Wells Fargo Reflect
Anyone financing a large purchase or paying down transferred debt who wants the maximum interest-free runway — up to 21 months of 0% intro APR on both purchases and balance transfers, at a $0 annual fee. It's the longest combined 0% window on the market.
76 / 100
Worth considering
Reviewed by the ClearValue Editorial Team. See methodology and disclosure.