Independent rankings · Updated July 2026
Best Wells Fargo Credit Cards
Every Wells Fargo card we cover, ranked by our net-value model — welcome bonuses, annual fees, and the perks that actually pay off.
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Bilt Mastercard
Wells Fargo
Welcome Offer
No traditional bonus; earn points on rent with no fee
PROS
CONS
Annual Fee
$0
Earning Rate
3X on dining, 2X on travel, 1X on rent payments (up to 50,000 points/year), 1X on everything else
Wells Fargo Autograph Journey
Wells Fargo
Welcome Offer
Earn 60,000 bonus points after spending $4,000 in purchases in the first 3 months
PROS
CONS
Annual Fee
$95
Earning Rate
5X on hotels; 4X on airlines; 3X on other travel and dining; 1X on all other purchases.
Advertiser disclosure: CreditMilesGuru may earn a commission when you apply through links on this page. This never influences our editorial ratings, rankings, or the CardGuru algorithm — those are driven purely by the value math. Verify current terms on the issuer’s site; welcome offers and benefits change frequently.