Wells Fargo

Rebuilt its card lineup around the Autograph and Active Cash. A small but growing transfer program via Autograph Journey.

Application Rules

Flat 2% with cell phone protection thrown in.

$200 bonus (≈$200)AF: $0Rating: 8.2/10

3x on travel, dining, gas, transit, streaming and phone plans. Free.

20,000 pts bonus (≈$200)AF: $0Rating: 8.3/10

The card that turned Wells Fargo points into a transferable currency.

60,000 pts bonus (≈$900)AF: $95Rating: 8.0/10

21 months of 0% APR. That is the whole pitch, and it is the best one.

Special bonusAF: $0Rating: 7.8/10

4% back on gym memberships, concerts and the dog groomer. Seriously.

$100 bonus (≈$100)AF: $0Rating: 7.3/10

Unlimited 2% for your business with zero fee and zero homework.

$500 bonus (≈$500)AF: $0Rating: 7.9/10

Expedia store credit for people who already book everything on Expedia.

$250 bonus (≈$250)AF: $0Rating: 6.8/10

A fat point bonus on a free card, if you can love Choice hotels.

40,000 pts bonus (≈$360)AF: $0Rating: 7.0/10

30,000 anniversary points every year turn the $95 fee into a rounding error.

60,000 pts bonus (≈$540)AF: $95Rating: 7.4/10

3x on practically everything fun, for free, until Wells gave up on it.

Special bonusAF: $0Rating: 8.5/10

Stamps toward free nights, dissolved when One Key swallowed Hotels.com Rewards.

Special bonusAF: $0Rating: 6.6/10