By DialHelpUSA Editorial Team · 300-word guide
| Card | Annual Fee | Best For |
|---|---|---|
| Active Cash | $0 | 2% flat cashback on everything |
| Reflect | $0 | 0% intro APR for 21 months on balance transfer |
| Autograph | $0 | 3x points on travel, dining, gas, transit, streaming |
| Autograph Journey | $95 | 5x on hotels, 4x on airfare, 3x dining |
| Bilt Mastercard | $0 | 1x rent (up to $100K), 3x dining, 2x travel |
Earn: 2% cashback on every purchase. Period. No categories to track, no caps, no rotating bonuses.
Best for: people who want one card for everything. Beats most flat-rate cards (Citi Double Cash, Chase Freedom Unlimited).
Skip if: you're a heavy traveler or category spender - other cards earn more in those niches.
Earn: Nothing - this is purely a 0% APR card.
Intro APR: 0% for 21 months on purchases and balance transfers.
Best for: consolidating high-interest credit card debt. Move your balance, pay it off interest-free over 21 months.
Watch out: 5% balance transfer fee ($5 minimum). Calculate if interest savings exceed the transfer fee.
Earn: 3x points on travel, dining, gas stations, transit, popular streaming services. 1x everything else.
Bonus: typically 20,000 points after $1,000 spend in 90 days ($200 value).
Best for: people who spend $500+/month in those categories. The 3x rate is among the best for no-annual-fee cards.
Note: No foreign transaction fees - good for international travel.
Earn: 1x point on rent payments (up to $100,000/year). Most landlords accept Bilt without merchant fees - the only major card to do so.
Plus: 3x on dining, 2x on travel, 1x other.
Best for: renters who pay $1,500+ monthly. Earns $180-$300/year just on rent payments.
Apply at biltrewards.com - Wells Fargo issues the card.
Existing Wells Fargo customers usually get the best terms. New customers may want to wait until they have a Wells Fargo checking account first.
For full Wells Fargo contact details: Wells Fargo Customer Service.
Autograph and Active Cash typically offer $200-300 cashback bonuses for $500-1,000 spend in 90 days. Sometimes Reflect runs $0 fee balance transfer offers.
Active Cash and Reflect have 3% foreign transaction fees. Autograph, Autograph Journey, and Bilt have no foreign transaction fees.
Yes - many people have Active Cash for everyday + Autograph for travel + Reflect for balance transfers. Wells Fargo has no published 5/24 type rule.
Common reasons: low credit score, recent multiple inquiries, existing Wells Fargo debt. Apply with a higher score (700+) and clean recent history.
Other questions our readers commonly ask about this topic:
Yes - Wells Fargo customer service is reachable on a toll-free U.S. number that does not charge a per-minute fee. Standard mobile-carrier minutes may apply on metered cellular plans. International callers may pay long-distance charges depending on country and carrier. Visit our Wells Fargo contact page for current toll-free numbers and hours.
Simple problems (account access, password resets, basic billing questions) typically resolve in a single 10-15 minute call. Complex issues (refund disputes, identity verification, escalated complaints) usually take 3-7 business days because they need supervisor review or document submission. If your case has stalled past 7 business days, escalate to a supervisor or the executive customer service team.
First, politely ask to escalate to a supervisor or to the executive customer service team. Most brands have an internal "office of the president" that handles complex complaints. If escalation does not resolve it, file a complaint with the Better Business Bureau (bbb.org), your state Attorney General consumer-protection portal, and - for finance, telecom, or airline issues - the relevant federal agency (CFPB, FCC, or DOT). Our Wells Fargo customer service guide lists the alternate channels.