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Skip to contentNerdWallet Home Page Our top picks See credit cards & more Top Picks Guides & tips Get money expertise Guides Calculators Crunch real numbers Tools My NerdWallet Log in Sign up Sign up My NerdWallet Up your money game with a NerdWallet account Up your money game with a NerdWallet account Continue with AppleContinue with Google or continue with email By signing up, I agree to NerdWallet’s Terms of Service and Privacy Policy. Credit Cards Credit Cards Excellent Credit Cards of 2022 Advertiser disclosure YOU’RE OUR FIRST PRIORITY. EVERY TIME. We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners. ADVERTISEMENT: products from our partners 8 EXCELLENT CREDIT CARDS OF 2022 From huge sign-up bonuses to generous rewards, we've picked credit cards that stand out from the crowd. Compare these deals, some of which are from our partners, to find the right one for you. From huge sign-up bonuses to generous rewards, we've picked credit cards that stand out from the crowd. Compare these deals, some of which are from our partners, to find the right one for you. Show summary NERDWALLET'S EXCELLENT CREDIT CARDS OF 2022 * Chase Freedom Unlimited®: Excellent for Cash-Back Pairing with Chase Sapphire Preferred® * Wells Fargo Active Cash® Card: Excellent for Cash Back — High Flat Rate + Incentives * Capital One SavorOne Cash Rewards Credit Card: Excellent for Dining and Groceries + No Annual Fee * Discover it® Cash Back: Excellent for Bonus Categories and First Year Cashback Match * Chase Sapphire Preferred® Card: Excellent for Airline Miles and a Large Bonus * Capital One Venture Rewards Credit Card: Excellent for Flat-Rate Travel Rewards * Citi Custom Cash℠ Card: Excellent for Lucrative Rewards for Everyday Spending * Wells Fargo Reflect® Card: Excellent for Longest 0% intro APR period EXCELLENT CREDIT CARDS FROM OUR PARTNERS Credit cardNerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. Annual feeIntro APRRegular APRLearn more Chase Freedom Unlimited® Apply now on Chase's website 5.0 /5 Excellent for Cash-Back Pairing with Chase Sapphire Preferred® $0 0% intro APR for 15 months on purchases and balance transfers 17.24%-25.99% Variable APR Apply now on Chase's website Wells Fargo Active Cash® Card Apply now on Wells Fargo's website 5.0 /5 Excellent for Cash Back — High Flat Rate + Incentives $0 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers 17.24%, 22.24%, or 27.24% Variable APR Apply now on Wells Fargo's website Rates & Fees Capital One SavorOne Cash Rewards Credit Card Apply now on Capital One's website 5.0 /5 Excellent for Dining and Groceries + No Annual Fee $0 0% intro APR for 15 months on purchases and balance transfers 16.49%-26.49% Variable APR Apply now on Capital One's website Discover it® Cash Back Apply now on Discover's website, or call 800-347-0264 4.9 /5 Excellent for Bonus Categories and First Year Cashback Match $0 0% intro APR for 15 months on purchases and balance transfers 14.24%-25.24% Variable APR Apply now on Discover's website, or call 800-347-0264 Rates & Fees Chase Sapphire Preferred® Card Apply now on Chase's website 5.0 /5 Excellent for Airline Miles and a Large Bonus $95 N/A 18.24%-25.24% Variable APR Apply now on Chase's website Capital One Venture Rewards Credit Card Apply now on Capital One's website 4.7 /5 Excellent for Flat-Rate Travel Rewards $95 N/A 17.49%-25.49% Variable APR Apply now on Capital One's website Citi Custom Cash℠ Card Apply now on Citibank's application 4.7 /5 Excellent for Lucrative Rewards for Everyday Spending $0 0% intro APR on Purchases and Balance Transfers for 15 months 16.24% - 26.24% Variable APR Apply now on Citibank's application Wells Fargo Reflect® Card Apply now on Wells Fargo's website 5.0 /5 Excellent for Longest 0% intro APR period $0 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers 15.24%-27.24% Variable APR Apply now on Wells Fargo's website Rates & Fees Excellent for Cash-Back Pairing with Chase Sapphire Preferred® Apply now on Chase's website CHASE FREEDOM UNLIMITED® 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Apply now on Chase's website Annual fee $0 Intro APR 0% intro APR for 15 months on purchases and balance transfers Regular APR 17.24%-25.99% Variable APR Recommended Credit Score 690850good - excellent See your approval odds See your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more. Product Details Pros & Cons * INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! * Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). * After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. * No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open! * Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%. * No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card * Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Apply Now on Chase's website * INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! * Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). * After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. * No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open! * Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24% - 25.99%. * No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card * Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more. Apply Now on Chase's website Show Less Pros * No annual fee * Intro APR period * High rewards rate * No minimum redemption amount Cons * Requires good/excellent credit Read full review Excellent for Cash Back — High Flat Rate + Incentives Apply now on Wells Fargo's website Rates & Fees WELLS FARGO ACTIVE CASH® CARD 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Apply now on Wells Fargo's website Rates & Fees Annual fee $0 Intro APR 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers Regular APR 17.24%, 22.24%, or 27.24% Variable APR Recommended Credit Score 690850good - excellent See your approval odds See your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more. Product Details Pros & Cons * Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months * Earn unlimited 2% cash rewards on purchases * 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5 * $0 annual fee * No categories to track or remember and cash rewards don't expire as long as your account remains open * Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge * Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible). * Select “Apply Now” to learn more about the product features, terms and conditions * View Rates & Fees Apply Now on Wells Fargo's website * Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months * Earn unlimited 2% cash rewards on purchases * 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 17.24%, 22.24%, or 27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5 * $0 annual fee * No categories to track or remember and cash rewards don't expire as long as your account remains open * Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge * Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible). * Select “Apply Now” to learn more about the product features, terms and conditions * View Rates & Fees Apply Now on Wells Fargo's website Show More Pros * High rewards rate * No annual fee * Intro APR period Cons * No bonus categories Read full review Excellent for Dining and Groceries + No Annual Fee Apply now on Capital One's website CAPITAL ONE SAVORONE CASH REWARDS CREDIT CARD 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Apply now on Capital One's website Annual fee $0 Intro APR 0% intro APR for 15 months on purchases and balance transfers Regular APR 16.49%-26.49% Variable APR Recommended Credit Score 690850good - excellent See your approval odds See your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more. Product Details Pros & Cons * Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening * Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases * Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply * Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats * No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn * 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months * No foreign transaction fee * No annual fee Apply Now on Capital One's website * Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening * Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases * Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply * Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats * No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn * 0% intro APR on purchases and balance transfers for 15 months; 16.49% - 26.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months * No foreign transaction fee * No annual fee Apply Now on Capital One's website Show More Pros * No annual fee * Intro APR period * Bonus categories * No foreign transaction fees Cons * Requires good/excellent credit Read full review Excellent for Bonus Categories and First Year Cashback Match Apply now on Discover's website, or call 800-347-0264 Rates & Fees DISCOVER IT® CASH BACK 4.9 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Apply now on Discover's website, or call 800-347-0264 Rates & Fees Annual fee $0 Intro APR 0% intro APR for 15 months on purchases and balance transfers Regular APR 14.24%-25.24% Variable APR Recommended Credit Score 690850good - excellent See your approval odds See your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more. Product Details Pros & Cons * INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. * Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. * NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free. * Every $1 you earn in cash back is $1 you can redeem. * Get a 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR applies, based on credit worthiness. * No annual fee. * Click "Apply Now" to see terms and conditions. * View Rates & Fees Apply Now on Discover's website, or call 800-347-0264 * INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300. * Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. * NEW! Discover helps remove your personal information from select people-search websites. Activate by mobile app for free. * Every $1 you earn in cash back is $1 you can redeem. * Get a 0% intro APR for 15 months on purchases. Then 14.24% to 25.24% Standard Variable Purchase APR applies, based on credit worthiness. * No annual fee. * Click "Apply Now" to see terms and conditions. * View Rates & Fees Apply Now on Discover's website, or call 800-347-0264 Show More Pros * No annual fee * Intro APR period * Bonus categories * Cash rewards Cons * Complicated rewards * Spending caps on bonus rewards * Lower acceptance abroad Read full review Excellent for Airline Miles and a Large Bonus Apply now on Chase's website CHASE SAPPHIRE PREFERRED® CARD 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Apply now on Chase's website Annual fee $95 Intro APR N/A Regular APR 18.24%-25.24% Variable APR Recommended Credit Score 690850good - excellent See your approval odds See your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more. Product Details Pros & Cons * Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. * Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more. * Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel. * With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories * Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. * Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. Apply Now on Chase's website * Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®. * Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more. * Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel. * With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories * Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more. * Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024. Apply Now on Chase's website Show More Pros * New cardholder bonus offer * Bonus categories * Primary rental car coverage * Flexible rewards redemption * Transfer partners Cons * Has annual fee * Requires good/excellent credit * Complicated rewards Read full review Excellent for Flat-Rate Travel Rewards Apply now on Capital One's website CAPITAL ONE VENTURE REWARDS CREDIT CARD 4.7 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Apply now on Capital One's website Annual fee $95 Intro APR N/A Regular APR 17.49%-25.49% Variable APR Recommended Credit Score 690850good - excellent See your approval odds See your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more. Product Details Pros & Cons * Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel * Earn unlimited 2X miles on every purchase, every day * Miles won't expire for the life of the account and there's no limit to how many you can earn * Receive up to a $100 credit for Global Entry or TSA PreCheck® * Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network * Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options * Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel * Transfer your miles to your choice of 15+ travel loyalty programs Apply Now on Capital One's website * Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel * Earn unlimited 2X miles on every purchase, every day * Miles won't expire for the life of the account and there's no limit to how many you can earn * Receive up to a $100 credit for Global Entry or TSA PreCheck® * Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network * Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options * Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel * Transfer your miles to your choice of 15+ travel loyalty programs Apply Now on Capital One's website Show More Pros * High rewards rate * Flexible rewards redemption Cons * High annual fee * Rewards have limited flexibility * Requires good/excellent credit Read full review Excellent for Lucrative Rewards for Everyday Spending Apply now on Citibank's application CITI CUSTOM CASH℠ CARD 4.7 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Apply now on Citibank's application Annual fee $0 Intro APR 0% intro APR on Purchases and Balance Transfers for 15 months Regular APR 16.24% - 26.24% Variable APR Recommended Credit Score 690850good - excellent See your approval odds See your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more. Product Details Pros & Cons * Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. * 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness. * Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. * No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. * No Annual Fee * Citi will only issue one Citi Custom Cash℠ Card account per person. Apply Now on Citibank's application * Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. * 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness. * Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. * No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. * No Annual Fee * Citi will only issue one Citi Custom Cash℠ Card account per person. Apply Now on Citibank's application Show More Pros * No annual fee * 5% bonus categories * Intro APR Period Cons * Low rate outside bonus categories * Requires good/excellent credit Read full review Excellent for Longest 0% intro APR period Apply now on Wells Fargo's website Rates & Fees WELLS FARGO REFLECT® CARD 5.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Apply now on Wells Fargo's website Rates & Fees Annual fee $0 Intro APR 0% intro APR for up to 21 months from account opening on purchases and qualifying balance transfers Regular APR 15.24%-27.24% Variable APR Recommended Credit Score 690850good - excellent See your approval odds See your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more. Product Details Pros & Cons * 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 15.24% to 27.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5 * $0 Annual Fee * Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). * An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. * Select "Apply Now" to learn more about the product features, terms and conditions * View Rates & Fees Apply Now on Wells Fargo's website * 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 15.24% to 27.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5 * $0 Annual Fee * Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). * An easy way to earn cash back while you shop, dine or enjoy an experience simply by using your Wells Fargo credit card. Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. * Select "Apply Now" to learn more about the product features, terms and conditions * View Rates & Fees Apply Now on Wells Fargo's website Show More Pros * No annual fee * Intro APR period Cons * No rewards Read full review NerdWallet Home Page Make all the right money moves about Company Leadership Careers Social impact Diversity & Inclusion Editorial guidelines Editorial team News Press kit Investors help Help center Support team Community Security FAQs legal Terms of use Privacy policy California privacy policy Updated Do not sell my personal information Download the app Learn more about the app Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. 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