I’ve covered the Wells Fargo Propel and Wells Fargo Cash Wise credit cards in the past couple of weeks, and now I want to take a look at one more Wells Fargo Card: the Wells Fargo Cash Back Visa Card.
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Wells Fargo Cash Back Visa® Card
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$0 first year
$0 after first year |
- - Read Review » |
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Wells Fargo Cash Back Visa® Card |
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Wells Fargo Propel American Express® Credit Card
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$0 first year
$0 after first year |
Earn an annual bonus of 10% Go Far™ Rewards points on non-bonus rewards points if you maintain a qualifying Consumer Wells Fargo Checking or Savings Account. Read Review » |
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Wells Fargo Propel American Express® Credit Card |
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Card Benefits
- $0 annual fee
- 5% cash back on gas, grocery, and drugstore purchases for the first 6 months
- 1% cash back on all other purchases, all the time
Is the card worth it?
For most people: no. For the first six months, this is a great card. 5% back on gas, grocery, and drugstore purchases is hard to beat, but most people won’t be able to make enough use of this over a six-month period to justify getting a new credit card. If you expect to have very high gas, grocery, or drugstore purchases over the next six months, you may want to consider applying for this card.
Assuming that you don’t fall into that category, some better cards worth considering are the Chase Freedom Unlimited, which earns 1.5 Ultimate Rewards Points per dollar spent on all purchases and can be transferred to airline and hotel transfer partners like Southwest and United if you have a premium Chase card like the Chase Sapphire Preferred Card. With just the Freedom Unlimited, you are looking at 1.5% back on all purchases, paired with the Sapphire Preferred you can get even more value out of the card.
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Chase Freedom Unlimited(SM)
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$0 annual fee
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$150 Bonus After you spend $500 on purchases in your first 3 months from account opening Read Review » |
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Chase Freedom Unlimited(SM) |
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Chase Sapphire Preferred® Card
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$0 intro first year
$95 annual fee |
Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards® Read Review » |
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Chase Sapphire Preferred® Card |
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If you’re looking for something a little more simple, the Barclaycard Arrival World Elite Mastercard or Citi Double Cash cards might be just what you’re looking for. The Barclay Arrival will give you 2.1% back when redeeming your points toward travel purchases and comes with an $89 annual fee, waived the first year. The Citi Double Cash doesn’t even have an annual fee and will give you 1% back when you make a purchase and another percent back when you pay your card off for a total of 2% back.
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Barclaycard Arrival Plus™ World Elite MasterCard®
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$0 first year
$89 after first year |
40,000 bonus miles When you spend $3,000 on purchases in the first 90 days Read Review » |
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The information for the Barclaycard Arrival Plus™ World Elite MasterCard® has been collected independently by FTG. The card details on this page have not been reviewed or provided by the card issuer.
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Barclaycard Arrival Plus™ World Elite MasterCard® |
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| Read Review Add to Favorites | ||||||
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| Read the FTG Review » | ||||||
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The information for the Barclaycard Arrival Plus™ World Elite MasterCard® has been collected independently by FTG. The card details on this page have not been reviewed or provided by the card issuer.
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Citi® Double Cash Card
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$0 first year
$0 after first year |
No Sign-Up Bonus - Read Review » |
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Citi® Double Cash Card |
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| Apply Now Add to Favorites | ||||||
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Final Thoughts
I don’t think that the Wells Fargo Cash Back Visa Card is a good option for very many people. The exception being if you plan to spend large amounts of money at grocery stores, gas stations, or drugstores within six months from the time you get the card. Otherwise, there are a few better options available.
What do you think about the Wells Fargo Cash Back Visa Card?
[Image via Getty]