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Say hello to the Reflect® Card
Enjoy our lowest intro APR for 21 months on purchases
and qualifying balance transfers
Learn more
Terms apply
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Check for prequalified credit card offers
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No impact to your credit score
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Find a card that fits your needs
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Takes less than a minute
Check for offers
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Meet the Active Cash® Card
Earn a $200 cash rewards bonus when you
spend $500 in purchases
in the first 3 months2
Plus, earn unlimited 2% cash rewards on purchases1
Learn more
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IT’S A GREAT DAY TO START
EARNING REWARDS NIGHTS
with the Choice Privileges® Mastercard® Credit Cards
Learn more
Learn more
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Explore
a wider world of 3X points3
Earn 20,000 bonus
points when
you spend $1,000 in
purchases in the first 3 months4
Earn 20,000 bonus
points when
you spend $1,000 in
purchases in the first 3 months4
Learn more
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- All cards (6)
- Cash back (1)
- Rewards (5)
- 0% intro APR (3)
- Travel (4)
- Balance transfer (2)
- No annual fee (5)
- All cards (6)
- Cash back (1)
- Rewards (5)
- 0% intro APR (3)
- Travel (4)
- Balance transfer (2)
- No annual fee (5)
Don’t miss out on these offers as they can vary over time and through different communication channels such as email, mail, online, phone or in a branch. Apply now on this page to take advantage of these offers.
Active Cash® Card
Earn unlimited 2% cash rewards on purchases1
Intro offer
$200 cash rewards bonus when you spend $500 in purchases in the first 3 months2
Rewards
Unlimited 2% cash rewards on purchases1
Annual fee
$0
APR
0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24% or 29.99% variable APR thereafter. Balance transfers made within 120 days qualify for the intro rate and fee.
Important Credit Terms
Apply now
Learn more
Autographservice mark℠ Card
Earn 3X points3 for many ways to keep life in motion
Intro offer
Earn 20,000 bonus points when you spend $1,000 in purchases within the first 3 months4
Rewards
Unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans3
1X points on other purchases3
Annual fee
$0
APR
0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24% or 29.99% variable APR thereafter.
Important Credit Terms
Apply now
Learn more
Reflect® Card
Enjoy our lowest intro APR for 21 months
APR
0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74% or 29.99% variable APR thereafter. Balance transfers made within 120 days from account opening qualify for the introductory rate.
Annual fee
$0
Important Credit Terms
Apply now
Learn more
Bilt Mastercard®
Finally. A credit card that lets you earn points on rent.5 And more.
Rewards
1X points on rent payments without the transactionfee5
2X points on travel5
3X points on dining5
& 1X points on other purchases5
Use the card 5 times to earn points each statement period5
Rent day
Earn double points on the 1st of each month - that's 6X points on dining, 4X points on travel, and 2X points on other purchases (except rent)6
Annual fee
$0
Important Credit Terms
Learn more
Choice Privileges® Mastercard®
This stop is just the start
Intro offer
Earn 40,000 bonus points when you spend $1,000 in purchases within the first 3 months7 – enough to redeem for up to 5 reward nights at select Choice Hotels® properties.
Rewards
5X points on stays at participating Choice Hotels®8plus on choice privileges point purchases properties9
3X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services8
1X points on other purchases8
Annual fee
$0
Compare
Choice Privileges credit cards
Important Credit Terms
Learn more
Choice Privileges® Select Mastercard®
Travel on. And on. And on.
Intro offer
Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months10 – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.
Rewards
10X points on stays at participating Choice Hotels® properties11 plus on Choice Privileges point purchases12
5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services11
1X points on other purchases11
Annual fee
$95
Compare
Choice Privileges credit cards
Important Credit Terms
Learn more
Check for prequalified credit card offers
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No impact to your credit score
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Find a card that fits your needs
-
Takes less than a minute
Check for offers
All about credit cards
How to choose the best credit card for you
Learn more about how to choose a credit card that’s a good fit for your needs.
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What are credit card rewards and how do they work?
Learn more about how rewards credit cards and rewards points work, and how to find the right one for you.
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What is a balance transfer credit card and is it right for me?
Learn more about how balance transfers work, the benefits of balance transfers, and more.
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Other things you need to know
Offers may differ from time to time and depend on the marketing channel, such as phone, email, online, direct mail, or in branch. You must select Apply Now on this page to take advantage of this specific offer.
View credit cardholder agreements
Credit card is subject to credit qualification.
You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.
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1. 2% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card account. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for further details.←back to content
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2. To qualify for the $200 cash rewards bonus, a total of at least $500 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus cash rewards will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Active Cash Visa® Card Addendum for details. ←back to content
3. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose VISA® merchant code is classified as: Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. Transit: passenger railway, taxis, limousines, ferries, toll bridges and highways, parking lots and garages. Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Dining: eating places and restaurants, drinking places, fast food restaurants, and/or caterers. Phone plans: landline and cell phone providers considered telecommunication services. Popular streaming services: cable and other pay television, digital goods, books, movies, music, and continuity/subscription services, as listed at: wellsfargo.com/autographstreaming Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the VISA category codes listed above refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for details. ←back to content
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4. To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. Refer to the Summary of the Wells Fargo Rewards® Program Terms and Conditions and the Wells Fargo Autograph Visa® Card Addendum for details. ←back to content
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5. When you make at least 5 transactions in a statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying netpurchases (purchases minus returns /credits) for that statement period. Rent: You'll earn 1 rewards point per $1 spent on rent paid throughthe Bilt App with your card account up to a maximum of One Hundred Thousand (100,000) points each calendar year. If your rent payment is less than $250, you will earn 250 points for that rent payment. Rent payments can only be madeto one rental property per month. Travel: 2 rewards points (1 base point plus 1 bonus point) are earned per $1 spent on qualifying netpurchases made directly at retailers whose Merchant Code for Mastercard is classified as airlines, hotels, motels, resorts, cruise lines, and car rental agencies. Dining: 3 rewards points (1base point plus 2 bonus points) are earned per $1spent on qualifying net purchases at retailerswhose Merchant Code for Mastercard is classified as eating places and restaurants,drinking places, bakeries, or fast food restaurants. Purchases not processed using the Merchant Codes for Mastercard mentionedabove will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business andtherefore reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made throughthird-party payment accounts, at onlinemarketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. Otherpurchases: 1 rewards point will be earned per $1 spent on other qualifying net purchases. If you do not make at least 5 transactions in a statement period you’ll earn a flat 250 points when you useyour Bilt Mastercard to pay rent through the Bilt App. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards,Balance Transfers, SUPERCHECKS™, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagerstransmitted over the internet, and casino gaming do not earn points. Refer to the Bilt World Elite Mastercard® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details. ←back to content
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6. This promotional offer is valid on the 1st of every month, from 12am ET through 11:59pm PT, unless notice is provided to you at least 60 days in advance via email. You will earn 6 rewards points (3 bonus points) for every $1 spent on net dining purchases (purchases minus returns/credits), 4 rewards points (2 bonus points) for every $1 spent on net travel purchases (purchases minus returns/credits), and 2 rewards points (1 bonus point) for every $1 spent on net purchases of anything outside of rent, travel, and dining (purchases minus returns/credits), subject to the Bilt World Elite Mastercard® Credit Card Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") and Bilt Rewards Terms & Conditions. The maximum amount of bonus points you can earn under this promotion is 10,000 per month, regardless of how much you purchase. Purchases not processed using the Merchant Codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and therefore reserves the right to determine which purchases qualify for bonus points. You must make at least 5 posted transactions in a statement period using your Bilt Mastercard to earn points, including bonus points for this promotional offer. It may take up to seven (7) days for bonus points earned through this offer to post to your account. To qualify for this promotional offer, your Bilt Mastercard account must be open and not in default at the time of fulfillment. Should you receive points on an ineligible purchase, Bilt may deduct those points at its discretion. ←back to content
7. To qualify for the 40,000 bonus points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, balance transfers, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn rewards points. Refer to the Choice Privileges® Mastercard® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for additional details about the program. ←back to content
8. Five points (1 base point plus 4 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice® brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Three points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists for providing a home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges® Mastercard® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details. ←back to content
9. Earn 5 points (1 base plus 4 bonus points) per $1 spent on qualifying net purchases made on the card account of Choice Privileges points, which will be awarded in the billing cycle when the qualifying purchases posts to the card account. Refer to the Choice Privileges® Mastercard® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms"). The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content
10. To qualify for the 60,000 bonus points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. These bonus rewards points will show as redeemable within 1 – 2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM charges, cash advances, traveler’s checks, money orders, pre-paid gift cards, balance transfers, wire transfers, fees or interest posted to your card account such as returned payment fees, late fees, monthly or annual fees, bets or wagers transmitted over the internet, casino gaming chips, lottery tickets, off-track wagers, do not earn rewards points. Refer to the Choice Privileges® Select Mastercard® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for additional details about the program. ←back to content
11. Ten points (1 base point plus 9 bonus points) per $1 spent on qualifying stays made on the Card Account at eligible Choice hotel locations. Qualifying Choice Hotel stays are items billed by eligible Choice® brand hotels as merchant of record booked through either choicehotels.com or directly with an eligible Choice hotel, or by calling the Choice Hotels Service Center. Five points (1 base point plus 4 bonus points) are earned per $1 spent on net purchases at retailers whose Mastercard merchant code is classified as: Gas: gas stations, automated fuel dispensers, and electric vehicle charging stations. Groceries: grocery stores, supermarkets, delis and bakeries. Telephone plans: landline and cell phone providers considered telecommunication services. Home improvement: home improvement stores, hardware stores, nurseries and garden supply stores, furniture and household appliances stores, home accessories stores, floor, glass, paint and wallpaper stores, lease/rental services for furniture and household appliances, swimming pool sales and supplies, contractors, or specialists for providing a home improvement services. Purchases not processed using the merchant codes for Mastercard mentioned above will not qualify for bonus points. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Other purchases: 1 rewards point will be earned per $1 spent on other net purchases. Cash equivalents do not earn points. For a detailed list of cash equivalent exclusions and merchant examples that may not be billed under the Mastercard category codes listed above, refer to the Choice Privileges® Select Mastercard® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms") for details. ←back to content
12. Earn 10 points (1 base plus 9 bonus points) per $1 spent on qualifying net purchases made on the card account of Choice Privileges points, which will be awarded in the billing cycle when the qualifying purchases posts to the card account. Refer to the Choice Privileges® Select Mastercard® Rewards Program Agreement (the "Card Rewards Program") Terms and Conditions ("Terms"). The Privileges Program has additional limits and restrictions and can be found at choicehotels.com/choice-privileges/rules-regulations. ←back to content
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