Wells Fargo
Cards
Rates, fees, 0% offers and rewards for the credit cards people actually carry, with how to pay and contact each issuer. Free to use, no sign-up needed. We are not paid by any card issuer.
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Wells Fargo
USAA
USAA Rate Advantage Visa Platinum
4.5 A low-rate card for USAA members: regular APR from about 10%, plus a long 0% offer on balance transfers. 18 mo 0% intro 10.4%–24.4% APR $0 annual fee
Wells Fargo
Wells Fargo Active Cash
4.0 Flat 2% cash rewards on everything, no annual fee, and 12 months of 0% intro APR on purchases and transfers. 12 mo 0% intro 18.74%–28.74% APR $0 annual fee
Wells Fargo
Wells Fargo One Key+ Card
4.0 Richer OneKeyCash earning for frequent Expedia, Hotels.com and Vrbo travelers. $99 annual fee-
TD Bank
TD Double Up
4.0 Flat 2% cash back with no annual fee and a 15-cycle 0% balance transfer offer. 15 mo 0% intro 18.49%–28.49% APR $0 annual fee -
Wells Fargo
Wells Fargo Signify Business Cash
4.0 Flat 2% cash back on business spending with no annual fee and 12 months of 0% on purchases. 12 mo 0% intro 16.99%–24.99% APR $0 annual fee 
Wells Fargo
Wells Fargo Autograph
3.5 No-fee 3x points on restaurants, travel, gas, transit, streaming and phone plans. 12 mo 0% intro 18.74%–28.74% APR $0 annual fee-
USAA
USAA Preferred Cash Rewards Visa Signature
3.5 Simple 1.5% cash back with no annual fee for USAA members (military, veterans and their families). 16.15%–28.15% APR $0 annual fee 
Wells Fargo
Wells Fargo Autograph Journey Visa
3.5 A $95 travel card with 5x on hotels and 4x on airfare, plus a yearly airline credit. $95 annual fee
Wells Fargo
Wells Fargo One Key Card
3.5 No-fee card earning OneKeyCash for Expedia, Hotels.com and Vrbo travel. $0 annual fee-
TD Bank
TD Cash
3.5 Choose your own 3% and 2% categories, with no annual fee and a long 0% balance transfer offer. 15 mo 0% intro 18.49%–28.49% APR $0 annual fee -
TD Bank
Nordstrom Visa Signature (TD)
3.5 Nordy Club rewards at Nordstrom, with a 12-month 0% intro APR and a more moderate regular APR than most store cards. 12 mo 0% intro 18.49%–28.49% APR $0 annual fee -
TD Bank
Target Circle Card
2.5 5% off at Target on every purchase. The credit version works only at Target. 27.4% APR $0 annual fee
How we rate cards
Every card is scored the same way against other cards in its category, from 1 to 5 stars in half steps. We use four measures, weighted by what matters most for that kind of card:
- 0% intro period: longer is better; 21 months scores full marks. Near-0% offers (under 2%, as some credit unions offer) count too.
- Regular APR: the lowest advertised rate; 14% scores full marks, 30% scores zero. Charge cards with no APR score in the middle; store cards whose APR we couldn’t confirm score zero, since store card rates are almost always 30% or more.
- Annual fee: $0 scores full marks; for travel cards, fees are judged against $1,000.
- Rewards: the rate on everyday spending (2% is full marks) and the best bonus category (6% is full marks). Points and miles are counted at typical values: about 1¢ for most bank points and airline miles, 0.5–0.7¢ for Hilton, IHG and Marriott points, and about 1.5¢ for Hyatt points. Store discounts count only at that store.
For balance transfer cards, the intro period counts most. For cash back, travel and business cards, rewards count most. For credit-building cards, low fees count most. Cards closed to new applicants aren’t rated. The rating is a quick comparison, not advice: the best card for you depends on your balance, credit and spending.