What credit card should I get?

The best credit card for you depends on your spending habits, credit score, and goals. Use our free quiz to analyze your spending in categories like dining, groceries, travel, and gas to find cards that maximize your rewards.

How do I choose the best credit card?

Consider these factors: 1) Where you spend the most money (dining, groceries, travel, gas), 2) Your credit score range, 3) Whether you want cash back, points, or miles, 4) If you're willing to pay an annual fee for premium benefits.

What is the best cash back credit card?

The best cash back card depends on your spending. For everyday purchases, flat-rate cards like Citi Double Cash (2%) work well. For category spending, cards like Chase Freedom Flex (5% rotating) or Amex Blue Cash Preferred (6% groceries) offer higher returns.

What credit card is best for travel?

Top travel cards include Chase Sapphire Preferred (great for beginners), Chase Sapphire Reserve (premium benefits), Amex Gold (dining + flights), and Capital One Venture X (simple earning). Our quiz helps match your travel style to the right card.

Do I need good credit for a rewards card?

Most premium rewards cards require good to excellent credit (700+). However, options exist for fair credit (650-699) like Capital One Quicksilver, and secured cards help build credit while earning rewards.

All cards

Wells FargoBalance Transfer

Wells Fargo Reflect Card

Cash back card from Wells Fargo

No annual fee

0% intro APR up to 21 months
Can extend to 21 months with on-time payments
No annual fee
Cell phone protection
Best for balance transfers

Credit Needed

Good (670-749)

Personal card

APR

0% intro

then 18.24%–29.99% after 21 months

Foreign Transaction Fee

Fee on foreign purchases

Balance Transfer

0% intro

for 21 months, then 0%. 5% fee

Base Reward Rate

On all other purchases

Rates and fees disclosure

Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.

Is the Wells Fargo Reflect Card right for you?

Take our free 2-minute quiz to see how this card scores against 55+ other cards based on your actual spending habits, credit score, and goals.

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More cards from Wells Fargo

Wells Fargo Active Cash

No annual fee | $200 bonus

Wells Fargo Autograph

No annual fee | $200 bonus