Discover The Finest Credit Cards Of August 2023
Rewards, Premier Offers & Reviews
Written By: Nick Williamson

Edited By: Tracy Stewart

Reviewed By: Jason Steele

July 31, 2023
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Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
Credit cards are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best credit cards are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
BEST FOR LONG INTRO APR
Wells Fargo Reflect® Card

see rates & fee
Recommended credit
670-850 (Good To Excellent)
Rewards rate
This card doesn’t offer cash back, miles, or points
Intro offer
No current offer
Annual fee
$0
Regular APR
18.24%, 24.74%, or 29.99%
Variable APR
Read the full review
Pros
- You get access to My Wells Fargo Deals, which offers cash back in the form of an account credit and gives access to personalized deals from select merchants when you use an eligible Wells Fargo credit card.
- You’ll also get up to $600 in cell phone protection against damage or theft if you pay your monthly cell phone bill with the card (subject to a $25 deductible).
Cons
- You will face a steep balance transfer fee of 5% ($5 minimum) which is higher than some other balance transfer cards.
- There are no traditional rewards on spending associated with this card.
Bottom Line
Consider this card a prime pick if you’re looking for a lengthy introductory APR period on purchases or qualifying balance transfers.
Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 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 qualify for the intro rate, BT fee of 5%, min $5.
- $0 Annual Fee.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro APR for 21 months from account opening
Regular APR
18.24%, 24.74%, or 29.99% Variable APR
Intro Balance Transfers APR
0% intro APR for 21 months from account opening on qualifying balance transfers
View All Wells Fargo Reflect® Card Details
BEST FOR VARIOUS REWARD CATEGORIES
Wells Fargo Autographâ„ Card

see rates & fee
Recommended credit
670-850 (Good To Excellent)
Rewards rate
3X
1X
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans.
Earn 1X points on other purchases
Intro offer
30,000 bonus points
Annual fee
$0
Regular APR
20.24%, 25.24%, or 29.99%
Variable APR
Read the full review
Pros
- It has no annual fee and a high rewards rate for everyday spending categories, making it the most competitive choice out of the Wells Fargo credit card lineup.
- It offers an appealing welcome offer that boosts your reward earnings even more in the first few months after account opening.
Cons
- It has a brief intro APR period and a high APR, with the lowest end just marginally lower than the average credit card interest rate.
 - It excludes grocery stores from its reward structure, which is a disappointment given that it is one of the most popular spending categories.
Bottom Line
If you want a card that earns points on everyday shopping and travel, this card might be useful; however, if you want to earn grocery rewards or have flexible travel redemption options, this card falls short.
Highlights
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Limited time offer: Earn 30,000 bonus points when you spend $1,500 in purchases in the first 3 months – that’s a $300 cash redemption value.
- Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro APR for 12 months from account opening
Regular APR
20.24%, 25.24%, or 29.99% Variable APR
Intro Balance Transfers APR
N/A
View All Wells Fargo Autographâ„ Card Details
Our Methodology And Research

3,476
Credit Cards
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Analyzed

600
Banks
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Analyzed
Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.