Wells Fargo Credit Card Application Rules: What You Need to Know

Learn about the guidelines Wells Fargo has for its credit cards and welcome offers.

Wells Fargo doesn’t have the largest lineup of different credit cards, but the cards it does offer come with easy-to-use perks and excellent rewards rates. Before you apply, you should know about the unique rule Wells Fargo has that can affect whether you qualify for a sign-up bonus or any other welcome offer.

Wells Fargo’s welcome offer rule

Wells Fargo has one major rule that applies to all its credit cards -- one welcome offer from any of its cards per 15 months.

Welcome offers refer to any special offers that apply during an introductory timeframe, and can include:

  • Sign-up bonuses

  • 0% intro APR offers (or any special APR offer during an intro period)

  • Fee discounts

Once you get any sort of welcome offer from a Wells Fargo credit card, you’re ineligible to get another for 15 months. It doesn’t matter if they’re different types of offers. For example, if you got a card with a sign-up bonus, you wouldn’t qualify for another card’s 0% intro APR until 15 months had elapsed.

Just so there’s no confusion, if you get one card that has a sign-up bonus and a 0% intro APR, you can take advantage of both. They’re each considered part of that card’s welcome offer.

This rule applies even if you close the original card, so you can’t do that as a workaround.

Getting approved on a Wells Fargo application

Wells Fargo credit card applications can be a mixed bag. Some applicants get approved with no problems, and others get denied despite having good to excellent credit.

You’ll improve your chances if you have an existing relationship with Wells Fargo, such as a bank account. Personally, I wouldn’t open a new bank account solely to get a credit card, but if you’ve been thinking about it anyway, then it might be worth a shot.

If you’re denied on a credit card application, it’s never a bad idea to call the reconsideration line and see if you can get it overturned.

How to choose the right Wells Fargo card

With Wells Fargo being so strict about welcome offers, it’s imperative that you pick a credit card that's right for you. Here are two of the most common reasons to apply for a new credit card and which Wells Fargo card would fit each situation.

If you want to earn rewards

If you’re aiming for the most rewards, then the Wells Fargo Propel American Express® Card is the pick. Want a lower spending minimum on your sign-up bonus or a card that earns one flat rewards rate on all purchases? Then you could try the Wells Fargo Cash Wise Visa® Card. Features of both cards include:

Wells Fargo Propel American Express® Card Wells Fargo Cash Wise Visa® Card
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Credit Rating Requirement: Good/Excellent

Credit Rating Requirement: Good/Excellent

Bonus: 30K points after spending $3,000 in the first 3 months Bonus: $200 bonus after spending $1,000 within 3 months
Rewards Program: 3X points for eating out and ordering in, gas stations, rideshares, transit, flights, and hotels, 1x points on all else Rewards Program: Unlimited 1.5% cash back
Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months
Regular APR: 14.74% - 27.24%, variable Regular APR: 16.24%-28.24%, variable
Annual Fee: $0 Annual Fee: $0

Highlights:

  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Highlights:

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

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If you need a lengthy no-interest period to finance a big purchase or pay down credit card debt

Maybe you need longer than the 12-month 0% intro APR offered by the cards above. In that case, you should look at the Wells Fargo Platinum Visa® Card. Although it doesn’t offer rewards, it does have:

  • 0% intro APR for 18 months on purchases and balance transfers

  • No annual fee

That intro period is just about ideal for a Wells Fargo card. You can use those 18 months to pay off whatever you charge or transfer over. By the time you’re done, you’ll be eligible for another welcome offer with Wells Fargo, such as a sign-up bonus with one of the cards above.

With Wells Fargo, you need to be careful about applying for multiple cards in 15 months, because you’ll miss out on welcome offers. That’s not a huge deal, though, because some of the best Wells Fargo cards include both a sign-up bonus and a 0% intro APR, giving you the best of both worlds.