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.