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

Updated
Lyle Daly
By: Lyle Daly

Our Credit Cards Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Wells Fargo has a small lineup of credit cards compared to some of its competitors, but the cards it offers are some of the best on the market. If you're interested in applying for one, make sure you know about the Wells Fargo credit card requirements first to improve your chances of getting approved.

Wells Fargo credit card requirements

Here are the main Wells Fargo credit card requirements that apply to each of its cards:

  • Good credit: A FICO® Score of 670 or higher is suggested when applying for a Wells Fargo card. There isn't a strict minimum credit score with Wells Fargo, but it typically only approves applicants with good credit or excellent credit.
  • Stable income: You need a consistent source of income to be approved for any credit cards. Wells Fargo doesn't have a specific minimum income requirement, but it will only approve you if you have a form of income.
  • Social Security number: If you don't have one, an Individual Taxpayer Identification Number (ITIN) also works.
  • Physical U.S. address: Per federal regulations, you must use a physical mailing address and not a P.O. Box.

It also helps if you have a Wells Fargo bank account, although this isn't required to get a credit card with Wells Fargo.

If you're interested in the requirements for a specific Wells Fargo credit card, you'll find all of them below.

As of Jun. 18, 2024
Image for
Image for
Image for
Wells Fargo Active Cash® Card Wells Fargo Autograph℠ Card Wells Fargo Reflect® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Credit Rating Requirement: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Welcome Offer: Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

$200 cash rewards

Welcome Offer: Circle with letter I in it. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 bonus points

Welcome Offer:

Rewards Program: Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

2% cash rewards

Rewards Program: Circle with letter I in it. Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services and phone plans. Plus earn 1X points on other purchases.

1X-3X points

Rewards Program:

N/A

Intro APR: Circle with letter I in it. 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 15 months from account opening

Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers

Intro APR: Circle with letter I in it. 0% intro APR on purchases for 12 months from account opening

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: N/A

Intro APR: Circle with letter I in it. 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 21 months from account opening

Balance Transfers: 0% intro APR, 21 months from account opening on qualifying balance transfers

Regular APR:

20.24%, 25.24%, or 29.99% Variable APR

Regular APR:

20.24%, 25.24%, or 29.99% Variable APR

Regular APR:

18.24%, 24.74%, or 29.99% Variable APR

Annual Fee: Circle with letter I in it. N/A

$0

Annual Fee: Circle with letter I in it. N/A

$0

Annual Fee: Circle with letter I in it. N/A

$0

Highlights:

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Highlights:

  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 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.

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.
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Wells Fargo Active Cash® Card requirements

The Wells Fargo Active Cash Card normally requires a FICO® Score of at least 670. It's even better to apply with a score of 700 or higher. This is one of the top cash back cards, and Wells Fargo can be selective about the applicants it approves.

According to the terms for this card, you may not qualify for it if you've opened another Wells Fargo card within the last six months.

Wells Fargo Autograph℠ Card requirements

The Wells Fargo Autograph Card normally requires a FICO® Score of at least 670. With no annual fee and several bonus categories, it's one of the best values among rewards credit cards. As such, it's intended for consumers with good credit.

In the terms for this card, Wells Fargo states that you may not qualify if you've already opened another Wells Fargo card in the previous six months.

Wells Fargo Reflect® Card requirements

The Wells Fargo Reflect® Card normally requires a FICO® Score of at least 670, and a score of 700 or higher is even better. This credit card has a long 0% intro APR on purchases and balance transfers, so it's designed for applicants with good to excellent credit.

This card's terms state you may not qualify if you've already opened a Wells Fargo card in the last six months.

Bilt Mastercard® requirements

The Bilt Mastercard® normally requires a FICO® Score of 670, although there can be a bit of flexibility there. Some cardholders have reported approval with scores as low as 650. This is a cobranded credit card that Wells Fargo offers with Bilt, a rewards program for paying rent. The Bilt Mastercard® is unique in that it's the rare rewards card designed for earning points on rent, with no extra transaction fees.

The terms for this card don't say that you may not qualify if you've already opened a Wells Fargo card in the last six months. Based on that, it appears to have more lenient rules than the rest of Wells Fargo's lineup.

Choice Privileges® credit card requirements

Wells Fargo offers two cobranded hotel credit cards with Choice Hotels®:

  • Choice Privileges® Mastercard®
  • Choice Privileges® Select Mastercard® Credit Card

While features vary between these cards, they both normally require a FICO® Score of 670. The terms of each card also state that you may not qualify if you've already opened a Wells Fargo card in the previous six months.

Wells Fargo credit card application rules

Unlike many other card issuers, Wells Fargo is light on application rules. The main restriction it has is that you may not qualify for an additional Wells Fargo credit card if you've already opened one within the previous six months. This is mentioned in the terms for most of its credit cards, except the Bilt Mastercard®.

Wells Fargo previously had a rule limiting cardholders to one welcome offer from any of its cards per 15 months. However, this rule is no longer mentioned in the terms and conditions for Wells Fargo credit cards.

How to prequalify for a Wells Fargo credit card

Wells Fargo provides a tool on its website that lets you see if you're pre-selected for one of its credit cards. It takes less than a minute to use and doesn't affect your credit score. Here's how to do it:

  1. Visit the page to check for prequalified Wells Fargo credit card offers.
  2. Provide your name, address, and the last four digits of your Social Security number. If you have a Wells Fargo online account, you can skip this and log in.
  3. Click "Continue."

After you submit the form, Wells Fargo will let you know if it has any prequalified card offers for you. A prequalified card offer means that based on your information, you have a high chance of getting approved for that card. It's not a guarantee of an approval, though.

If you don't have any prequalified card offers, that doesn't necessarily mean you're out of luck. You could still apply for a Wells Fargo card and get approved. If you have good credit and there's a Wells Fargo card you like, try applying for it.

COMPARE TOP PICKS: Best Wells Fargo Credit Cards

How to improve your credit if you don't meet the Wells Fargo credit card requirements

Your credit score is one of the most important factors in getting a Wells Fargo credit card. If you aren't quite in that good credit range yet, here are a few tips to improve your credit:

  • Pay everything on time: Your payment history has the biggest impact on your credit score. Every time you pay a credit card or loan account by the due date, it's good for your credit.
  • Reduce credit card debt: Amounts owed is another key part of your credit score. High credit card balances can be bad for your credit utilization ratio, or the ratio of your balances to your credit limits. If you have any credit card debt, work on paying it down, and you should see your credit score start to rise.
  • Check your credit report: Request your credit reports online at AnnualCreditReport.com, because any mistakes could negatively affect your credit. You're legally entitled to one free report from each credit bureau per year. If you see any errors, dispute them with the credit bureau that issued the report.

If you don't have any credit cards yet, then you may have a thin credit file, meaning there isn't enough information to calculate a credit score for you. In that case, check out starter credit cards designed for consumers with no credit history. You can use one of these cards to build credit and increase your score.

RAISE YOUR CREDIT SCORE: How to Build Credit Fast

Still have questions?

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories
Discover will match all the cash back you've earned at the end of your first year. Circle with letter I in it. N/A 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.24% - 28.24% Variable APR

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Best for cash back
Up to $300 cash back Circle with letter I in it. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases. 1.5% - 5% cash back Circle with letter I in it. Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

Intro: Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular: 20.49% - 29.24% Variable

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair
= Poor
Best for earning travel rewards
75,000 Miles Circle with letter I in it. 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening 2X-5X miles Circle with letter I in it. Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

Intro:

Purchases: N/A

Balance Transfers: N/A

Regular: 19.99% - 29.99% (Variable)

Our Credit Cards Expert