Chip Lupo, Credit Card Writer
@CLoop
No, Wells Fargo does not have a 5/24 rule, which means Wells Fargo will not automatically reject an application just because you've opened five or more credit card accounts during the past 24 months. The only company rumored to have a 5/24 rule is Chase, but Chase has never openly stated that the rule is real.
Although Wells Fargo does not have a 5/24 rule, it does put some limits on how often you can open an account. You can apply for a new card every 6 months, and you're allowed to have unlimited open credit card accounts from Wells Fargo at once.
Keep in mind that applying for a lot of cards in a short period of time hurts your credit score. But if you are in a position to qualify for a new Wells Fargo credit card, you can find some popular offers below.
Popular Wells Fargo Credit Cards in 2025
- Rates & Fees Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Overall: Wells Fargo Active Cash® CardLearn MoreLearn More
- Rates & Fees 0% Intro APR: Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees 0% Intro APR: Wells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
- 0% Intro APR: Wells Fargo Reflect® CardLearn MoreLearn More
- Rates & Fees Travel: Wells Fargo Autograph® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Travel: Wells Fargo Autograph® CardLearn MoreLearn Moreon issuer's website
- Travel: Wells Fargo Autograph® CardLearn MoreLearn More
- Hotel Rewards: Choice Privileges® Select Mastercard®Learn MoreLearn More
- Hotel Rewards: Choice Privileges® Select Mastercard®Learn MoreLearn Moreon issuer's website
- Hotel Rewards: Choice Privileges® Select Mastercard®Learn MoreLearn More
- Overall:
- 0% Intro APR:
- Travel:
- Hotel Rewards:
In general, it’s best to wait at least six months between credit card applications, as that gives your credit score time to recover. While you wait, you can check your credit score for free on WalletHub.
Popular Wells Fargo Credit Cards
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Cash Rewards
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0% Intro APR
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Travel Rewards
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Hotel Rewards
People also ask
What is the 5/24 rule?
The 5/24 rule is one of the criteria Chase used to have in order to qualify new credit card accounts. When this rule was in effect, it meant that you couldn’t get approved for most Chase credit cards if you had opened five or more personal credit cards (from any card issuer) within the past 24 months. However, Chase no longer takes this factor into consideration for their credit card applications.
According to Chase customer service,...
read full answer by Maria Adams, Credit Cards ModeratorHow many credit cards is too many?
The number of credit cards that’s “too many” to handle differs from person to person. Too many credit cards for most people could be six or more, as the average American has a total of five credit cards, but it ultimately depends on how well you can manage one credit card, then two, and so on. Everyone should have at least one credit card for credit-building purposes, though, even if they don’t use it to...
read full answer by WalletHub, Financial CompanyIs 3 credit cards too many to have?
Three credit cards is not too many to have as long as you can handle the accounts responsibly, by paying the bills on time every month and keeping your credit utilization low. In fact, the average American has around 4 credit cards, according to Experian, so having 3 cards is pretty normal.
Many people keep multiple credit cards in their wallet to perform different functions. For example, they might get a cash...
read full answer by Adam McCann, Financial WriterDid we answer your question?
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