Is it hard to get a Wells Fargo Active Cash card? This question is about the Wells Fargo Active Cash® Card

Is it hard to get a Wells Fargo Active Cash card?

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This question is about the Wells Fargo Active Cash® Card

Sebi Mitchell, Credit Cards Moderator

@sebim • 10/15/21 This answer was first published on 10/15/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yes, it is hard to get the Wells Fargo Active Cash® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Wells Fargo Active Cash.

In order to get the Wells Fargo Active Cash, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN.

Keep in mind that even if you meet all of the requirements for the Wells Fargo Active Cash, you’re never guaranteed to be approved.

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George Smith, Member

@gmsmith • 07/13/22 This answer was first published on 07/13/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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My score was 681 when I was approved for the card with a starting limit of $4,000. I was also recently discharged from bankruptcy. I did have their Dillards store card which helped I'm sure.

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rodmck007, Member

@rodmck007 • 07/06/22 This answer was first published on 07/06/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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My score was below 640 but they sent me an invitation and I also have a mortgage with them so I applied via the invitation and got approved

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What credit score do you need for the Wells Fargo Active Cash card?

The credit score needed for the Wells Fargo Active Cash card is 700 or better. That means people with at least good credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Wells Fargo Active Cash card, too. Some other key criteria include your income, existing debt load, number of open accounts,...

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What credit bureau does Wells Fargo use for approval?

Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Either one or more credit bureaus may be used when evaluating a Wells Fargo credit card application. Cardholder reports suggest the state you live in may factor into which credit bureau Wells Fargo uses when it pulls your credit report. Wells Fargo doesn't publicly disclose if it uses one of the three credit bureaus more than the others.

Here’s what you should know about your...

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How do I get a Wells Fargo credit limit increase?

You can get a Wells Fargo credit limit increase by calling customer service at (800) 642-4720. There is no option to request a Wells Fargo credit limit increase online. It’s best to not make a request until you’ve had your card for at least 6 months, and only if you’ve paid your bill on time every month.

You don’t always have to ask for a Wells Fargo credit limit increase to get one, though. Wells Fargo will periodically...

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