What are my Wells Fargo Cash Wise approval odds?

The credit score that you needed for the Wells Fargo Cash Wise Visa® card was 700 or higher. This means at least good credit was required for approval. However, the Wells Fargo Cash Wise card is no longer available to new applicants.

Alternative Credit Card Option

If you are looking for a similar credit card, you should consider getting the Wells Fargo Active Cash® Card. This card offers 2% cash rewards on purchases, plus an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months. On top of that, it comes with an intro APR of 0% for 15 months from account opening on both new purchases and balance transfers. Balance transfers are subject to a fee of 3% intro for 120 days, then up to 5% (min $5). The card’s regular APR is 19.49% - 29.49% Variable.... read full answer

The Wells Fargo Active Cash requires at least good credit for approval. However, keep in mind that apart from your credit score, an issuer takes various other factors into account when determining approval, such as your annual income, debt, and credit history.

You can check your Wells Fargo credit card application status either online or by calling (800) 967-9521. If you’re already a Wells Fargo customer, all you need to access the application status webpage is your username and password. If not, you’ll have to provide your last name, birthdate, Social Security Number and the access code that Wells Fargo emailed you when you applied. If you prefer to call over checking your status online, the phone line is open 24/7.... read full answer

It should only take a few minutes to check your status and find out whether your application is approved, denied or still pending. You should get a final decision within 7 business days of applying. Approved applicants will get their card within 10 business days of approval. You can learn more below.

How to check your Wells Fargo credit card application status:

• By Phone: Call (800) 967-9521 between 5:00 AM and 7:00 PM, Monday through Friday, if you want to be connected to a live representative. Otherwise, you can always use the automated system. When prompted, say, “Check the status of my application.” Then, enter your Social Security number.
• Online: Use Wells Fargo’s application status webpage. You can check your status using your Wells Fargo login credentials. Or, you can use your last name, date of birth, Social Security number and an access code that Wells Fargo will email you when you first apply.
• Email: Simply click “Check Your Application Status Now” in the email confirmation you received from Wells Fargo when you submitted your application.

If your application is approved, your card should arrive within 10 business days of the decision being reached. However, if Wells Fargo denies your credit card application, you will receive a letter explaining why. If you believe the rationale doesn’t really apply to you, you can request reconsideration by calling (800) 869-3557. But this is a long shot.

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.... read full answer

Here’s what you should know about your credit report:

• When you apply for a Wells Fargo credit card: During its review of an application, Wells Fargo will generate a hard "pull" or inquiry of your credit report through one of the three credit bureaus. A hard pull may have a slight negative impact on your credit report, so try not to apply for too many credit cards in a short period of time. Hard pulls may stay on your credit report for at least two years, but any negative effects tend to diminish over time.
• How to access your report: You are entitled to one free report from each of the three major credit bureaus every 12 months. This will provide an opportunity to check for any incorrect or outdated information on your credit report.
• How to fix errors on your credit report: If there are any discrepancies, you can dispute them by contacting the appropriate bureau directly and have it removed before you apply for a Wells Fargo credit card.

Also, checking your own credit report is known as a "soft pull". A soft pull does not affect your credit score, so you're not penalized if you need to pull multiple copies of your credit report.

Keep in mind that most Wells Fargo credit cards require good credit or better. If you don't know where you stand, you can get free credit reports, with daily updates and credit scores, right here on WalletHub.