To get the Wells Fargo Cash Wise Visa® card bonus, spend just $500 in the first 3 months after opening an account. The Wells Fargo Propel American Express® card requires spending $1,000 in the first 3 months to qualify for its bonus.
Other Wells Fargo credit card promos include extra rewards on certain spending categories. For example, both the Wells Fargo Visa Signature® Card and the Wells Fargo Rewards® Card give 5 points per $1 spent for six months on up to $12,500 in gas, grocery and drugstore purchases. After that, it’s 1 point per $1 spent. These two cards also come with a long 0% introductory APR offer: The Wells Fargo Visa Signature® Card gives an intro APR of 0% for 15 months for purchases and 0% for 15 months for balance transfers. The Wells Fargo Rewards® Card gives 0% APR for 15 months for purchases and 0% for 15 months for balance transfers.
The Wells Fargo Platinum card has the best introductory APR offer. For purchases, it’s 0% for 18 months. And it also offers 0% for 18 months on qualifying balance transfers. The balance transfer fee is 3% intro for 120 days, then up to 5% (min $5).
Even though there are a lot of Wells Fargo credit card promotions, they are a bit lackluster compared to offers from other companies. Capital One Venture, for example, gives a bonus of up to 60,000 miles. That’s worth up to $600 in travel. And Chase Sapphire Preferred’s bonus is 60,000 points, worth $750 in travel. Also keep in mind that you must already have a bank account with Wells Fargo to apply for their credit cards online.
Wells Fargo credit card requirements include having a credit score of 700+ (for most cards) and providing standard personal information such as your name, address, and date of birth. A Social Security Number (SSN) or an Individual Tax Identification Number (ITIN) is also required, and all applicants must be 18+ years old.… read full answer
Wells Fargo Credit Card Requirements
General requirements: You must be at least 18 years old and have a physical U.S. address to be eligible for a Wells Fargo credit card. You will also need to provide your SSN or your ITIN. No minimum income stipulated, but be sure to include any sources of income outside of wages and retirement benefits, if applicable. Documents such as birth certificates, drivers’ licenses, and Social Security cards are not required, but in some instances, you may be asked to provide copies in order to verify your personal information.
Wells Fargo also issues a number of retail store cards that generally have more lenient approval requirements, as applicants with fair credit or better (a score of 640) can get approved.
Other factors such as your income, debts, housing payments, and your general ability to afford credit card payments will also be taken into consideration when evaluating an application.
It’s also worth noting that you may not be eligible for introductory APR’s, fees and/or bonus rewards offers if you opened another Wells Fargo credit card within 15 months of your application.
If you want the best Wells Fargo credit card approval odds, make sure to pay your bills on time and try to keep your credit utilization around 30%. And bear in mind that an application will trigger a hard inquiry which may temporarily cause a dip in your credit score. So make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
I only know about the Cash Wise $200 bonus. You get it if you spend $1,000 in the first 3 months.
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