Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The minimum Wells Fargo credit card requirements include being at least 18 years old, having a good credit score of 700 or better, and earning enough income to afford monthly bill payments. You also need to have a Social Security number or International Tax Identification Number. Some requirements may vary depending on the card.
Minimum Wells Fargo Credit Card Requirements
- Enough income to make the monthly minimum payment
- Good credit or better (700+ credit score)
- 18+ years old
- Social Security number or International Tax Identification Number
- Employment information
- Physical U.S. address (no P.O. boxes)
If you apply for a Wells Fargo card, make sure you enter all the required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime. Similarly, keep in mind that the above requirements are guidelines and approval is never guaranteed.
If you don't know whether your credit score qualifies you for a Wells Fargo credit card, you can check it for free on WalletHub. It's also worth checking out our editor's guide on how to improve your credit score.
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People also ask
What are my Wells Fargo credit card approval odds?
The Wells Fargo credit card approval odds are best for people who have at least good credit (a credit score of 700+). Just keep in mind that the higher an applicant’s credit score is, the higher their approval odds are likely to be.
However, your approval odds will be influenced by several other factors, as well. For example, applicants must have enough income to make payments on the card. Plus, a higher income also leads to better...
read full answer by Chip Lupo, Credit Card WriterWhat is the easiest Wells Fargo credit card to get?
One of the easiest Wells Fargo credit cards to get is the Dillard's Store Card because you only need fair credit (a credit score of 640+) to be approved. Most Wells Fargo credit cards aren’t that easy to obtain since they require good or excellent credit (a credit score of 700+) for approval.
If you don't meet the requirements for a Wells Fargo credit card yet, there are several other credit cards that are easier to get approved for.
Easiest Credit Cards...
read full answer by Chip Lupo, Credit Card WriterWhat credit bureau does Wells Fargo use for credit card approval?
Wells Fargo may use Experian, Equifax, or TransUnion credit reports when you apply for a credit card, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for a Wells Fargo credit card.
Key Things to Know
- When you apply, Wells Fargo will perform a hard inquiry on your credit report, which might temporarily damage your credit score by a few points.
- If...
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Wells Fargo requires an existing relationship with them before approving personal credit card applications.