What are the Wells Fargo credit card minimum requirements?

You can’t check for Wells Fargo credit card pre-approval. The only way to find out if you’ve been pre-approved for a Wells Fargo credit card is to receive an offer in the mail. If you get such an offer, it means Wells Fargo has done a soft inquiry on your credit history and determined that you’d be a good candidate for the card they mailed you about. Pre-approval doesn’t guarantee your application will be successful. But it does mean you have extremely good odds.… read full answer

If you’ve received a Wells Fargo pre-approval offer, it will include a unique code. To respond, just go to the Wells Fargo credit card page, click “Respond to an Offer,” and enter your code.

And if you haven’t received a pre-approval offer, you can still estimate your chances of success before actually applying.

Here’s what you should know about Wells Fargo Credit Card pre-approval:

• Wells Fargo will look at a combination of your credit history, income and other debts to determine whether to approve you for a card. You can stay on top of your credit score with WalletHub’s free daily updates.
• Some cards may simply be out of reach, depending on your credit standing. For example, the Wells Fargo Rewards® Card requires excellent credit and you need good credit or better to get the Wells Fargo Cash Wise Visa® card.
• One of the best ways to improve your chances of approval is to boost your credit score. You can do this by paying down your debt, making your monthly payments on time, and using less of your available credit. WalletHub’s personalized credit analysis will tell you exactly what to do.
• If you already have a Wells Fargo credit card, credit reallocation may help you get a new one. Reallocation lets you shift some of your credit limit from an existing Wells Fargo card to a new Wells Fargo card. You can’t shift your entire credit limit, and it’s not guaranteed to get you approved for a new card, but it can’t hurt. To ask about credit re-allocation, call (800) 642-4720.

There’s no way to check for Wells Fargo credit card pre-approval. But if you know your credit score, and what type of card you want, you should be able to get a ballpark sense of your approval chances.

Wells Fargo credit card approval odds are best for people who have at least good credit. Most Wells Fargo credit cards require a credit score of 700+. The exceptions are the Wells Fargo Rewards Card, which requires a score of 750+, and the Wells Fargo Cash Back College Card, which is available to students with limited credit. The higher an applicant’s credit score, the higher their approval odds are likely to be. But approval depends on many other factors as well. For example, applicants will need to have enough income to make payments on the card, and higher income generally leads to better approval chances. Other factors that will play a role in approval include existing debts, monthly housing payments and more.… read full answer

Unlike with many other major credit card issuers, you unfortunately can’t check your Wells Fargo credit card approval odds before you apply since the bank doesn’t have an online pre-approval tool. However, Wells Fargo does send out pre-approved offers by mail. If you receive one, it means that your approval odds for that particular card are high, though approval is still not guaranteed.

Wells Fargo used to offer a secured card that had better approval odds and was even available to people with bad credit, but that card is not currently open to new applicants.

The easiest Wells Fargo credit card to get is the Wells Fargo Business Secured Credit Card because even people with bad credit can get approved. When you make a deposit to open the account ($500 min.), you’ll get a credit limit equal to that deposit, up to $25,000. The annual fee is $0.… read full answer

To qualify for a business credit card, you need a Social Security number, but you don’t need an EIN. So if you earn income as a contractor, and you file your taxes as a sole proprietor, then you likely qualify for this card even if you don’t have an EIN issued by the IRS.

Other easy Wells Fargo credit cards to get include several co-branded store cards for fair credit. Those include the Dillard’s Store Card, the Kirkland’s Credit Card, and the American Furniture Warehouse Credit Card. Wells Fargo used to have a secured consumer credit card, but it’s been discontinued.