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. … read full answerPre-approval doesn’t guarantee your application will be successful. But it does mean you have extremely good odds.

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 Hotels.com® Rewards Visa® Credit Card requires good (700+) credit, while the Wells Fargo Platinum card needs a good (700+) credit score.
• 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 good credit. This means that most Wells Fargo credit cards require credit score of 700+.

Some exceptions are the Wells Fargo Rewards® Card, which requires a excellent credit score (750+), and the Wells Fargo Cash Back College℠ Card, which is available to students with even limited credit. … read full answer

Keep in mind that 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.

Unlike 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.

The easiest Wells Fargo credit card to get is the Wells Fargo Business Secured Credit Card because applicants can get approved with bad credit. This means the odds of approval are good even with a credit score below 300.

The majority of Wells Fargo credit cards, though, require good (700+) credit in order to qualify.… read full answer

Here are some of the easiest Wells Fargo credit cards to get:

• Wells Fargo Business Secured Credit Card: Accepts applicants with bad (300+) credit.
• Furniture Barn Credit Card: Requires fair (640+) credit.
• American Furniture Warehouse Credit Card: Requires fair (640+) credit.

Having one of these Wells Fargo credit cards may increase your chances of landing a higher-tier credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.