Wells Fargo credit card requirements are similar to those of other issuers. You’ll have to provide standard personal information such as name, address, and date of birth. A Social Security number is also required.
For your personal information, Wells Fargo requires you enter a physical address. P.O. Box numbers are not permitted. If you receive the majority of your mail at a P.O. Box, you will be allowed to provide the box number as your billing address, if you are approved for a credit card.
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.
Credit score requirements, however, will vary. You’ll need an excellent credit score (750+) to qualify for the Visa Signature and Rewards cards. A minimum good credit (700-749) is required for the Cash Wise Visa, Platinum, and Propel American Express cards. If you have bad credit (640), you’ll likely qualify for the Cash Back College Card.
Wells Fargo also has standard age and income requirements. You must be at least 18 years old to apply for a credit card. If you’re under 21, you will need either a co-signer over the age of 21 on the application, or offer proof of your ability to make at least minimum credit card payments. These requirements are necessary in order to comply with the under-21 provision in the Credit CARD Act of 2009. The law states that anyone 21 years old or younger must meet one of these requirements in order to own a credit card.
Wells Fargo does not have an official cut off for a minimum income, but you are required to be employed and provide your annual income. Be sure to include all sources of income outside of wages and retirement benefits, if applicable. Those include rental income, any investment dividends. You will also be asked to provide your monthly rental or mortgage payment.
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