What are the Wells Fargo credit card minimum requirements?

You can’t check for Wells Fargo Credit Card pre-approval. You can, however, check for pre-selection online, through their dedicated page. If you get a “pre-selected” offer, it means you fit some general criteria established by Wells Fargo and have around a 70% chance of approval. You could also receive a pre-approved offer for a specific credit card in the mail.… read full answer

How to Check for Wells Fargo Pre-Selection Online

1. Visit Wells Fargo’s pre-selection page.
2. Enter your name, address and last 4 digits of your Social Security Number.
3. Click “Continue” to view any pre-selected offers.

If you’ve received a Wells Fargo pre-approval offer in the mail, 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.

Keep in mind that Wells Fargo credit card pre-selection results in a harmless soft inquiry on your credit history. However, pre-selection doesn’t guarantee your application will be successful. But it does mean you have good odds.

Here’s What Determines Your Approval Odds

• 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.
• 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.

It’s also worth noting that, 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.

Wells Fargo credit card approval odds are best for people who have good credit. Therefore, all Wells Fargo credit cards require a credit score of 700+.

Other Factors That Determine Your Approval Odds for a Wells Fargo Credit Card

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 must have enough income to make payments on the card. Plus, a higher income also 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

Ultimately, you can check your Wells Fargo credit card approval odds before you apply by using their online pre-approval tool. Moreover, Wells Fargo also sends out pre-approved offers by mail. Keep in mind, however, that pre-approval does not mean guaranteed approval.

There are no Wells Fargo credit cards that are particularly easy to get. They all require good credit or better (a credit score of 700+) for approval.

While Wells Fargo credit cards aren’t that easy to obtain, there are several other credit cards that are easy to get approved for.

Easiest Credit Cards To Get in 2023

Having one of these credit cards may increase your chances of landing a Wells Fargo 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.