What are the Wells Fargo credit card minimum requirements?

Question

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 answer Pre-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.

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Answer 1 · 2021-08-24 15:45:06

Bogdan Roberts, Credit Cards Moderator

@bogdan_roberts • 08/24/21 This answer was first published on 05/07/21 and it was last updated on 08/24/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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 (SSN) or an Individual Tax Identification Number (ITIN) is also required. All applicants also need to be at least 18 years old. In terms of credit score requirements, most Wells Fargo credit cards will require good credit or better (a score of 700+).

Here are the Wells Fargo credit card minimum requirements:

General requirements: You must be at least 18 years old and have a physical U.S. address to be eligible for a Wells Fargo credit card. You will also need to provide your SSN or your ITIN. No minimum income stipulated, but be sure to include any sources of income outside of wages and retirement benefits, if applicable. 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.
Wells Fargo Platinum card: Requires a credit score of 700, at a minimum. That means applicants need good credit or better.
Wells Fargo Active Cash℠ Card: Requires a credit score of 700, at a minimum. That means applicants need good credit or better.
Hotels.com® Rewards Visa® Credit Card: Requires a credit score of 700, at a minimum. That means applicants need good credit.

Wells Fargo also issues a number of retail store cards that generally have more lenient approval requirements, as applicants with fair credit or better (a score of 640) can get approved.

Other factors such as your income debts, housing payments, and your general ability to afford credit card payments will also be taken into consideration when evaluating an application.

It’s also worth noting that you may not be eligible for introductory APR’s, fees and/or bonus rewards offers if you opened another Wells Fargo credit card within 15 months of your application.

If you want the best Wells Fargo credit card approval odds, make sure to pay your bills on time and try to keep your credit utilization around 30%. And bear in mind that an application will trigger a hard inquiry which may temporarily cause a dip in your credit score. So make sure you know where you stand before applying. You can check your credit score for free, right here on WalletHub.

What are the Wells Fargo credit card minimum requirements?

Bogdan Roberts, Credit Cards Moderator

Here are the Wells Fargo credit card minimum requirements:

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