The Wells Fargo Propel credit score requirement is 700 or higher. That is the minimum credit score an applicant typically needs to have decent approval odds for Wells Fargo Propel. Wells Fargo just says “good credit” is needed.
There are reports of users getting approved for the card with credit scores in the mid-600s, but those cases are rare. It’s better to apply with a higher score to increase the odds of success. But even then, it still won’t guarantee approval.
Wells Fargo Propel’s credit score requirement is just one factor in the application process. You’ll also need evidence of a stable income, and Wells Fargo will consider things like your monthly housing payment, how your debt compares to your income, how many credit accounts you have open, etc.
Any credit score over 700 should give you good chances for the Wells Fargo Propel credit card.
Remember that your score alone will not grant you approval no matter what. Wells Fargo will also look at your income and employment, past negatives, credit utilization ratio and number of hard inquiries placed on your credit report in the past few months.
It's always a good idea to check your credit score in advance and assess your chances. Good luck with your application!
Propel’s credit score requirement is on par with other Wells Fargo credit cards, including the Cash Wise, Platinum and Rewards cards. Rewards cards from other issuers have similar credit requirements, too, including Capital One Savor, Amex Blue Cash Everyday and Chase Freedom.
It’s important to remember that these are the lowest credit limits you’ll start out with if you’re approved for an account. You could receive a higher limit. And the actual limit you’ll receive is based on your credit history, income, employment status, level of debt and more. Unfortunately, you won’t know how much your credit limit will be until you’re approved. Wells Fargo does not publicly disclose its maximum credit limits.
If you accept the initial Wells Fargo credit limit offer, you can request an increase in your credit limit after at least six months of timely payments. Also, after six months, Wells Fargo may review your account for an automatic increase. Eligibility is based on things such as payment history and your total amount of debt. But there’s no guarantee when, or if, an automatic increase will occur. An automatic increase uses a soft inquiry, which means your credit score is not affected.
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