It is worth noting that all these credit cards require at least fair credit (a credit score of 640+) for approval. If you’d like to know where you stand, you can check your credit score for free, right here on WalletHub.
Wells Fargo credit card requirements include having a credit score of 700+ (for most cards) and providing standard personal information such as your name, address, and date of birth. A Social Security Number (SSN) or an Individual Tax Identification Number (ITIN) is also required, and all applicants must be 18+ years old.… read full answer
Wells Fargo Credit Card 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 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.
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.
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.
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