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Yes, you can upgrade an eligible Wells Fargo credit card to a better offer as long as you’ve had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Wells Fargo card qualifies for an upgrade, call customer service at 1-800-869-3557.
Wells Fargo Credit Card Upgrade: What You Should Know
- Wells Fargo does not state a specific amount of time the card account must be open before it's eligible for an upgrade, but it's a good idea to wait at least 6 months before requesting an upgrade.
- A history of on-time payments and low credit utilization increases your chances of getting an upgrade.
- Wells Fargo only allows upgrades to cards within the same card family. For example, you cannot upgrade from a regular credit card to a business card or co-branded card.
- You will not be eligible for any initial bonus offers or introductory 0% APR offers associated with the new card, unless they’re included as part of the upgrade offer.
- Wells Fargo credit card upgrades do not require a hard inquiry on your credit report, so there’s no effect on your credit score.
Approval for a Wells Fargo credit card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 10 business days from the approval date. Your card number may change, and your new card will come with an updated expiration date and security code.
Keep in mind that you will be able to use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Unless stated otherwise in the upgrade terms, your current credit limit, APR, and any unredeemed rewards will carry over to the new card.
Popular Wells Fargo Credit Cards
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Cash Rewards
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0% Intro APR
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Travel Rewards
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Hotel Rewards
People also ask
What are my Wells Fargo credit card approval odds?
The Wells Fargo credit card approval odds are best for people who have at least good credit (a credit score of 700+). Just keep in mind that the higher an applicant’s credit score is, the higher their approval odds are likely to be.
However, your approval odds will be influenced by several 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...
read full answer by Chip Lupo, Credit Card WriterWhat is the easiest Wells Fargo credit card to get?
One of the easiest Wells Fargo credit cards to get is the Dillard's Store Card because you only need fair credit (a credit score of 640+) to be approved. Most Wells Fargo credit cards aren’t that easy to obtain since they require good or excellent credit (a credit score of 700+) for approval.
If you don't meet the requirements for a Wells Fargo credit card yet, there are several other credit cards that are easier to get approved for.
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read full answer by Chip Lupo, Credit Card WriterAre Wells Fargo credit card limits high?
Wells Fargo credit cards credit limits can be quite high, depending on your credit standing; the minimum credit limit offered is $1,000, though some cardholders have reported receiving starting spending limits as high as $14,000. More specifically, the Wells Fargo Active Cash® Card, the Wells Fargo Reflect, and the Wells Fargo Autograph® Card offer a minimum credit limit of at least $1,000.
Things to Know About Wells Fargo Credit Card Limits
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Neither online or the app have the option to "Switch my Card".
Hmmm...did you actually do a product switch? I just called and the rep said they cannot do that...He said I could apply for a new credit card and they could transfer my available credit line to that new card, though.