How to Get a Wells Fargo Credit Card

 Known for its strong customer service and innovative digital tools, Wells Fargo makes it easy to apply for a credit card—and even easier to enjoy the benefits.

In this article, we’ll walk you through how to get a Wells Fargo credit card, the different types available, key benefits, application steps, and tips to boost your approval chances.

Why Choose a Credit Card from Wells Fargo?

Wells Fargo credit cards are popular for a reason. Whether you’re a frequent traveler, a cash-back lover, or someone building credit, you’ll find options with:

✅ No annual fees (on many cards)

✅ Competitive interest rates

✅ Sign-up bonuses

✅ Reward points or cash back

✅ Introductory 0% APR offers

✅ Mobile app with real-time alerts and card controls

And, if you’re already a Wells Fargo customer, you’ll enjoy seamless integration with your checking, savings, and loan accounts through Wells Fargo Online® and the Wells Fargo Mobile® app.

Types of Credit Cards Offered by Wells Fargo

Here are the most popular credit cards available through Wells Fargo:

a. Wells Fargo Active Cash® Card

• Unlimited 2% cash rewards on all purchases
• No annual fee
• $200 cash rewards bonus after qualifying purchases
• 0% intro APR for 15 months on purchases and balance transfers

b. Wells Fargo Autograph℠ Card

• 3x points on dining, travel, gas stations, transit, streaming services, and phone plans
• No annual fee
• 20,000 bonus points ($200 value) when you spend $1,000 in the first 3 months
• 0% intro APR for 12 months

c. Wells Fargo Reflect® Card

• Designed for people seeking low interest rates
• Up to 21 months of 0% APR on purchases and qualifying balance transfers
• Ideal for debt consolidation

d. Wells Fargo Secured Credit Card

• Designed to build or rebuild credit
• Requires a refundable security deposit
• Reports to all three major credit bureaus

Who Is Eligible for a Wells Fargo Credit Card?

To qualify, applicants generally need to meet the following:

• Be at least 18 years old (or 21 in some states without a co-signer)
• Have a valid Social Security Number
• Be a U.S. citizen or legal resident
• Maintain a good credit score (typically 670+ for rewards cards)
• Have a steady source of income
• No recent bankruptcies or delinquencies

If you’re new to credit, a secured credit card or co-signed application might be a good starting point.

How to Apply for a Wells Fargo Credit Card

You can apply for a Wells Fargo credit card online, in a branch, or over the phone. Here’s a step-by-step guide:

Step 1: Choose the Right Card

Visit wellsfargo.com/credit-cards and compare card features. Look for:

• Reward types (cash vs. points)
• APR range
• Sign-up bonuses
• Foreign transaction fees (important if you travel)

Step 2: Check Your Credit Score

Before applying, check your credit score using a free tool like Wells Fargo Credit Close-Up® if you’re a customer. This helps you choose a card that matches your credit profile.

Step 3: Prepare Required Documents

You may need:

• Government-issued ID
• Social Security Number
• Employment and income details
• Housing costs (rent or mortgage)

Step 4: Complete the Application

Enter your personal and financial information on the secure form. The process takes about 5–10 minutes online.

Step 5: Get a Decision

In most cases, you’ll receive an instant decision. If more time is needed, Wells Fargo may contact you for further verification within a few days.

What Happens After You’re Approved?

Once you’re approved:

• Your card is mailed within 7–10 business days
• You can activate it online or by phone
• Set up Wells Fargo Online® for easy access
• Enable alerts and autopay to manage payments on time

You may also start earning rewards immediately, depending on the card.

Top Benefits of Wells Fargo Credit Cards

Here’s why many customers choose and keep using Wells Fargo cards:

🌟 Reward Programs

Earn cash back or Go Far® Rewards points redeemable for travel, gift cards, or statement credit.

🌟 Sign-Up Bonuses

Many cards offer attractive intro bonuses when you spend a specific amount in the first few months.

🌟 Introductory APR Offers

Take advantage of 0% APR for up to 21 months, perfect for large purchases or balance transfers.

🌟 No Annual Fees

Several Wells Fargo cards have no annual fee, helping you save year after year.

🌟 Robust Mobile Banking Tools

Control your card, lock/unlock if lost, check balances, and receive alerts—all from your smartphone.

🌟 Security & Protection

Includes Zero Liability Protection, Fraud Monitoring, and optional cell phone protection (when you pay your bill with your card).

Tips to Improve Your Chances of Approval

To increase the likelihood of being approved for a Wells Fargo credit card:

• Improve your credit score: Pay down debt and make on-time payments
• Apply only for one card at a time: Multiple applications can hurt your credit
• Keep income documentation handy: Be ready to prove your ability to repay
• Review your credit report for errors before applying
• Avoid high balances on current cards

Frequently Asked Questions

Q: Can I apply if I don’t bank with Wells Fargo?
A: Yes! Anyone who meets the eligibility requirements can apply for a Wells Fargo credit card.

Q: How long does approval take?
A: Many applicants get an instant decision. Others may wait up to 7 business days.

Q: Is there a prequalification option?
A: Currently, Wells Fargo does not offer a prequalification tool. Applying triggers a hard credit inquiry.

Q: Do Wells Fargo cards have foreign transaction fees?
A: Some cards do, while others like the Autograph℠ Card waive them—great for international use.

Q: Can I upgrade my card later?
A: Yes. After establishing a solid payment history, you may be eligible to upgrade to a better card or switch rewards types.

Conclusion

Getting a Wells Fargo credit card is a smart move for anyone looking for flexible rewards, strong security features, and financial tools that work with your lifestyle.

Whether you’re new to credit or managing large expenses, there’s a card for you—with plenty of ways to save and earn along the way.

By following the steps outlined above and choosing the right product for your needs, you’ll be on your way to smarter spending and greater financial control.