Are you looking for a new credit card? Wells Fargo offers a variety of options with great benefits, and applying online is quick and easy.
In this straightforward guide, we’ll walk you through the process of applying for a Wells Fargo card, allowing you to quickly enjoy the rewards and convenience.
Types of Wells Fargo Cards
Wells Fargo offers a range of credit cards designed to suit various spending habits and financial objectives.
Whether you're looking to earn rewards, manage debt, or enjoy travel perks, there's likely a card that fits your needs. Here's an overview of the main types:
Wells Fargo Active Cash® Card
A simple cash-back card offering unlimited 2% on all purchases with no annual fee.
Best for: Flat-rate cash rewards
Key Features:
- Earn unlimited 2% cash rewards on purchases
- $200 cash rewards bonus after spending $500 in the first 3 months
- 0% intro APR for 12 months on purchases and qualifying balance transfers
- No annual fee
Wells Fargo Autograph® Card
A versatile card that earns 3X points on popular categories like restaurants, travel, and gas, with no annual fee.
Best for: Everyday spending with bonus categories
Key Features:
- Earn 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
- 1X points on other purchases
- $0 annual fee
- 0% intro APR for 12 months on purchases
Wells Fargo Autograph Journey℠ Card
Ideal for travelers, earning 5X points on hotels and 4X points on airlines with added travel benefits.
Best for: Travel rewards enthusiasts
Key Features:
- Earn 5X points on hotels
- 4X points on airlines
- 3X points on other travel and restaurants
- 1X points on other purchases
- $95 annual fee
- $50 annual statement credit with a minimum $50 airline purchase
Wells Fargo Reflect® Card
An excellent option for balance transfers with 0% intro APR for 21 months and no annual fee.
Best for: Balance transfers and large purchases
Key Features:
- 0% intro APR for 21 months on purchases and qualifying balance transfers
- 17.24% to 28.99% variable APR thereafter
- No annual fee
Wells Fargo Attune® Card
Focused on health and wellness with 4% cash rewards on gym memberships and other related expenses.
Best for: Health and wellness spending
Key Features:
- Earn 4% cash rewards on gym memberships, salons, sports, recreation, entertainment, public transit, EV charging, and select thrift stores.
- $100 cash rewards bonus when you spend $500 in the first 3 months
- $0 annual fee
Bilt Mastercard®
A rewards card for renters that lets you earn 1X points on rent payments with no transaction fee.
Best for: Renters looking to earn rewards
Key Features:
- Earn 1X points on rent payments without a transaction fee, up to 100,000 points each calendar year
- 2X points on travel
- 3X points on dining
- $0 annual fee
Wells Fargo Signify Business Cash® Card
A business card that offers 2% cash rewards on all purchases with a $500 bonus after spending $5,000 in the first 3 months.
Best for: Small business owners
Key Features:
- Earn unlimited 2% cash rewards on purchases
- $500 cash rewards bonus when you spend $5,000 in the first 3 months
- $0 annual fee
Eligibility Requirements for Wells Fargo Cards
Applying for a Wells Fargo credit card involves meeting specific eligibility criteria.
Understanding these requirements can help you determine your suitability and increase your chances of approval.
- Minimum Credit Score: At least 670, with 700+ preferred for better approval chances.
- Age Requirement: Must be at least 18 years old.
- U.S. Residency: A valid U.S. address is required (P.O. boxes are not accepted).
- Social Security Number (SSN): Required for identity verification and credit history.
- Income Verification: Proof of stable income is needed to assess repayment ability.
- Recent Credit Card Applications with Wells Fargo: Cannot apply for another card if one was opened within the last 6 months.
- Previous Credit Card Ownership with Wells Fargo: No welcome bonus if applying for the same card within 48 months of receiving it.
- Recent Credit Card Openings Across All Banks: Wells Fargo may deny if you've opened 5+ cards in the last 24 months (5/24 rule).
- Prequalification Status: Check for prequalified offers on Wells Fargo's website without affecting your credit score.
Steps to Apply Online
Applying for a Wells Fargo credit card online is a straightforward process. Follow these simple steps to complete your application:
- Visit the Wells Fargo Website: Go to the official Wells Fargo website and navigate to the credit card section.
- Choose Your Card: Browse the available credit card options and select the one that best fits your needs.
- Fill out the Online Application Form: Provide personal details like your name, address, income, and employment information.
- Upload Required Documents: Submit any necessary documents, such as proof of income and identification.
- Review Your Application: Double-check all the information you entered to ensure accuracy.
- Submit Your Application: Click the submit button to send your application for review.
- Wait for Approval: Receive an instant decision or wait a few business days for further processing.
Interest Rates and Fees for Wells Fargo Cards
Understanding the interest rates and fees associated with these credit cards is crucial for managing your finances effectively.
Here's a breakdown of the key charges:
Interest Rates (APR):
- Purchases & Balance Transfers: 0% intro APR for 12–21 months, then 17.24%–29.24% variable APR, based on creditworthiness.
- Cash Advances: 29.99% variable APR.
Fees:
- Annual Fee: $0 for most cards.
- Balance Transfer Fee: Intro fee: $5 or 3% for the first 120 days; then up to 5%, minimum $5.
- Cash Advance Fee: Either $10 or 5% of the amount of each advance, whichever is greater.
- Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars.
- Late Payment Fee: Up to $40.
How to Use Your Card for Maximum Benefits
Maximize your card by utilizing its features effectively. Here are some tips to boost rewards and perks:
- Pay Your Balance in Full: Avoid interest charges by paying off your balance in full each month.
- Take Advantage of Rewards Categories: Use your card for purchases in bonus categories (e.g., dining, travel) to earn extra points or cash back.
- Monitor Your Spending: Keep track of your expenses to prevent overspending and ensure you’re maximizing your rewards.
- Redeem Rewards Regularly: Redeem your points or cash back as soon as possible to maximize your rewards.
- Use Card Perks: Take advantage of travel insurance, purchase protection, and extended warranties with your card.
- Set Up Alerts: Set up payment due date and spending alerts to help manage your account efficiently.
- Look for Promotional Offers: Watch for special promotions or bonus offers to earn additional rewards.
Wells Fargo Customer Support
If you need assistance with your Wells Fargo credit card or other banking services, here are the primary contact options:
General Banking & Credit Cards
- Personal Banking & Credit Cards: 1-800-869-3557 (24/7)
- Credit Card Account Management: 1-800-642-4720 (24/7)
- Credit Card Application Status: 1-800-967-9521 (24/7)
- Credit Card Fraud or Lost/Stolen Card: Call the number on the back of your card
- International Calls: 1-925-825-7600 (24/7)
Online Banking & Technical Support
- Online Banking Help: 1-800-956-4442 (24/7)
The Bottomline
Applying for a Wells Fargo credit card online is convenient and straightforward, and the card offers a variety of rewards and benefits.
By understanding the application steps, eligibility requirements, and card features, you can choose the best card to suit your needs.
Don’t miss out on the opportunity to enjoy valuable perks and savings—apply for your Wells Fargo card today.
Disclaimer
Approval for a Wells Fargo credit card is subject to creditworthiness and other factors.
Terms and conditions may vary, and all offers are subject to change without notice.
