At a Glance

For many people, a Wells Fargo credit card is an excellent choice for their financial situation. Wells Fargo offers a variety of different types of credit cards, which makes learning the requirements for a Wells Fargo credit card crucial. There are three main types of Wells Fargo cards which will be covered in the following guide.

700

The minimum credit score needed to get approved for a Wells Fargo credit card.

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Wells Fargo credit card requirements

As mentioned, three types of Wells Fargo credit cards are fit for multiple consumers. Each Wells Fargo credit card credit score requirements differ, along with a variety of other factors:

1. Wells Fargo Active Cash® Card requirements

  • FICO credit score of at least 670, but ideally above 700
  • Not having opened another Wells Fargo credit card in the last six months
  • Strong overall history with credit and debt
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Earn unlimited 2% cash rewards on all purchases.

2. Wells Fargo Reflect® Card requirements

  • FICO credit score of at least 700
  • Not having opened another Wells Fargo credit card in the last six months

3. Hotels.com® Rewards Visa® Credit Card requirements

  • FICO credit score of at least 700

Wells Fargo application rules you need to be aware of

While the above Wells Fargo credit card requirements may not seem too stringent, there are several smaller unspoken rules when applying for a Wells Fargo card that all borrowers should know. Most importantly, Wells Fargo does not like to see many credit cards account opened in a small period, including with Wells Fargo itself.

On top of this, Welcome Bonus offers will not be given if you have already received one in the last 15 months. This rule does not change, even if you close the credit card account you received the original welcome bonus.

How to improve your credit if you don’t meet Wells Fargo minimum requirements

For those who don’t meet the requirements for credit cards Wells Fargo offers, it’s important to learn how to improve your credit. The best way to go about this is to start making on-time and in-full payments on any debt you may have outstanding. For those who don’t have debt outstanding already, consider signing on as an authorized user of a trusted family member’s card so that you can improve your credit slowly.

Learn more: How to Improve Your Credit Score

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FAQs

When considering Wells Fargo secured credit card requirements or general Wells Fargo requirements for credit cards, a person may first wish to know how long it takes to get a Wells Fargo card. In most cases, a decision on an application will be instantaneous, meaning a person can get approved for their card right away. It will likely take 3 to 4 business days to receive a new card in the mail.

Compared to other credit card companies, Wells Fargo offers a variety of credit cards for all levels of borrowers. This means the credit card requirements Wells Fargo demands vary depending on card type. As a result, starter cards for Wells Fargo are relatively easy to get so long as you have strong credit.

In looking at Wells Fargo Platinum credit card credit score requirements, or that of any Wells Fargo card, it’s important to know which credit score Wells Fargo uses. In most cases, they will use a person’s FICO credit score.

Yes, Wells Fargo will run a hard credit check on a person when they apply for a credit card, with the only exception being when a person is pre-approved to upgrade their card.