Wells Fargo Cash Wise Visa® Card: 650+ FICO
The Wells Fargo Cash Wise Visa® Card is a popular choice for consumers who want simple rewards that don't require much hassle. It offers an unlimited 1.5% cash back on every purchase, without categories to activate or track, and it never charges an annual fee.
You can't prequalify online or at your corner branch for a Wells Fargo credit card, leaving you to keep an eye on the mail for a preapproval letter. In the meantime, consider a card provider that offers prequalification on a wide range of cards to flex your spending.
The Wells Fargo Cash Wise Visa is an OK choice for everyday purchases, providing a simple 1.5% back on whatever you buy. While other cards may offer higher rewards in specific categories, they may be in areas that don't align with your spending and/or you may also not want to be bothered with category tracking.
You can only get a Wells Fargo credit card pre-approval in the mail, or if you're already a client, you can sign in to your online account and click on the Products & Offers tab to see any pre-qualifications you might have.
What credit bureau does Wells Fargo use for approval? Wells Fargo uses all three major credit bureaus: Equifax, Experian, and TransUnion. Your state may factor into which credit bureau Wells Fargo uses when it pulls your credit report.
The best credit cards for a 550 score:
The easiest Wells Fargo credit card to get is the Wells Fargo Business Secured Credit Card because even people with bad credit can get approved. When you make a deposit to open the account ($500 min.), you'll get a credit limit equal to that deposit, up to $25,000. The annual fee is $0.
How to check your Wells Fargo credit card application status: By Phone: Call (800) 967-9521 between 5:00 AM and 7:00 PM, Monday through Friday. When prompted, say, “Check the status of my application.” Then, enter your Social Security number. Online: Use Wells Fargo's application status webpage.
A: You'll need a FICO credit score of at least 670 to qualify for the Wells Fargo Propel American Express card.
Best Wells Fargo Credit Cards Compared
| Credit Card | Best For | Annual Fee |
|---|---|---|
| Wells Fargo Cash Wise Visa® card | Cash Back | $0 |
| Wells Fargo Rewards® Card | Gas Rewards | $0 |
| Wells Fargo Platinum card | 0% Intro APR | $0 |
| Wells Fargo Business Platinum Credit Card | Business | $0 |
Compare to Other Cards
| Wells Fargo Platinum card | Citi® Diamond Preferred® Card | U.S. Bank Visa® Platinum Card |
|---|---|---|
| Recommended Credit Score 690850good - excellent | Recommended Credit Score 690850good - excellent | Recommended Credit Score 690850good - excellent |
Your FICO® Score is provided through Wells Fargo Online® at no additional cost beyond your standard internet/mobile carrier fees.
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