The best Wells Fargo credit cards provide competitive cash back, points, and/or consumer-friendly terms like no annual fees (or annual fees that are easily justified based on rewards), introductory interest rates, and one-time bonuses.
The minimum recommended credit score for the Wells Fargo Visa Signature and Wells Fargo Rewards cards is 750. For the Wells Fargo Cash Wise Visa, Wells Fargo Platinum, and Wells Fargo Propel American Express cards the minimum recommended credit score is 700.
Some cards require you to have a current Wells Fargo bank account to apply online, and a number of reviewers have reported being turned down for a Wells Fargo credit card because of an insufficient history with the bank. And a poor history with the bank can also get your application rejected.
You'll need an excellent credit score (750+) to qualify for the Visa Signature and Rewards cards. A minimum good credit (700-749) is required for the Cash Wise Visa, Platinum, and Propel American Express cards. If you have bad credit (640), you'll likely qualify for the Cash Back College Card.
Wells Fargo credit card approval odds are best for people who have at least good credit. Most Wells Fargo credit cards require a credit score of 700+.
Best credit cards if your FICO score is 600 to 649 overview
| Credit Card | Best For |
|---|---|
| Capital One Platinum Credit Card | Rebuilding credit |
| Secured Mastercard® from Capital One | The lower end of fair credit |
| OpenSky® Secured Visa® Credit Card | Those with little to no credit |
| Discover it® Secured | Cashback rewards AND building credit |
How to check your Wells Fargo credit card application status:
The best credit cards for a 550 score:
Your customer will receive the credit card within 7—10 days of being approved for credit.
Yet No Comments