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 |
High regular rates
You need good or excellent credit to get Wells Fargo Platinum, after all. And its regular APR is almost guaranteed to be above average for credit cards that require good credit (19.3%) and excellent credit (13.04%), respectively.
So to recap, your Wells Fargo Platinum credit limit will be $1,000+, and you could get an increase either by requesting one from Wells Fargo customer service at (800) 642-4720 or by moving your credit from another Wells Fargo card. That's as much as you'll know going in.
Getting approved for the American Express Platinum is a lot like any new credit card application. You have better chances with a credit score above 700, a clean credit history, and a low debt-to-income ratio.
The Wells Fargo Platinum card is best for those looking for a basic card with no annual fee that gives you an extended interest-free period on balance transfers and purchases. You'll be able to pay down high-interest credit card debt or finance a big purchase without paying interest fees for 18 months.
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.
Most Wells Fargo credit cards require a credit score of 700+. The exceptions are the Wells Fargo Rewards Card, which requires a score of 750+, and the Wells Fargo Cash Back College Card, which is available to students with limited credit.
Also, note that asking for a credit limit increase could result in a hard inquiry on your credit report, which could temporarily impact your score. As a final consideration, you should note that Wells Fargo may automatically increase your credit limit from time to time.
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.
Editorial and user-generated content is not provided, reviewed or endorsed by any company. Wells Fargo credit card limits range from $500 for the Wells Fargo Cash Back College℠ Card to $5,000 for the Wells Fargo Visa Signature® Card, at a minimum. Other Wells Fargo cards fall somewhere in the middle.
You can upgrade a Wells Fargo credit card by calling customer service at (800) 642-4720. From there, you'll need to enter your card number, after which you'll be sent to Wells Fargo's automated account management menu, where you can select to speak to a customer service representative.
The Wells Fargo two-card combination makes it relatively easy to earn enough points for free flights, and a nice kicker is that flights booked through the Go Far Rewards portal have also always earned redeemable and elite qualifying miles for me over the last two years.
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