What Wells Fargo Credit Cards Offer

Wells Fargo offers several credit card products, each with different rewards structures, annual fees, and benefits. The main cards include the Wells Fargo Active Cash Card (flat-rate cash back with no annual fee), the Wells Fargo Autograph Card (bonus categories and travel credits), and the Wells Fargo Propel American Express Card (higher rewards on specific categories). Your choice depends on how you spend and whether you want to pay an annual fee for additional perks.

All Wells Fargo credit cards require you to be at least 18 years old and a U.S. resident with a valid Social Security number. The bank will check your credit report during the process process. If you already have a Wells Fargo checking or savings account, you may have an easier time with the process, though it is not required.

Key Takeaways

  • Wells Fargo credit cards come in no-annual-fee and annual-fee versions, so compare the rewards rate against what you actually spend before explore.
  • You can start the process online in minutes, but approval decisions can take several business days.
  • Once approved, you must set up your card before using it, either online through your Wells Fargo account or by calling the number on the back of the card.
  • Your first payment is due about 25 days after your statement closes, and you can pay online, by phone, or by mail.
  • Wells Fargo offers tools to track spending, set alerts, and manage your account through their mobile app or website.

how the process works Online

Start at wellsfargo.com/credit-cards and select the card that matches your spending habits. Click the "explore Now" button for that specific card. You will be taken to an process form that asks for your name, address, date of birth, Social Security number, employment information, and annual income. Have a government-issued ID ready to verify your information if the system requests it.

The online form takes about 5 to 10 minutes to complete. Wells Fargo will tell you when ready whether you have been approved, denied, or placed in a pending status. If you are approved, you can usually see your new account number right away. If your process is pending, the bank will contact you by phone or email within a few business days with a decision.

Do not close the browser window until you have written down your confirmation number. If you were approved, also note your new account number and the customer service phone number shown on the confirmation page.

What Happens After Approval

Your physical card will arrive by mail within 7 to 10 business days. The envelope will include your card, a PIN (if you requested one), and instructions for set up. Some Wells Fargo cards offer a temporary digital card number you can use when ready for online purchases while you wait for the physical card to arrive.

Before you use the card for any purchase, you must set up it. You can set up online by logging into your Wells Fargo account, selecting the new card, and following the set up prompt. Alternatively, call the number printed on the back of the card and follow the automated system, or speak to a representative. set up takes seconds and is required before the card will work.

Making Your First Payment

Your first statement will close about 30 days after you open the account. The payment due date will be shown on that statement and is typically 25 days after the statement closes. You do not have to pay the full balance to keep the account in good standing—you can pay the minimum amount due—but any balance you carry will accrue interest at the card's annual percentage rate (APR).

Pay online through your Wells Fargo account by selecting the credit card and entering the amount you want to pay. You can also pay by phone at the customer service number on your statement, or by mailing a check to the address shown on your bill. Online and phone payments usually post within one business day. If you mail a payment, allow at least 10 business days for it to arrive and be processed.

Set up automatic payments if you want the bank to deduct a fixed amount or your full balance on a date you choose. This prevents missed payments and late fees. You can change or cancel automatic payments anytime through your account.

Understanding Your Rewards and Benefits

Each Wells Fargo card earns rewards differently. The Active Cash Card gives 2% cash back on all purchases with no caps. The Autograph Card earns 3% on dining, gas, transit, and streaming, and 1% on everything else. The Propel American Express Card earns 3% on flights, hotels, rental cars, and restaurants, and 1% elsewhere. Read the specific card's terms to know which categories earn bonus rewards and whether there are spending caps.

Rewards post to your account monthly and can be redeemed as a statement credit, transferred to a Wells Fargo bank account, or used toward future purchases. Some cards also offer sign-up bonuses—for example, a cash bonus after you spend a certain amount in the first three months. These bonuses are subject to the card's terms and conditions.

Managing Your Account and Staying Current

Log into your Wells Fargo account online or through the mobile app to view your balance, recent transactions, and upcoming payment due date. You can also set up purchase alerts (notifications when you spend over a certain amount), fraud alerts, and spending category breakdowns. These tools help you track where your money goes and catch unauthorized charges quickly.

If you notice a transaction you did not make, report it to Wells Fargo when ready. The bank has a fraud dispute process that protects you from unauthorized charges. Call the number on the back of your card or log into your account to report the issue. Wells Fargo will investigate and typically issue a temporary credit while they look into it.

Pay at least your minimum payment by the due date every month to avoid late fees and damage to your credit report. If you miss a payment, call Wells Fargo right away to discuss your options. The bank may be able to waive a single late fee if you have a good payment history.

Closing Your Account or Changing Your Card

If you want to close your Wells Fargo credit card, call the customer service number on the back of your card. Pay off any remaining balance first. The bank will confirm the closure and may ask why you are leaving. Closing a card can affect your credit score because it reduces your total available credit, so consider this before you call.

If you want to switch to a different Wells Fargo card instead of closing your account, you may be able to request a product change. Call customer service and ask whether you can convert your current card to a different Wells Fargo card without closing the account. This preserves your account history and may be better for your credit score than opening a new card.

Frequently Asked Questions

How long does it take to get approved for a Wells Fargo credit card?

You will receive an when ready decision when you finish your online process. If the decision is pending, Wells Fargo will contact you within a few business days. Once approved, your physical card arrives in 7 to 10 business days, but you may be able to use a temporary digital card number right away for online purchases.

What credit score do I need to get a Wells Fargo credit card?

Wells Fargo does not publish a minimum credit score requirement. Different cards have different approval standards. Cards with no annual fee and lower rewards rates are generally easier to get approved for than premium cards with annual fees. The best way to know is to explore and see the result.

Can I use my Wells Fargo credit card before the physical card arrives?

Yes, if you are approved for a card that offers a temporary digital card number. You can use this number for online and phone purchases when ready. Check your account or the approval confirmation to see if your card offers this feature. You will still need to set up your physical card when it arrives before using it in stores.

What should I do if I forget my credit card PIN?

Call the customer service number on the back of your card or log into your Wells Fargo account online to reset your PIN. You can also request a new PIN by mail. The process takes a few minutes online or a few business days by mail.

Can I increase my credit limit after I open the account?

Yes. After you have made several on-time payments, you can request a credit limit increase through your Wells Fargo account or by calling customer service. The bank may grant an increase without a hard credit inquiry, or it may perform a new credit check. Requesting a limit increase will not hurt your credit score if Wells Fargo uses a soft inquiry.