Wells Fargo Credit Card - Learn How to Apply Online

March 25, 2025

Wells Fargo credit cards offer cash back, rewards, and low interest rates. You can apply online quickly using their secure application form.

The process is simple if you follow each step correctly. This article explains everything you need to know from application to approval.

Wells Fargo Credit Cards Overview

Wells Fargo credit cards fall under the 97P-O classification, offering varied rewards and features. Options include flat-rate cash back, bonus point categories, and balance transfer benefits.

Each card supports different spending habits like travel, dining, or everyday use. Choosing the right one depends on your financial goals and lifestyle needs. Step-By-Step Guide to Apply Online

Visit the Official Wells Fargo Website

You need to begin at the official Wells Fargo credit card page. Use a secure browser and internet connection before starting.

Go to https://www.wellsfargo.com/credit-cards/
Browse through the available credit card options.
Use filters like "Cash Back," "No Annual Fee," or "Intro APR" to narrow results.
Click "Apply Now" when you've chosen a card.

Choose the Credit Card That Suits You

There are multiple Wells Fargo credit cards, each with unique features. You should choose one that fits your financial habits.

The Active Cash® Card offers 2% cash back on all purchases.
The Autograph® Card provides 3X points on restaurants, travel, and gas.
The Autograph JourneySM Card offers up to 5X points on hotels.
The Reflect® Card focuses on long 0% intro APR for balance transfers and purchases.

Start and Complete the Application Form

Once you've selected your card, click the red "Apply Now" button. This brings you to the application form.

Enter your full legal name, home address, SSN, and employment details.
Add your total annual income and housing payment information.
Read the terms and disclosures carefully.
Review and submit the application.

Requirements and Eligibility Criteria

To be successful in applying, you must meet the basic eligibility requirements. These include age, residency, and financial standing.

Who Can Apply?

You must be at least 18 years old and a U.S. citizen or permanent resident. A valid U.S. Social Security Number is required for identity verification.

You also need a residential U.S. address, not a P.O. box. Meeting these legal and financial standards is essential for eligibility.

What You Need to Provide?

To process your application, Wells Fargo needs accurate and verifiable information. Be ready to enter:

Personal contact details (name, phone, email).
Your housing status and monthly rent or mortgage.
Employment status and total gross annual income.
Authorization to pull your credit report.

Each card from Wells Fargo is tailored to specific spending behaviors. Below is a detailed comparison to help you make a decision.

Wells Fargo Credit Card Options

Here’s a breakdown of four Wells Fargo credit cards designed for different needs. Each card offers distinct benefits that suit specific financial habits.

Active Cash® Card

This card is designed for flat-rate cash rewards. It suits those who want simplicity and no category tracking.

$200 cash rewards bonus after spending $500 in 3 months.
Unlimited 2% cash rewards on all purchases.
0% intro APR for 12 months, then 19.24% – 29.24% variable.
$0 annual fee makes it easy to keep long-term.

Autograph® Card

A strong choice for users with diverse monthly expenses. You'll earn points on practical categories.

20,000 bonus points after $1,000 spend in 3 months.
3X points on restaurants, gas, travel, transit, and streaming.
0% intro APR for 12 months, then variable APR.
No annual fee for this rewards-based card.

Autograph JourneySM Card

This card is built for travelers who want high-value rewards. It does include an annual fee but offers more perks.

60,000 bonus points after $4,000 spend in 3 months.
5X points on hotels, 4X on airlines, 3X on restaurants.
Includes $50 airline statement credit.
$95 annual fee, but high reward potential.

Reflect® Card

Reflect is ideal for balance transfers or large purchases. It focuses on interest savings, not rewards.

0% intro APR for up to 21 months on purchases and transfers.
Variable APR of 17.24% – 28.99% after the intro period.
No annual fee.
Balance transfers must be made within 120 days.

Tips to Increase Your Approval Odds

If you want the best chance of approval, there are steps you can take before applying. These will help you qualify and possibly get better terms.

Check and Improve Your Credit Score

Your credit score is a major approval factor. Get your report and review it for any errors.

Dispute incorrect information with credit bureaus.
Aim for a score of 670+ for better card options.
Keep utilization below 30% before applying.
Avoid recent hard inquiries from other lenders.

Maintain Stable Income and Low Debt

Wells Fargo looks at your debt-to-income ratio. Make sure your finances are in order.

Pay off small debts to lower your obligations.
Don't apply for multiple cards at once.
Use consistent income sources for documentation.
Be honest and accurate when filling out your application.

Using the Wells Fargo App for Tracking

You can manage everything using the Wells Fargo Mobile App. It simplifies post-approval steps.

Track Application and Delivery

The app allows you to stay updated once you apply. It provides tracking and activation.

Receive alerts on application status.
See estimated delivery date for your card.
Activate your card directly in the app.
Set up alerts for balance, due dates, and spending.

Manage Your Account Features

After approval, the app helps you stay in control. It's useful for payments and rewards.

View your transaction history.
Redeem rewards or cash back.
Freeze/unfreeze your card instantly.
Access customer service via chat or call.

APR, Fees, and Bonus Terms

Wells Fargo offers competitive rates, but you must read the fine print. Offers depend on your creditworthiness.

Intro APR and Variable Rates

These cards offer a 0% introductory APR, but it only lasts for a limited time. Depending on the card, the intro period ranges from 12 to 21 months.

After the intro ends, the APR becomes variable and typically ranges from 17.24% to 29.99%. Your credit score influences which rate you’ll receive.

If you miss a payment, the intro rate may be revoked. Always check the card’s terms to avoid unexpected interest charges.

Fees and Charges

Look at the full cost beyond rewards. Some fees apply in specific cases.

No annual fee for most cards; JourneySM charges $95.
Foreign transaction fees may apply on some cards.
Late payments trigger penalty APRs or fees.
Balance transfer fees apply (usually 3% to 5%).

Terms for Bonus Offers

Welcome bonuses have conditions. You must follow spending rules.

Spend within the first 3 months to qualify.
Bonuses are for new cardholders only.
One-time offer per customer per product.
Points or cash back may take weeks to appear.

Customer Support and Contact Info

Use the method most convenient for you. The mobile app is best for real-time help.

Customer service (general): 1-800-869-3557
Credit card support: 1-800-642-4720
Website: wells Fargo dot com
Use the app for account updates and chat

Make the Right Move: Apply with Confidence

Wells Fargo’s credit cards offer rewards, cash back, and low APR options. Applying online is efficient when you understand the process.

With the right preparation, you increase your chances of approval. Choose a card that aligns with your goals and use the Wells Fargo app to stay on top of your account.