Applying for a Wells Fargo credit card online is simple if you know which card you want and what information the bank will ask for.
This guide walks you through the process of choosing a card, completing the application, and understanding key details.
It also includes Wells Fargo’s current contact phone numbers and corporate mailing address.
Understanding Wells Fargo Credit Cards
Wells Fargo offers a range of Visa credit cards designed for different needs, including everyday spending, long 0% APR periods, and cash-back rewards.
Two of the most widely advertised options today are the Wells Fargo Reflect® Card and the Wells Fargo Active Cash® Card.
The Reflect Card focuses on offering a long introductory 0% APR period, which can be beneficial if you need extra time to pay off purchases or a balance transfer.
The Active Cash® Card is positioned as a simple cash-back option, offering flat-rate rewards on everyday purchases with no annual fee.
Before You Apply: Eligibility and Card Choice
Before filling out any online form, make sure you meet the basic requirements.
In general, like most major banks, Wells Fargo evaluates your credit history, income, existing obligations, and recent applications.
Outside comparison sites also note that Wells Fargo may have internal rules about how often you can receive new-card bonuses or open new card accounts.
To choose the right card:
- Decide if you want rewards (like flat 2% cash rewards) or a long 0% intro APR for purchases and balance transfers.
- Check whether the card has a $0 annual fee or a yearly charge.
- Look at the introductory APR period and the ongoing variable APR that applies after that.
- Confirm any balance transfer terms, including how long you have to transfer a balance to get the intro rate.
Once you know which product fits your situation, you are ready to start the online application.
How to Apply for a Wells Fargo Credit Card Online
Open your browser and go to wellsfargo.com, then navigate to the credit cards section from the main menu.
There you will see a list of options, with short descriptions of their features, intro APR offers, and fees.
Click on the card that interests you and then select “Apply now”. This will take you to the secure online application form.
Indicate Whether You Are an Existing Customer
On the application page, you will usually be asked if you already have a Wells Fargo relationship.
Existing customers may be able to sign in so that some of their information fills in automatically.
New customers can still apply, but will need to enter all of their details manually. Typical information requested includes:
- Full legal name, address, phone number, and email.
- Social Security number or individual taxpayer identification number.
- Date of birth and citizenship or residency status.
- Employment status and estimated annual income.
It is important that this information is accurate and matches your official documents, since the bank will use it to verify your identity and pull your credit report.
Add Housing and Financial Information
The form will also ask for data that helps Wells Fargo evaluate your ability to manage new credit.
For example, you may be asked for: Monthly housing payment, Sources of income (job, self-employment, pension), Wells Fargo accounts, or loans.
These details help the bank estimate your debt-to-income ratio, a key factor in credit decisions.
Review the Terms and Submit
Before you submit, you will see the credit card agreement and a summary of Important Credit Terms.
When you click to submit, you are authorizing Wells Fargo to perform a credit check. Many applicants receive a decision online right away.
In some cases, the bank may need additional time or information, and you may be asked to call or wait for a letter with the final decision.
Wells Fargo Credit Card Interest Rates: Examples
Interest rates can vary depending on both the card and your credit profile.
Wells Fargo Reflect® Card
Introductory APR: 0% for 21 months from account opening on purchases and qualifying balance transfers.
After the intro period, variable APR: 17.74%, 24.24% or 28.49%, based on creditworthiness.
Balance transfers must typically be made within 120 days of opening the account to qualify for the intro rate.
Wells Fargo Active Cash® Card
Introductory APR: 0% for 12 months from account opening on purchases and qualifying balance transfers.
After the intro period, variable APR: 18.74%, 24.74% or 28.74%, depending on your credit profile.
Balance transfers within 120 days qualify for the promotional intro APR and fee terms. Rewards: unlimited 2% cash rewards on purchases.
Wells Fargo Phone Numbers and Mailing Address
If you have questions about your application or card benefits, Wells Fargo provides several contact options.
Credit card account management (general customer service)
- Phone: 1-800-642-4720
This number is listed as a 24-hour line for managing credit card accounts and handling issues like lost or stolen cards.
Application status for Wells Fargo Visa credit cards
- Phone: 1-800-967-9521
Wells Fargo indicates this line is available 24 hours a day, 7 days a week for checking the status of your credit card application.
For written correspondence, Wells Fargo lists the following corporate office mailing address: Wells Fargo 333 Market Street San Francisco, CA 94105.
Tips to Improve Your Chances of Approval
Check your credit reports with the major bureaus and correct any errors that might lower your score.
Reduce existing card balances to lower your credit utilization ratio; this is a common factor in lenders’ decisions.
Avoid submitting multiple credit card applications with different banks within a short period, as too many recent hard inquiries can be a negative signal.
Choose the Wells Fargo card that fits your situation. A long 0% intro APR card if you intend to carry a balance, or a cash-back card if you want rewards.
Conclusion
Applying online for a Wells Fargo credit card can be done in just a few steps if you prepare in advance.
Start by comparing cards and deciding whether you value long 0% APR periods, simple cash-back rewards, or other benefits.
Then complete the secure online form with accurate personal and financial information and carefully review the credit terms before you submit.
Disclaimer: This article is for informational purposes only and is not financial, legal, or tax advice. Wells Fargo’s credit card products, interest rates, fees, promotional offers, phone numbers, and mailing addresses can change at any time without notice. Always verify the latest information directly with Wells Fargo through its official channels before applying for a credit card or sending any correspondence. You are solely responsible for reviewing all terms and conditions and for deciding whether any credit product is appropriate for your situation.
