Wells Fargo Credit Card – Learn How to Apply Online

This article will guide you through the online application for a Wells Fargo credit card. Understanding the steps and requirements can make the application smoother. 

ADVERTISEMENT

You’ll find detailed instructions and essential information. Let’s get started on securing your new credit card efficiently.

Brief Overview of Wells Fargo

It is a large bank in the United States with a history dating back to 1852. It offers various banking services, including personal, small business, and commercial banking. 

The bank has numerous branches and ATMs across the country. The company aims to help customers achieve their financial goals and is known for providing reliable banking solutions.

Types of Credit Cards Offered

Wells Fargo offers a range of options to suit different preferences. Each option has distinct benefits and features. Here are the types of cards available:

Active Cash® Card

This card is ideal for those who want simple cash rewards. It offers 2% cash rewards on every purchase.

  • Intro offer: $200 cash rewards bonus when you spend $500 in the first three months.
  • Rewards: Unlimited 2% cash rewards on purchases.
  • Annual fee: $0.
  • APR: 0% intro APR for 15 months on purchases and balance transfers. After that, 20.24%, 25.24%, or 29.99% variable APR. Balance transfers within 120 days qualify for the intro rate and fee.

Autographservice Mark℠ Card

This card is perfect for earning points in various categories. It offers bonus points on dining, travel, and more.

  • Intro offer: Earn 20,000 bonus points when you spend $1,000 in the first three months.
  • Rewards: Unlimited 3X points on restaurants, travel, gas stations, transit, streaming services, and phone plans. 1X points on other purchases.
  • Annual fee: $0.
  • APR: 0% intro APR for 12 months on purchases. After that, 20.24%, 25.24%, or 29.99% variable APR.

Reflect® Card

This card is ideal for those looking to manage their interest rates. It offers a long introductory APR period.

  • APR: 0% intro APR for 21 months on purchases and balance transfers. After that, 18.24%, 24.74%, or 29.99% variable APR. Balance transfers within 120 days qualify for the intro rate.
  • Annual fee: $0.

Bilt Mastercard®

This card is great for earning points on rent and other purchases. It provides special rewards on the first of each month.

  • Rewards: 1X points on rent payments without a transaction fee, 2X points on travel, 3X on dining, and 1X on other purchases. Use the card 5 times each statement period to earn points.
  • Rent day: Earn double points on the 1st of each month—6X points on dining, 4X on travel, and 2X on other purchases (except rent).
  • Annual fee: $0.

Eligibility Criteria

To apply for a credit card, you must meet specific requirements. These criteria ensure you are eligible and can manage the card responsibly.

Basic Requirements to Apply

Here are the basic requirements to apply for a credit card:

  • Age: You must be at least 18 years old to apply.
  • Income: A steady income is essential to demonstrate your ability to repay charges.
  • Credit score: A good credit score improves your chances of being approved.
  • Necessary documentation: You must provide identification, proof of income, and address verification.

Step-by-Step Guide to Applying Online

Applying online is easy and quick. Follow these steps to complete your application smoothly and efficiently.

Visiting the Website

First, visit the official website. Here are the steps:

  • Use a secure internet connection to protect your information.
  • Type the URL into your browser carefully.
  • Ensure you are on the correct site by checking for security indicators, like the padlock icon in the address bar.

Navigating to the Application Section

Next, find the application section. Follow these steps:

  • Look for the section on the homepage.
  • It is usually listed under personal banking or services.
  • Click on the link to proceed to the application page.

Selecting the Appropriate Option

Choose the option that best fits your needs. Here’s how:

  • Review the different options available.
  • Consider the features, benefits, and rewards of each.
  • Click on the one you want to apply for to view more details and start the application.

Filling Out the Application Form

Now, fill out the application form. Steps include:

  • Enter your personal information accurately, including your name, address, and contact details.
  • Provide financial information such as your income, employment status, and other required details.
  • Double-check all the information you have entered to ensure there are no mistakes.

Uploading Required Documents

Upload the necessary documents to support your application. Follow these steps:

  • Gather your documents in advance to ensure you have everything needed.
  • This includes a photo ID (like a driver’s license or passport) and proof of income (such as pay stubs or tax returns).
  • Upload these documents as instructed on the application page, ensuring they are clear and legible.

Reviewing and Submitting the Application

Finally, review and submit your application. Here’s what to do:

  • Carefully review all the information you have entered to ensure it is correct and complete.
  • Make any necessary corrections before submitting.
  • Apply and wait for confirmation, which may come via email or website.

What to Expect After Applying?

After submitting your application, there are several steps to anticipate. This section explains what happens next and how to stay informed.

Confirmation of Application Submission

Once your application is submitted, you will receive a confirmation, usually via email or on the website.

Typical Processing Time

The processing time for applications varies. Typically, a decision is received in 7 to 10 business days.

Possible Follow-Up Steps

After submitting your application, you might need to take additional actions. Here are some possible follow-up steps:

  • Providing additional documentation: You may be asked for more documents to verify your information.
  • Answering follow-up questions: The bank might contact you for more details or clarification.
  • Waiting for a physical mail confirmation: A decision letter is sometimes sent via postal mail.

How to Check the Status of Your Application?

Staying updated on your application status is essential. Here are ways to check your status:

  • Online account: Log in to your online banking account to see updates.
  • Email notifications: Check your email for any messages regarding your application.
  • Customer service: Call the customer service number in your confirmation email for updates.

Customer Support Services

Customer support is available to assist you with any questions or issues. You can reach out through various methods.

Telephone Number and the Bank’s Address

For customer support, call 1-800-869-3557. The bank’s address is 420 Montgomery Street, San Francisco, CA 94104. This contact information can help you get assistance when needed.

Disclaimer: Information provided here may change, especially rates and interest. Always visit the bank’s website for the most accurate and up-to-date information.

Final Thoughts on Applying for a Wells Fargo Credit Card Online

Applying for a Wells Fargo credit card online is straightforward. By following the steps outlined, you can ensure a smooth application experience. 

Remember to gather all necessary documents and double-check your information. This guide provides everything you need to get started and succeed.

Anna Schmidt
Anna Schmidt
I’m Anna Schmidt, the lead editor at pxwall.com. I write about travel tips, how to get free samples from major companies, credit card benefits, how to apply for credit cards and loans, find online courses, and job opportunities in Europe and North America. With a degree in Business Administration and over 7 years of experience in digital marketing and content creation, my goal is to make complex information accessible and useful for readers. I believe that clear information can help readers make smarter choices about their finances, career, and time.