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How to increase your Wells Fargo credit limit

Use your card for at least six months before requesting a credit line increase.

A high credit limit is an integral part of your credit score and purchasing power. But you can only request a credit line increase after you’ve used your card responsibly for a minimum of six months. After that, you can see if you’re eligible to request a credit line increase.

How can I find out my Wells Fargo credit limit?

Access your online credit card account and check your credit limit in the account summary. If you rarely use your online account, look for your credit line on your monthly credit card statement.

How do I know if I am eligible for a credit limit increase?

Boost your chances of getting a credit line increase by having:

  • A credit card account that’s at least six months old.
  • An unsecured credit card.
  • No changes to your credit limit in the last six months.
  • On-time credit card balance payments each month.

But even if you meet the criteria, it’s not guaranteed you’ll get a credit line increase.

How to increase my Wells Fargo credit limit

You have three options to increase your Wells Fargo credit limit.

  • Call the bank
  • Get an automatic credit limit increase
  • Apply for another card

Call the bank

If you’re eligible for a credit line increase, here’s what to do:

  1. Call Wells Fargo at 800-642-4720.
  2. Provide a reason for your request, such as higher income, upcoming expenses like a wedding, honeymoon or home renovations.
  3. Ask for a reasonable credit limit increase. If you don’t want to risk throwing in numbers, ask for the standard credit limit increase amount.

Get an automatic credit limit increase

Sometimes, you don’t have to ask Wells Fargo to get a credit line increase — they’ll do it on their own. But to get an automatic credit line increase, you must:

  • Use your card regularly. Try to charge as many purchases as possible to your card to show you could use a higher credit limit.
  • Use a higher amount of your credit line. Use more than half of your credit limit. It won’t make much sense if you use 10% and ask for an increase.
  • Pay your full balance on time. Otherwise, Wells Fargo may be reluctant to approve a credit line increase.

Apply for another card

Aside from getting another line of credit, you can choose a card with a host of additional perks.

Compare high credit limit cards

All credit cards in the table below come with a higher credit line compared to other cards. However, there’s no guarantee you’ll get approved for a higher credit line because it depends on multiple factors, including your annual income, employment, creditworthiness and more.

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Luxury Card Mastercard® Black Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
14.99% variable
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.

Compare up to 4 providers

How is my Wells Fargo credit limit determined?

Here are the things that impact the amount you can borrow:

  • Income. It’s simple. You earn more, you spend more. With higher income, chances are you get a higher credit line.
  • Creditworthiness. Prove to the bank you can manage debt and that you pay off your balance on time. High credit score and clean credit history will back you up.
  • Relationship with Wells Fargo. Get rewarded with a higher credit limit if you’re loyal to the bank. Of course this isn’t guaranteed, but it can certainly help.
  • The type of card you apply for. High-end credit cards tend to come with a high credit limit. For example, Visa Signature cards come with a minimum credit line of $5,000.

How often will Wells Fargo increase your credit limit?

Wells Fargo won’t increase your credit line before six months of card membership. After that, give it at least six months before you request another credit limit increase.

Bottom line

Get a credit limit increase on your Wells Fargo credit card with active and responsible credit card use. The only way to increase your credit line on your request is to call the bank. Alternatively, you can wait for Wells Fargo to increase your credit limit on their own.

But if you don’t want to wait for an automatic credit line increase or if you keep getting your request denied, consider applying for a new credit card.

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