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How to prequalify for Wells Fargo credit cards

You can't check online or at a branch. But you can increase the odds of targeted preapproval on your next card.

Wells Fargo doesn’t allow you to check for prequalified offers either in person or through its website. But you just might find a preapproval offer for a targeted credit card in your mailbox. Here’s how to increase your chances of receiving one.

Wells Fargo prequalification vs. preapproval

Wells Fargo is among the few banks that don’t offer prequalification as a way to learn whether you might be eligible for a credit card without hurting your credit score.

Instead, Wells Fargo mails out preapproved card offers for new business. These mailed letters typically mention preapproval on the envelope and go out only to people the bank’s considered creditworthy.

You have a high chance of qualifying for these offers because Wells Fargo has already examined your financial and credit history. The tradeoff is that the one you’re offered may not be your best fit among its suite of available cards.

Taking the bank up on preapproval

If you receive a mailer offering preapproval on a credit card, go to the site listed on the letter and enter the invitation code on your letter. You’ll see the rates, fees and details of the card you’re qualified for, which you can use to shop around for similar cards at other banks or apply on the spot.

How to prequalify yourself for a Wells Fargo card

While you wait for a preapproval letter, match your credit history with Wells Fargo cards through a simple check of your finances:

  • Order your credit report for free from one of the three major bureaus.
  • Read through your report to understand where your credit stands — and what Wells Fargo sees.
  • Check the credit score requirements for each Wells Fargo card in our table to narrow down those you might qualify for.

If your credit score is higher than the card’s requirement, odds of application success are in your favor. If your credit score isn’t quite within the range, your overall financial history might play a larger part in whether you qualify. Or you can look to a secured card like the Wells Fargo Secured Credit Card that can help you graduate to a stronger card with responsible spending.

Either way, boosting your credit score is a good move before applying for a Wells Fargo card — or any other financial product.

Bottom line

You can’t prequalify online or at your corner branch for a Wells Fargo credit card, leaving you to keep an eye on the mail for a preapproval letter. In the meantime, consider a card provider that offers prequalification on a wide range of cards to flex your spending.

Compare credit cards from brands that offer prequalification

1 - 3 of 10
Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Unlimited®
4.5% on dining at restaurants, including takeout and eligible delivery services, 4.5% on drugstore purchases, 6.5% on travel purchased through Chase Ultimate Rewards®, Unlimited 1.5% cash back on all other purchases
0% intro for the first 15 months (then 17.24% to 25.99% variable)
$0
This solid 1.5% cashback card gets even better with the addition of up to 6.5% back in categories like travel, drug stores and dining.
Chase Freedom Flex℠
5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5% cash back on travel purchased through Chase Ultimate Rewards®
3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 1% cash back on all other purchases.
0% intro for the first 15 months (then 17.24% to 25.99% variable)
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Reserve®
5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on other travel after earning your $300 travel credit, 10x points on Lyft rides, 10x points on Chase Dining through Ultimate Rewards, 3x points on other dining and 1x points on all other purchases
19.24% to 26.24% variable
$550
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example 60,000 points are worth $900 toward travel
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