Can you prequalify for Wells Fargo credit cards?

How do I get prequalified for Wells Fargo products?

Wells Fargo currently doesn’t accept prequalification requests. That said, the bank may send you a preapproval offer in the mail if it thinks you may be a good fit for one of its cards.

While it’s not possible to request a preapproval letter, you can increase your chances of receiving one. Wells Fargo, like most banks, prefers customers with good to excellent credit. It may also send more offers to its own customers. Check out a few ways to boost your credit score.

See what cards you're prequalified for

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• Users may not be matched with all offers or banks. Matches are based on a user's credit profile. See the CardMatch terms and conditions for more details.

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Compare these Wells Fargo credit cards

If you’re not sure if you’ll qualify you for a Wells Fargo product, consider the Wells Fargo Secured Credit Card. You’ll need to put down a security deposit for it, but it may give you better approval odds.

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Wells Fargo Propel American Express® Card			3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases	0% intro for the first 12 months (then 14.49% to 24.99% variable)	$0	View details	Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.	Compare	loading Fetching your data...
Wells Fargo Cash Wise Visa® Card			1.5% cash back on all purchases	0% intro for the first 15 months (then 13.99% to 25.99% variable)	$0	View details	$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.	Compare	loading Fetching your data...
Wells Fargo Rewards® Card			5x points on gas, groceries, and drugstores for the first 6 months on up to $12,500, then 1x points after that and on all other purchases	0% intro for the first 15 months (then 12.49% to 25.49% variable)	$0	View details	Earn 5x points on gas, grocery, and drugstore purchases for the first 6 months on up to $12,500 and 1x points on all other purchases.	Compare	loading Fetching your data...
Wells Fargo Platinum Card			N/A	0% intro for the first 18 months (then 15.49% to 24.99% variable)	$0	View details	Enjoy a 18 months intro APR period on purchases and balance transfers.	Compare	loading Fetching your data...
Wells Fargo Visa Signature® Card			5x points up to $12,500 on gas, groceries, and drugstores for the first 6 months, then 1x points after that and on all other purchases	0% intro for the first 15 months (then 12.49% to 25.49% variable)	$0	View details	Earn 5x points on gas, grocery, and drugstore purchases for the first 6 months on up to $12,500 and 1x points on all other purchases.	Compare	loading Fetching your data...
Wells Fargo Cash Back College℠ Card			3% back on gas and groceries for the first 6 months, then 1% after that and on everything else	0% intro for the first 6 months (then 11.15% to 21.15% variable)	$0	View details	Earn 3% back on gas and groceries for the first 6 months. Then earn 1% on those purchases and on everything else.	Compare	loading Fetching your data...
CardMatch™ from creditcards.com			See terms	See issuer's website	See terms	See offer View details	Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	Compare	loading Fetching your data...

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What does prequalification mean?

Prequalification means a bank has initiated a soft pull on your credit and thinks you might be approved for one of its credit cards. If you’re prequalified, you may have a strong chance of approval — potentially 80% to 90% or higher.

You’re not out of the woods yet if you’re prequalified, as approval is never guaranteed. Your card provider will take a deeper dive into your credit profile through a hard pull, and you may still be denied. However, prequalification can give you a better sense of where you stand.

Not set on Wells Fargo? Take our quiz to find your next card.

Bottom line

Wells Fargo doesn’t allow consumers to request prequalification. However, you may be able to increase your chances of getting a preapproval letter.

If your credit isn’t where you want it to be, consider a secured product such as the Wells Fargo Secured Credit Card. And if prequalification is important to you, consider a provider with prequalification such as Chase or American Express.

Frequently asked questions

• What kinds of cards does Wells Fargo offer?

  You’ll find both cashback and travel cards. The Wells Fargo Propel American Express® Card is an excellent travel product with no annual fee. The bank also has a secured card and college card.

• Do Wells Fargo cards have signup bonuses?

  A few do. You’ll find traditional signup bonuses — for example, spend a certain amount within the specified time period to qualify.

  You’ll also find reward-accelerating signup bonuses. For example, the Wells Fargo Visa Signature® Card offers 5x points on up to $12,500 spent on gas, grocery and drugstore purchases for the first six months of card membership. After that and on all other purchases, you’ll earn 1x points.

• Why will my credit score drop after a hard pull?

  You’ll see a hard pull when you apply for credit. This slightly increases your risk profile as a borrower, as lenders may think you’re more likely to default on your bills or are desperate for credit.