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Can you prequalify for Wells Fargo credit cards?

Wells Fargo currently doesn't accept prequalification requests.

Updated

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Prequalification can be useful if you want a better idea of where you stand on a credit application. While you can’t get prequalified for a Wells Fargo card, you can potentially get a preapproval letter.

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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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.

Data indicated here is updated regularly
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
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.
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
$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
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
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.
Wells Fargo Platinum Card
N/A
0% intro for the first 18 months (then 15.49% to 24.99% variable)
$0
Enjoy a 18 months intro APR period on purchases and balance transfers.
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
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.
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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.

What’s the difference between a soft pull and a hard pull?

In a soft pull, a lender conducts a background check to see if you might be right for one of its products. This doesn’t affect your credit.

A hard pull is a credit check lenders use when you apply for a credit product. It will typically lower your credit score slightly. This is a normal part of a credit application, and your score will rebound as you consistently make on-time payments.

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.

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