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Q&A: What is the credit score required for Wells Fargo® credit cards?

Updated on January 8, 2024

Question: What is the credit score required for Wells Fargo® credit cards?

Answer: Wells Fargo has a range of credit cards, each with its own set of perks and requirements. When it comes to the credit score needed for their cards, it can vary based on which specific card you’re eyeing. But let’s break it down a bit.

Generally, for most Wells Fargo credit cards, you’ll want to have a good to excellent credit score. This typically means somewhere in the ballpark of the mid-600s to the 700s and above. For their more premium cards, which come with more perks and rewards, you might need to be on the higher end of that range or even above.

For example, cards like the Wells Fargo Platinum card might have slightly more lenient requirements, possibly accepting scores in the mid to upper 600s. But for something like the Wells Fargo Propel American Express card, which offers a bunch of rewards, you might need a score in the 700s.

But here’s the kicker: your credit score isn’t the only game in town. Wells Fargo, like other lenders, will also peek at other aspects of your financial life. This includes your income, employment status, overall debt, and how you’ve managed credit in the past. All these pieces come together to paint a picture of your creditworthiness.

If you’re thinking about applying, it’s always a smart move to first check your credit report. Make sure everything’s in order, and you know where you stand. Remember, applying for a credit card results in a hard inquiry on your credit report, which can give your score a tiny dip. So, it’s best to apply when you’re feeling pretty good about your chances.

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  • Stilt, Inc. and its affiliates do not provide financial, tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own financial, tax, legal and accounting advisors before engaging in any transaction.

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    Frank Gogol

    I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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