How to Apply Online: Wells Fargo Credit Card

Are you interested in getting a Wells Fargo credit card and want to know how to do it online? Applying for a credit card online can be convenient and efficient, from the comfort of your home.

You will learn the key steps to apply for a Wells Fargo bank card on their online platform. Keep reading to learn how to take this important step towards strengthening your financial health.


Wells Fargo Cards and Their Benefits

Wells Fargo's different types of cards offer a unique set of advantages to suit various preferences.

Before deciding on a specific card, we recommend carefully analyzing the benefits it offers and choosing the one that best aligns with your financial goals and lifestyle.

Active Cash (Visa)

The Cash Back card allows you to earn cash back on your daily purchases. It is a popular choice for those looking to get something back from their regular spending.


This Wells Fargo Visa credit card offers a standout feature: a 2% cash-back reward. It allows you to earn a fixed percentage in cash for every purchase you make, regardless of the spending category.

Furthermore, the card also provides interest-free introductory periods for purchases and balance transfers.

Autograph (Visa)

The Autograph card gives you the opportunity to earn benefits in services and rewards. It's an option to consider if you're looking to maximize your earnings while managing your expenses.


You earn triple points in key categories such as restaurants, travel, gas stations, and transit services. Additionally, you receive this same benefit on streaming and phone plans.

Furthermore, the Wells Fargo Autograph credit card gives you the advantage of not paying interest in the first few months.

Bilt (Mastercard)

The Bilt card is designed to offer specific earnings on rentals. If you're a renter, this card could be an excellent way to earn additional benefits as you pay your rent.

One of its highlights is that it offers extra points on dining and travel expenses.

Furthermore, the Bilt card features a unique benefit: it does not charge annual fees for rental payment delays.

Reflect (Visa)

The Reflect card stands out for its interest accessibility. If you are looking for a card with a focus on reasonable interest rates, this option could be right for you.

Reflect offers you an initial period of 0% interest for the first 120 days from account opening.

The Wells Fargo Reflect credit card gives you access to My Wells Fargo Deals, a program that offers discounts and special offers in a variety of categories.

Choice Privileges (Mastercard)

The Choice Privileges card is affiliated with the Choice Hotels program. You can earn quintuple points when staying at Choice Hotels affiliated properties.

Additionally, you can earn triple points on purchases at gas stations, supermarkets, home improvement stores, and phone services.

Furthermore, the Choice Privileges Select card offers additional bonuses for an annual fee of $95.

Applying for a Wells Fargo Credit Card

Here are the steps to apply for a Wells Fargo credit card:

  1. Research and Compare: Before applying for a Wells Fargo credit card, research and compare the available options. Review the types of cards, benefits, interest rates, and associated fees. Understanding which card best fits your needs is a good starting point.
  2. Access the Wells Fargo Website: Visit the official website of Wells Fargo to start the application process. Make sure you are on the official site to avoid scams.
  3. Select the Card: Choose the card that aligns best with you. The 'Apply Now' option will be next to the chosen card.
  4. Complete the Online Application: Fill out the online application form with your personal, financial, and contact information.
  5. Additional Verification: Sometimes, the bank may require additional information or supporting documents before making a final decision. This may include a valid ID, your SSN, proof of employment, and proof of residence and address.
  6. Review Terms and Conditions: Before proceeding, carefully review the card's terms and conditions. This includes interest rates, fees, credit limits, and other important details. Understanding the key aspects will help you make informed decisions.
  7. Submit the Application: Submit the application once you consider it is ready. You often receive an on-screen confirmation that the application has been successfully submitted.
  8. Wait for a Response: After submitting the application, wait for the bank's response. It may take time to process the application and conduct a credit check.
  9. Accept the Offer: Review the offer details, such as the credit limit and terms, if you receive approval. If you agree, follow the instructions to accept the offer.
  10. Receive Your Card: Once the offer is accepted, your secured Wells Fargo credit card will be sent to the address you provided. Be sure to activate it following the instructions included in the package.

Rates and Fees

When it comes to APR interest rates, it's important to note that these can vary depending on the credit card and your credit situation.

On average, you can find a minimum rate of 18.24% and a maximum of 29.99%.

Additionally, it's worth mentioning that some cards charge an additional 3% for transactions made abroad and 5% for cash advances.


Phone: 1-800-642-4720

Address: 420 Montgomery Street, San Francisco



Wells Fargo credit cards offer a variety of options to meet different needs and preferences.

From cash-back cards to those with specific benefits on rentals or services, there are options for a wide range of users.

However, it is crucial to remember that choosing a Wells Fargo secured credit card should be based on a clear understanding of your own goals and circumstances.

Disclaimer: There are risks involved in applying for and using credit products. Make sure to review the bank's terms and conditions page before accepting anything.

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