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With a good credit score and responsible spending habits, pre-approving a credit card can be an easy way to gauge your chances of being approved or denied for a card. Pre-approval does not guarantee approval, but it can help avoid the serious investigation shown on your credit file from an application. Wells Fargo sends prequalification offers to eligible consumers by mail or email. You can check if you are shortlisted for a credit card by visiting the Wells Fargo website.

Which Wells Fargo credit cards offer pre-approval?

Wells Fargo credit cards may not offer as wide a selection as other popular banks, but despite the smaller product portfolio, several decent rewards cards can be lucrative options for consumers and small businesses. businesses.

The Wells Fargo Autograph℠ card is the latest addition to their lineup and the first card they have issued in partnership with Visa. Cardholders earn 3 points per dollar on restaurants, travel, gas stations, public transportation, popular streaming services, and phone plans. Plus, earn 1 point per dollar on other purchases. Points are redeemable for travel, gift cards and reimbursement for purchases made with the Autograph card. Plus, new cardholders are eligible to earn 30,000 bonus points when you spend $1,500 on purchases in the first 3 months.

If you’re looking to transfer a balance as a way to pay off debt over time, the Wells Fargo Reflect® Card offers a 0% introductory APR for 18 months from account opening on purchases and transfers of eligible balances. An intro extension APR of up to 3 months with minimum on-time payments during the intro and extension periods is available. A variable APR of 15.24% to 27.24% then applies. Balance transfers made within 120 days are eligible for the introductory rate and 3% fee, then a balance transfer fee of up to 5%, min $5 applies.

Wells Fargo doesn’t specify whether or not a card is eligible for pre-approval on its site, but you’ll know if you’ve been pre-screened if you receive an offer in the mail or by email.

How credit card pre-approval works

Receiving pre-approval means that you have been deemed eligible for a credit card based on the personal and financial information the bank has about you. Pre-approval requests do not require a thorough credit check, which can negatively impact your credit score if too many requests are made in a short period of time.

Sometimes credit card issuers or banks actively contact eligible people using mail or email offers. Banks receive your information from credit card bureaus like Experian, TransUnion or Equifax, which maintain lists of potential cardholders based on criteria required by the bank. You can withdraw from pre-selected offers.

Some credit card issuers offer pre-approval tools on their websites. Applicants can complete pre-approval forms independently before applying for the card. Knowing which credit cards you are likely to qualify for without formally applying and receiving a credit report request can be beneficial to your shopping experience.

How to Get Pre-Approved for Wells Fargo Credit Cards

The Wells Fargo website offers a screening tool so you can see if you have already been identified as a potential eligible cardholder based on information provided by the credit bureaus. This differs from a pre-approval request, where the card issuer may request your annual income and monthly expenses to quickly determine if you qualify for a credit card.

Current Wells Fargo customers may have a better chance of being screened. If you currently have a credit card, checking or savings account, retirement account, or existing loan, you can log into your account online and see if you’ve been shortlisted.

You can also respond to an offer that you have received by post or e-mail. Simply follow the instructions in the letter of offer to learn more. Always be sure to read the fine print of any agreement before applying for or officially using a card for which you have been approved.

How to Increase Your Chances of Getting Pre-Approved

Whether you’re applying for pre-approval or being pre-screened by a card issuer, you can make your card shopping experience easier and less stressful by knowing which credit cards you qualify for.

The best chances of getting pre-approved come with good spending habits: don’t spend more than you can afford, pay every bill on time, and keep your card balances low. If you follow these basic rules, your credit score will likely increase, your credit report will be read better by lenders, and you’ll be more likely to prequalify for credit cards with more lucrative rewards and better benefits.

Recommended Credit Scores for Wells Fargo Credit Cards can help you understand which cards you are most likely to receive as a result of an application. Income increases can also improve your chances of getting pre-approved for a credit card because lenders use your income as part of calculations to determine if you can afford to pay off debt.

Pre-approval is not a guarantee of approval. A card issuer can still deny your application if your creditworthiness or financial situation deteriorates between the time you receive a pre-approval offer and the time you submit a formal application. Sometimes it is better to apply immediately after receiving a pre-screening offer.


Buying credit cards can be stressful, but pre-approval tools can make the process more reassuring. Wells Fargo can send you an offer by mail or email if you’ve been pre-screened for a credit card, but the issuer doesn’t host a traditional pre-approval tool on its website. Instead, you can see if the company has already screened you. Following a prequalification offer, be sure to apply only for the specific credit cards you need. Each application may create additional inquiries on your credit report and may temporarily lower your credit score.


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