Learn How to Apply Online for Wells Fargo Credit Card

Traveling offers incredible opportunities to immerse in new cultures and traditions, enhancing your life. That's why many globetrotters pair their adventures with a travel credit card.


The Wells Fargo credit card is an ideal companion for your journeys. Especially the Wells Fargo Autograph Card, designed with frequent travelers in mind, comes packed with features and perks to elevate your travel experience.

Are you interested in this Wells Fargo credit card? The article below provides detailed insights and guidance on how to apply for it.


What Do You Have to Consider When Choosing a Travel Credit Card?

Diving into the options can feel overwhelming when pondering a new travel credit card. 

Here's a streamlined guide to making an informed choice, particularly if you're eyeing a card like the Wells Fargo Autograph Card.


Avoid Unwanted Charges

The journey begins with understanding the fees. Many cards tack on charges for international spending. 

Aim for a card, such as the Wells Fargo Autograph Card that keeps your travels cost-efficient by eliminating those pesky fees.

Amp Up Your Rewards

It's not just about accumulating points or miles; it's about how those rewards align with your lifestyle. 

Look beyond the basics to find a program that doesn't just reward you, but motivates you to make the most of your card.

Unlock Exceptional Perks

The Wells Fargo Autograph Card doesn't stop at rewards. 

It unlocks a suite of benefits for its users, from welcome bonuses to comprehensive travel insurance and coveted airport lounge access. 

These features are what set it apart, ensuring your travel credit card does more than just save you money—it enhances your travel experience.

Rewards That You Can Earn

Unlock a world of rewards with the Wells Fargo Autograph Card. Every purchase brings you closer to amazing perks.

Earn Points

Dining out, traveling, or grocery shopping? Earn 3 points for every dollar spent in these categories. 

This extends to your favorite streaming subscriptions, mobile plans, and even your daily commute.


You're still in for a treat for all other purchases—earn 1 point per dollar spent. The rewards don't stop there. 

Kickstart your journey with a whopping 20,000 bonus points by spending $1,000 within the first three months of account opening.

Redeeming Your Rewards for Maximum Benefit

Turn your points into valuable rewards through the Wells Fargo Reward portal. Whether you're planning your next getaway or looking for a special gift, your points can be exchanged for hotel stays, flights, or gift cards.

Alternatively, use your points as a statement credit to reduce your credit card balance, or apply them towards a Wells Fargo loan. For added convenience, you can even use your points directly at select online stores to lower your shopping bill.

Make the most of your Wells Fargo Autograph Card and enjoy the benefits of your well-earned rewards.

Qualifying for a Wells Fargo Credit Card

Securing a Wells Fargo credit card demands adherence to certain standards. Your eligibility hinges on these crucial factors:

  • Age and Residency: Applicants must be 18 or older and reside in the U.S.
  • Credit History: A solid credit score is essential, showcasing your financial reliability.
  • Income Verification: Evidence of consistent income is necessary to confirm your ability to repay.
  • Legal Status: A valid Social Security number or taxpayer identification number is required.

Online Application Guide 

Follow these simple steps in applying for a Wells Fargo credit card:

  1. Head to the Wells Fargo website and navigate to the credit card section to start your application process.
  2. Pick a credit card that aligns with your financial goals and requirements from the variety of options provided.
  3. Fill in the required fields on the application form accurately to ensure a smooth process.
  4. Once you've submitted your application, sit tight and wait for Wells Fargo to review your details and make a decision.

To ensure a smooth application process, have the following documents at hand:

  • Personal Identification: A government-issued ID or a driver's license is necessary for identity verification.
  • Proof of Income: To prove your financial stability, be prepared to present recent pay stubs, tax returns, or bank statements.
  • Residential Proof: A utility bill or a lease agreement can serve as proof of your current residence.
  • Credit Information: If required, be ready to provide details about your credit history to assess your creditworthiness.

Wells Fargo Card Choices

Wells Fargo provides a diverse selection of card options to suit different preferences. 

Pick the one that fits your lifestyle best.

  • Rewards Cards: Perfect for accumulating points on your spending.
  • Balance Transfer Cards: Great for consolidating and handling current debt.
  • Student Cards: Tailored for young individuals establishing their credit.
  • Secured Cards: An excellent choice for individuals with a sparse credit history.

Interest Rates and Other Fees

When applying for a Wells Fargo Credit Card, you'll find that it's designed to minimize your expenses while maximizing rewards. 

This card waives the annual and foreign transaction fees, providing a cost-effective way to enjoy travel perks. For the first year, you'll benefit from a 0% introductory APR on purchases. 

Afterward, the APR adjusts to a variable rate between 20.24% and 29.99%, based on your credit score. 

Other Fees

Balance transfers come with an introductory fee of $5 or 3% of the transfer amount, which later changes to 5% or a minimum of $5. 

Be mindful of late payments, as they incur a penalty fee of up to $40.

Contact Details

For questions regarding the Wells Fargo credit card, reach out to their customer service at 00 800 9564 4422

A representative will assist you with any inquiries and ensure you receive the necessary support. If you're considering the Wells Fargo Autograph Card, they can also guide you through the application process. 

Alternatively, you can visit their headquarters located at 420 Montgomery Street, San Francisco, CA 94104.

How to Apply for the Wells Fargo Autograph Credit Card

To apply for the Wells Fargo Autograph Credit Card, you have two options: online or in-person at a Wells Fargo branch.

Online Application:

  • Gather Necessary Documents: Ensure you have your proof of identity (like a passport) and proof of income (such as a salary slip or bank statement). Be prepared to provide additional documents if requested.
  • Visit the Official Website: Go to the Wells Fargo website and select the Wells Fargo Autograph Card. Familiarize yourself with the card details and benefits.
  • Fill Out the Application: Click on "Apply" and complete the online form. Double-check all information and the terms and conditions before submitting.
  • Wait for a Response: After submission, wait a few days for your application to be processed. You can call the provided number for updates or wait for an email notification.
  • Card Activation: Once approved, you'll receive your card in the mail. You can activate it by logging into your account on the Wells Fargo website or by visiting a branch. After activation, your card is ready for use.

In-Person Application:

Visit your nearest Wells Fargo branch and speak with a representative to start the application process. They will guide you through the necessary steps and help you with any questions you may have.

Frequently Asked Questions

Here are some common questions and their answers to help you use your card wisely and responsibly.

  • What do I need to apply?: You must be at least 18 years old, have a valid Social Security Number (SSN) or Tax Identification Number (TIN), and meet the requirements for creditworthiness and income.
  • How long does approval take?: While approval times can vary, you can typically expect a response within a few days to a couple of weeks.
  • Can I apply with someone else?: Yes, applying with a co-applicant with a good credit score might boost your chances of getting approved.
  • What if my card is lost or stolen?: If this happens, contact customer service right away to report it and get a replacement card.
  • How can I get a higher credit limit?: After using your card responsibly, you can ask for a credit limit increase, usually after six months to a year.
  • Is there a charge for transferring balances?: Yes, there's usually a fee for balance transfers, often a percentage of the amount transferred.
  • How do I use my reward points?: You can use your points through the bank's portal for travel, gift cards, or cash-back rewards.
  • Are there charges for using my card abroad?: This varies by card. Some cards may have fees for transactions made outside the U.S.
  • Can I shop online with my card?: Yes, you can use your card for both in-store and online purchases.
  • What if I miss a payment?: If you miss a payment, you might face late fees, increased interest rates, and a potential impact on your credit score.


Traveling can be costly, but having the right credit card can make a big difference. 

The Wells Fargo Autograph Card offers perks that can enhance your journey and help you save. 

Consider applying for this card today to start enjoying its benefits!