What credit score do I need for the Wells Fargo autograph?



Wells Fargo’s latest introduction is the Wells Fargo Autograph Card, a rewards credit card for the most popular categories consumers typically spend on. Anyone looking for a credit card with no annual fee and the chance to earn 3X on major categories like restaurants, travel, gas stations, public transport, popular streaming services and bundles phone calls, should consider applying.

But before applying, it helps to know what Wells Fargo Autograph credit score is required. Learn more about the new card and how to improve your chances of approval.

Wells Fargo Autograph Card Overview

Wells Fargo’s latest addition to its credit card portfolio is designed to meet the ever-changing needs of its customers. As mentioned, the Wells Fargo Autograph Card helps cardholders earn 1X on spend plus 3X high points on everyday spend categories including dining, travel, gas stations, transit, services popular streaming services and phone plans.


The inconvenients

  • May be difficult for those with lower credit scores to qualify

What credit score is needed for the Wells Fargo Autograph card?

To be approved for the new Wells Fargo Autograph card, you will need to have good to excellent credit.

To see your chances of being approved, visit the Wells Fargo credit card offers page and enter your information to find out. The inquiry will not affect your credit score, but will give you an idea of ​​where you stand with Wells Fargo. Once you have completed the application, Wells Fargo will tell you which cards you are likely to be approved for and your credit limit amount. If you see the Wells Fargo Autograph credit card in the offers, just click on the link to apply. Remember that once you have officially applied, Wells Fargo will conduct a thorough investigation of your credit history, which may temporarily affect your credit score.

What is a good credit score?

When trying to determine the Wells Fargo Autograph credit score required to be approved, check your credit report. A score of 670 or higher is generally considered a good credit score. Here is more information about FICO score ranges:

  • Good credit: 670 to 739
  • Very good credit: 740 to 799
  • Excellent credit: 800 to 850

It’s pretty safe to say that you could probably be approved for almost any standard credit card with excellent credit. However, there are no guarantees. Other factors could be at play and affect your chances of approval.

How to Improve Your Chances of Card Approval

If you’re ready to add the Wells Fargo Autograph Card to your portfolio but your FICO score could be improved, there are some steps you can take before applying.

  • Check your credit score: You’ll want to know where you stand so you can track your progress while working to improve your credit score.
  • Carefully review your credit report: Be sure to review your credit report carefully. If you see errors or accounts you don’t recognize, contact the credit bureau to resolve the issue.
  • Pay your cards on time: Make sure you make your card payments – and any other loans – on time. Otherwise, late payments could be reported to the credit bureau and end up affecting your credit score.
  • Do not apply for other credit cards or loans: To improve your credit score before applying, avoid any new applications. Each time a company pulls your credit report, your score may temporarily drop.
  • Pay off your balances: One of the main factors affecting your credit score is your rate of credit utilization. Avoid maxing out your credit cards or it could negatively impact your score.
  • Keep your current credit cards in good standing: Keep your existing credit cards. The longer you have them, the better. Closing a credit card could lower your overall credit limit and the length of your credit history, two categories that could affect your credit.

What happens if you are declined for a Wells Fargo autograph card?

If Wells Fargo denies your application, you are entitled to a free credit report to see why you were denied. Review your credit report and make sure all information is correct, including your name, past addresses, accounts, and payment history.

If you find any errors, report them immediately to the credit bureaus. Note that updating the credit report correctly can take some time, but it’s worth it – it can improve your credit score if there was incorrect information about your credit usage.

You can also try to appeal the decision by contacting Wells Fargo, especially if there was incorrect information on your credit report.


The Wells Fargo Autograph Card stands out for having no annual fee, an attractive sign-up bonus of 30,000 reward points after spending $1,500 on purchases in the first three months, and the ability to earn triple on some of the most popular expense categories. You can redeem rewards as statement credits or apply points for purchases at participating merchants or for travel, entertainment, merchandise and more on the Wells Fargo Rewards® portal. Before applying, check the Wells Fargo offers page to see if you’d be approved for the card, and keep in mind that you’ll need a good to excellent credit score.

Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, criticisms, evaluations or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed or otherwise endorsed by Wells Fargo.

Information is accurate as of July 11, 2022.

Our in-house research team and on-site financial experts work together to create accurate, unbiased and up-to-date content. We verify every statistic, quote and fact using trusted primary resources to ensure that the information we provide is correct. You can read more about GOBankingRates processes and standards in our Editorial Policy.


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