How Can I Activate My Wells Fargo Credit Card? – 5 Easy Methods

You are going to activate Wells Fargo credit card in five different ways. First, know What type of card is it? And what are its facilities? Basically, it’s a purchase and payment card. With this physical credit card, you can make payments and purchase anything online. I found a list of 13,000 Wells Fargo ATMs available in the US. You can access your accounts at ATM Booth and get cash, make deposits, transfer money. It is a well-known company in San Francisco, USA. Without activating credit card, you can’t use this card. Let’s see how can i activate my wells fargo credit card.

Activate Wells Fargo Credit Card

With many branches spread throughout other states in America, it offers community services including banking, financial services, investments, insurance. One report says 10% of small businesses use Wells Fargo’s financial service. For customers, they recently started the latest mobile banking services. Wells Fargo is always aware of customer satisfaction; that’s why they ranked their position at the top. You are a lucky person to be a member of Wells Fargo family.

Activate Wells Fargo Credit Card

Things to Know about Wells Fargo Credit Card Activation

Wells Fargo Card’s Apply Process

Wells Fargo Card applying process is tricky There are some criteria for getting an introductory bonus to qualify for this card. In my opinion, you should check their official website or check the introductory bonus requirement of Wells Fargo Credit cards before hooking up to apply process. You can also apply with requirement documents from your nearest branches. After accepting the application, they will send it to you via email, or attach the phone number and name you previously provided to the envelope. The card is usually shipped within 6 to 10 days.

However, there are several ways of Wells Fargo Card Activation. In this article, i will explain five steps to do this successfully.

How Do You Qualify for Wells Fargo Credit Card

There are few factors to consider when applying for a Wells Fargo credit card. No doubt it has the best option on the market. Interested users can apply for a new credit card but make you fill up all Wells Fargo requirements to improve the chance of getting approved for this card.

Wells Fargo Credit Card Requirements

Here are the following requirements you have to meet.

  • Good Credit: Wells Fargo suggests acquiring 700+ FICO® Score in order to apply for a credit card. Though, there is no complete clarification about minimum score but it seems applicants require a good or excellent score to get approved for this.
  • Stable Income: A consistent income source is necessary to get approved for any credit cards. Wells Fargo wants to see proof and form of income. So, they can go to the next step to give you a credit card.
  • Social Security Number: SSN or Social Security Number is also necessary. Though it is optional. You can give a Taxpayer Identification Number (ITIN) number, if you haven’t SSN.
  • US Address: According to Federal regulations, you must use a valid mailing address not a PO Box. 
  • Residential: You Must be a resident of United States

Note: If you have an existing Wells Fargo bank account, it would be great. Though, it is not required to have a credit card. But having a bank account can raise hands with all approval odds.

Also Read: Top 10 Free Virtual Bank Account No SSN Required

3 Basic Rules of Wells Fargo Application

Wells Fargo provides different types of debit and credit cards to users. A common rule in Wells Fargo that applies for all cards. That is a “Welcome Offer” from any card within 15 months. Welcome offer refers to a special offer that is applied for a particular time frame. Such as-

  • Sign-up bonuses
  • 0% intro APR offer
  • Free discounts

Once you get a Welcome Offer in any card from Wells Fargo, you are not able to get it again within another 15 months. Let’s clarify the matter. Suppose, you have got the Sign-up bonus, so you can’t have 0% APR within 15 months. That means, only one bonus per credit card in 15 months. This rule is applied for all cards even if you close the card.

How to Get Pre-Approved for Wells Fargo Credit Card

Pre-approve technique means you can get approval before the actual period. Can’t understand? Let’s see. Wells Fargo unveils a tool, where you can see, are you eligible for pre-selected credit cards. It will take less than a minute to check and don’t worry, it doesn’t hamper your credit score. Here’s how to do it.

After successfully submitting this form, Wells Fargo will touch if you are eligible for pre-selected card offers. This pre-selected offer runs based on your current information, if everything is OK, you have a high chance of getting approved for the card. Though, no guarantee that you will get the car with this process but checking out for this offer might not be a great hassle.

If you are not eligible for a pre-selected offer still you could apply for a Wells Fargo card and get approved. With a good and excellent credit score, try applying again for it.

3 Simple Tips to Improve Credit Score for Wells Fargo Credit Card

  • Always clear all payment on time
  • Reduce credit card debt
  • Check your credit report daily

How to Apply for Wells Fargo Credit Card

Before getting a Wells Fargo credit card, users must apply for this. The application process is super handy. Here’s how to do it.

  • Go to Wells Fargo card page
  • Here you will see various cards such as Active CashSM, ReflectSM,® Rewards Visa®, Bilt Mastercard®. Choose your preferred one.
  • Then tap on “Apply Now”
  • Then fill out all necessary information on this page
  • Then “Submit”
  • Now follow on screen instruction
  • Your application is pending. Now wait for approval

How to Check Wells Fargo Credit Card Application Status

To check Wells Fargo credit card application status, you either use an online web page or you can do it by phone. If you are an old Wells Fargo customer, access the application status page by putting username and password. Your First-Last name, Date of Birth, Social Security Number, and access code from email, all the information are necessary elements. Either you want to call or check via webpage, you have to fill up that information accurately. Here’s how to do it.

  • By Phone: Wells Fargo official phone number is (800) 967-9521. It is open between 5.00 AM and 7.00 PM, Monday to Friday. Additionally, consider using an automated system. When it says “Check the status of my application.” Enter your Social Security number.
  • Online: Go to Wells Fargo application status page. Use login credentials to check application status. Other necessary information are Your First-Last name, Date of Birth, Social Security Number, and access code from email.
  • Email: When you previously submitted the application. You may see “Check Your Application Status Now”. Tap on it to see the application status.

Your credit card will arrive within 10 business days, if Wells Fargo application is approved. If, unfortunately, they rejected the application, you will get a proper explanation in mail, why they rejected.

Requirements to Activate Wells Fargo Credit Cards

Basic information is necessary, if you want to activate the Wells Fargo credit card.

  • Remember using all credentials you use when opening Wells Fargo account
  • To activate the card, use the registered number (Wells Fargo phone number you’ve used before). Then call at 1-877-294-6933 and complete the conversation with a representative.
  • Cardholders must need to use registered number during the process of activating through phone or using a quick activation link
  • Additionally, cardholders can use Wells Fargo ATM in order to activate. Remember to use PIN code that time

How to Activate Wells Fargo Credit Card in 5 Methods

The following points may be required for the next steps

  • Official name, Date of birth, Social security number
  • Physical Credit card.
  • Account number.
  • Verification code
  • Credit card number.

Method 1

Activate Through Website

This is another simple method to activate Wells Fargo credit card. The following steps show how to do that online through their official website.

How Can I Activate My Wells Fargo Credit Card
Source: Wells Fargo Official Website
  • Go to Activation Link
  • You have to fill all the credentials by logging in to your created accounts username and password
  • Navigate the card section from the dashboard and follow the instructions
  • Now fill blanks with the Card number, Social Security Number, Card Expiry Date, Card Holder name according to the card.
  • Finally, submit the activation request by clicking “Activate now” or “Activate my card” option from bottom section.
  • Then, you will be notified about the successful activation.

Now you are like a free bird; you can use this card without any hassle.

Method 2

Activate Through Calling in Wells Fargo Department

If you don’t want to use a PC or mobile phone, there is another activation way. This is simple and straightforward, but it takes more time compared to other methods. Follow my instruction below.

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  • To activate Wells Fargo credit card through phone, this customer service number 1-877-294-6933 can help you out there.
  • Dial the same number; you will be touched with an executive who will ask you some queries that are relating to your cards and documents.
  • You can be sure about excellent and fascinating service from a service representative; they are much more capable of fixing your problem.
  • If you have any suggestions, queries, questions, tell them. They eagerly hear customers’ feedback, compliment, complaint that helps improve limitations in the future.

By following the above procedure, you will get your activation process complete.

Method 3

Activate Through Wells Fargo Mobile Apps

This is an activation process through mobile apps. Let’s take through Wells Fargo credit card activate method in Mobile apps currently suited for Android and iOS. Follow the onscreen instruction; may you require some valid details that will go you in activation space.

Download the required apps before going to activation process.

Apps make our life easier; instantly, you can manage your Wells Fargo account. The following things you will be able to operate through Wells Fargo app.

Account Management

  • Quick access Cash, Credit, and Investment.
  • Review activities, Balance in the account.
  • Credit card transaction results.
  • Easy replacement of credit/debit cards.

Deposit Checks

  • You can use your phone camera to deposit checks quickly.
  • Views for deposit processing in your account.

Make Transfer and Payments

  • Quickly can transfer money from Wells Fargo to other bank accounts.
  • Use Zelle’s email or phone number to send and receive funds with friends.
  • Use Wells Fargo Bill Pay Program to pay your bills.

Investments Track

  • Track Balance, Holdings, Account, Activity.
  • Get real-time Charts, Quotes, Market info, News.

Method 4

Activate Through Wells Fargo ATM Booth

Very few people know about this cool method of activating credit cards. Though, it is not the most convenient method at all. But, you can try it once. Two things you may require to show off in front of service holders at the ATM Booth. These are.

  • Wells Fargo Credit Card itself
  • Pin Number of Credit Card


If you have forgotten your PIN-code and need a new one, bring the card with identification to Wells Fargo Branch or contact through official phone number (1-877-294-6933) to request for a new PIN which is usually generated by the system.

Remember, your card will not get a PIN code. For security, they will send cards and PINs separately. After accumulating these two things, you should use any Wells Fargo ATM. To activate this card, you must use it once with a valid PIN in any ATM Booth. Then it will automatically be activated.

Method 5

Activate From Wells Fargo Branch

Lastly, Wells Fargo Branch can help you for sure. Go to the branch with your credit card and required documents you used before, such as identification cards, documents, etc. Then talk about your activation issue; they will do it without any complications on behalf of you.

Wells Fargo Credit Card Pros and Cons


  • It is the fourth largest bank in the world and considering as a United States fourth largest bank as per Total Asset’s market value
  • It is most visible and most prominent appearance in the US, which consist of 6000 branches and 13000 ATMs


  • If you haven’t any ATM nearby, you will be charged $ 2.50 to check your account.
  • No best rates in deposits

Keep Your Wells Fargo Credit Card Safe Once You Activate.

Once activated, please make sure your credit card is safe and secure in a safe place. Now you have much knowledge about operating Wells Fargo cards, but there are several ways to protect it.

  • So, first, make sure you turn on “Suspicious Activity” alerts. If anything goes wrong in your account, such as a vast amount of purchase without your permission, Or out of state shopping, immediately, this alert will contact you to verify the purchase.
  • Never share your credit card details, and make sure that you keep your contact information up to date with the card issuer so that you can be informed of any unauthorized conduct on the card.
  • Check account status frequently and see if any disallowed purchase happens on it. If you find any problem, contact the issuer immediately to report.
  • Use the card for online purchases on secure websites and never log in to your account when connected to public or out wi-fi. Avoid giving credit card numbers even in online merchant stores.

If you can protect yourself from fraud and identity theft, knowing that you have significantly reduced your chances of becoming a victim and you will likely sleep better at night.

How to Activate Wells Fargo Debit Card in Just 3 Methods

As like Credit card from Wells Fargo, It is also easy to activate a debit card. 

  • Download and Install Wells Fargo Mobile® app.
  • Activate debit card using Online page
  • Or Call at wells fargo credit card activation phone number 1-877-294-6933 from your registered phone number
  • Also you can activate this card at ATM with your PIN code

Frequently Asked Question –  FAQ

How do I activate my Wells Fargo debit card online?

Easily, you can activate a Wells Fargo debit card online by using Wells Fargo app or call at -294-6933 from your registered phone. You can also use the ATM method to activate this card. But, in this case, you may need to enter a PIN code.

How do I activate my Wells Fargo credit card?

To activate a credit card from Wells Fargo, be ready with a full card number and verify your identity through the phone. The Wells Fargo credit card activation phone number is 1-877-294-6933. If you use the official Wells Fargo app, you have to use login credentials in order to activate the card.

How long after activating a debit or credit card can I use it?

There is no certain time. That means, you can use this card immediately after successfully activating. If you feel confused about this matter, contact a representative. They are free 24/7. Dial this number 888-751-9000 or visit Wells Fargo agent bank during lobby hours.

Is Wells Fargo a good credit card?

Wells Fargo’s best credit card is the Wells Fargo Propel American Express® card since it has a $0 annual charge plus an initial incentive of 30,000 points ($300) to spend $3,000 in the first three months. If you want 0 percent APR, the Platinum Card will be best for you.

What happens if I never activate a credit card?

Your account will be deemed open from the day you are approved to use the card. If you don’t activate it, the account will remain open, but you will not be able to transfer or pay.

How long do I have to activate a credit card?

As far as I know, Total activation process will take less than five minutes. Then you will be able to use your credit card anywhere freely.

Does an inactivated credit card hurt my score?

Credit card lenders may check your credit if they check. This kind of rigidity will reduce your credit score by five points or less. But it will affect only the first year; after two years, it will disappear from the credit report.

Bottom Line

Here I have outlined five useful tips about “How Can I Activate My Wells Fargo Credit Card”. Choose any of the methods according to your preference. I hope you will successfully do your work. I recommend using Mobile apps or website methods because that will be time-saving. At the same time, I also answered some frequently asked questions about Wells Fargo Credit Card. I hope this answer will clarify all your doubts. Goodbye for today, see you someday with more hot topics.