How to activate a Wells Fargo credit card in few minutes

How to activate a Wells Fargo credit card in few minutes

How to activate a Wells Fargo credit card – Are you just getting started with Wells Fargo and want to explore the opportunities that abound in its digital solution?

If this feels like you, let’s just say you’ve arrived at the right spot where you’ll get acquainted with every fabric that will help you get started in one snap.

In this guide, you’ll get to understand the dynamics of Wells Fargo’s credit card, types, benefits, sign-up, and how to activate your card among several other areas of immense concern.


How Wells Fargo credit card work


Wells Fargo credit card provides a gateway through which you can complete your payments online with ease.

Depending on the credit card you choose, specific terms apply for different Wells Fargo credit cards.

However, to get started with a credit card you will need to sign up for one during which a credit limit is assigned to such a secured credit card with recourse to your credit history.


Cards are sent to your email on approval, and you are expected to get your card activated before you can put such a card into proper use moving forward.

Requirements for a Wells Fargo credit card


The Wells Fargo credit cards meet the lifestyle and tastes of various consumers, however, you are required to meet some eligibilities to get one, these include but are not limited to;

You must not have been operating another Wells Fargo card in the last 6 months before your current date of application.

You should have a FICO credit score of not less than 700, the higher the better your chances

You should have a strong and recommendable history with credit and debt.

Your name, address, and date of birth


A Social Security Number (SSN), and the applicant must be 18+ years and above.

Note: If you have a bad credit, you will need to improve it before you apply for a credit card with Wells Fargo, and here’s the best way to go about it.


Whether you have a Wells Fargo account or not, you can commence a credit card sign up process, however, a Wells Fargo account will give you additional opportunity to endorse a Wells Fargo check as well as other services.


Start making one-time or in-full payments on any debt you have outstanding, if you do not have an outstanding debt, you may have to sign on as an authorized user of a trusted family member’s card to enable you to improve your credit rating slowly.  


How to apply for a Wells Fargo credit card


 So you want to apply for a Wells Fargo credit card?

The first thing you will need to do is head over to Google/Apple Store and download the Wells Fargo app available for Android and IOS operating systems.

Having completed the downloaded and installed the app, launch the app to begin a tour around it.

Scroll down the app where you can see the option ”Find a credit card,” choose your preferred card from the types of credit card options listed.


Click on “Next” on the preferred card to start your application.

However, select from the options whether you are a Wells Fargo online customer or not, if you are simply enter your username and password.


If you are not, simply enter your first and last name, your home address, city, zip code, email, SSN, date of birth, your mother’s maiden name, and your country of citizenship.

After that type “Continue,” and you will have successfully applied for a Wells Fargo credit card.

How to Activate Wells Fargo Credit Card


Having applied for a credit card, most times you get a decision on the spot and your credit card application is approved and delivered through email immediately or within 3-4 business days.

The next thing you are required to do is get the card activated and start using it immediately.

You may activate your card through any of the below means;


  1. You can activate a Wells Fargo credit card online by logging into your Wells Fargo account, and visiting the activation page to get your card activated.
  2. You can activate your card through a phone call, kindly put a call to Wells Fargo at (877) 294-6933 or 1-877-294-6933 from your home to get the card activated.
  3. Scan the barcode with your phone to get the card activated
  4. You can activate the card by using it with your PIN at any Wells Fargo ATM.

Do I have to activate my new Wells Fargo credit card?

Your new credit card will be available for purchases after you have activated it, if you encounter problems while trying to activate your call, kindly reach out to customer service – at 1(800) 642-4720 for immediate assistance.

How do I know if my Wells Fargo card is activated?

The quickest way to know if your card is activated is to try and a purpose with it after it has been activated.

Can I activate the Wells Fargo credit card on the app?       

You can get your card activated in three ways; sign on to Wells Fargo online or from your Wells Fargo app, or you may have to call the toll-free phone number on the sticker attached to the front of your card.

How long does it take for Wells Fargo to approve a credit card?

In a situation you are not approved instantly you will be mailed a credit decision within 5-7 business days. If you are approved, you will receive a mail package with information aimed to help you better understand your credit report.


 You can apply for a Wells Fargo credit card and receive a decision within minutes, If you are not approved, the most likely reason may be linked to your credit score, you will be abreast in this direction.


You are advised to maintain a good credit score in preparation for your application, more so, be certain you have not operated an existing Wells Fargo card in the last 6 months preceding your application

Thereafter, you can activate your card on Wells Fargo online, phone call via the toll-free number, or on the mobile app.