The Wells Fargo is a personal credit card from Wells Fargo. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.74%, 24.74% or 28.74% variable (terms correct as of September 2026) after a 0% intro APR for 12 months from account opening on purchases introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. Rewards: Unlimited 3X points on restaurants, travel, gas stations and transit, popular streaming services and phone plans; 1X points on other purchases. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: Wells Fargo enforces a 6-month rule (no new Wells Fargo card approvals within 6 months of your last Wells Fargo card opening). Wells Fargo pulls Experian as the primary bureau in most states..