The Wells Fargo is a personal credit card from Wells Fargo. Application typically pulls a hard report from Experian. The annual fee is $95. The ongoing APR is 19.74%, 25.74% or 28.74% variable (terms correct as of September 2026) after a 0% introductory rate. Approval typically requires a credit score of 670 or higher. Signup bonus: 60,000 bonus points when you spend $4,000 in purchases within the first 3 months. Rewards: Unlimited points: 5X on hotels, 4X on airlines, 3X on restaurants and other travel, 1X 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..