The Wells Fargo Credit Cards is a personal credit card from Wells Fargo Credit Cards. Application typically pulls a hard report from Experian. The annual fee is $0 for many WF cards. The ongoing APR is Varies by card — e.g. 18.99%, 23.99%, 28.99% variable for the Active Cash card. Approval typically requires a credit score of 700+ or higher. Rewards: Varies by card (cash back, points, travel perks). 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.. Foreign Txn Fee: Depends on the specific card (some waive foreign t. Pre-qualification available (soft pull). Post-intro APR: Varies by card — e.g. 18.99%, 23.99%, 28.99% variable for the Active Cash card