The Tempur-Pedic Credit / Financing (Wells Fargo / Fortiva) is a personal credit card from Tempur-Pedic Credit / Financing (Wells Fargo / Fortiva). Application typically pulls a hard report from Experian. The annual fee is $0 — no annual fee. The ongoing APR is 28.99% after a 0% introductory rate for 36 months. Approval typically requires a credit score of 700+ or higher. Rewards: — (Store financing, not rewards). 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.. Pre-qualification available (soft pull)