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 18.49%, 24.49% or 28.49% variable APR thereafter after a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: $200 cash rewards bonus when you spend $500 in purchases in the first 3 months. Rewards: Unlimited 2% cash rewards on purchases. Cash back: 2% unlimited cash rewards on 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.. [SOFT PULL ONLY] | Pre-qualification available (soft pull) | EXPERT REFERENCE (Sep 2025): Conservative limits and account closures for long-time customers. | EXPERT REFERENCE (Sep 2025): Accounts closed with vague 'risk management decision' emails. | EXPERT REFERENCE (Apr 2025): The One Key Card offers up to a $30,000 limit before approval with NO Docs. | EXPERT REFERENCE (Apr 2025): Pre-approval is available without a hard credit pull, using a soft pull from Early Warning Services. | EXPERT REFERENCE (Apr 2025): The card offers $300 in OneKeyCash after spending $1,000 in the first 3 months. | EXPERT REFERENCE (Apr 2025): No annual fee and no foreign transaction fees. | EXPERT REFERENCE (Apr 2025): Earn 3% back on Expedia, Hotels.com, and Vrbo bookings, gas stations, grocery stores, and restaurants; 1.5% back on everything else. | EXPERT REFERENCE (Apr 2025): Includes travel perks like trip cancellation, car rental insurance, and cell phone protection. | EXPERT REFERENCE (Apr 2025): The One Key+ Card has a $99 annual fee and offers $400 in OneKeyCash after spending $3,000 in the first 3 months. | EXPERT REFERENCE (Apr 2025): Earn 2% back on non-bonus purchases. | EXPERT REFERENCE (Apr 2025): Includes a $100 OneKeyCash anniversary bonus and a $100 credit for TSA PreCheck or Global Entry.