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Rules · Wells Fargo

Wells Fargo application rules

Wells Fargo has 2 application and bonus rules worth knowing before you apply: 2 are in Wells Fargo's own terms.

  • One card every 6 monthsIn the issuer's terms

    Wells Fargo may decline a new card if you opened a Wells Fargo card in the last 6 months, and pays welcome bonuses at least 6 months apart across its cards.

  • 48 months on the same cardIn the issuer's terms

    You may not get a Wells Fargo card's bonus if you have that card or opened it in the last 48 months.

Issuers can approve, decline or withhold a bonus for any reason. These rules describe what usually happens, not a promise of what will. Last verified September 26, 2026.