Rules · Wells Fargo · Welcome bonus eligibility
Wells Fargo: 48 months on the same card
You may not get a Wells Fargo card's bonus if you have that card or opened it in the last 48 months.
In the issuer's terms The issuer states this, in a card's terms or an official statement.
What counts, and what doesn't
Applies to: Wells Fargo consumer cards
- Frequent Miler notes a shorter window, 15 months, on the Choice Privileges card.
Sources
- Thrifty Traveler: Credit card application rules, bank by bank (Jan 2026)
- Frequent Miler: Complete guide to credit card application rules by bank (Feb 2026)
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.
More Wells Fargo rules
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.