Wells Fargo Activate Card – Wells Fargo Card Guide
Wells Fargo, being one of the largest banks in the U.S., has more than $1.9 trillion in assets and about 4,700 locations. So, there’s a chance that you have one close to you.

Screen capture from wellsfargo.com
Just like every other bank, Wells Fargo wants your business and offers a lot of account bonuses to improve your savings. It offers savings accounts, checking accounts, loans, credit cards, and brokerage services.
Also, you get to enjoy online and in-person banking services. Hence, you can bank anywhere and anytime.
However, in this article, we are going to focus on activating the Wells Fargo credit card. Now, let’s get started. Going forward, we will take a detailed look at the following broad topics that will help you grasp the concept of this topic.
Wells Fargo Credit Cards
Presently, Wells Fargo’s best promotions are for its credit card offers. It offers five credit cards option, each having its own perks. For example, with an Active Cash Card, you can get unlimited 2% cash rewards on purchases.
Wells Fargo primarily issues MasterCard and Visa cards. There are also credit card options for small business owners, consumers, and college students. Its credit cards options fall under the following categories:
- Student credit cards
- Cash back
- Small business cards
- Flexible points
- Secured credit cards
- Balance transfer credit cards
Best Wells Fargo Credit Cards
Wells Fargo offers the following credit cards:
Wells Fargo Active Cash® Card
This credit card is best for Wells Fargo shoppers or mortgage holders. On every purchase, you earn unlimited 2% cash back and a $200 cash rewards bonus after you spend $1,000 in the first 3 months you got your card.
Active cash bonuses include services that help you book travel, entertainment, and dinner reservations.
There’s a $0 annual fee, and 0% intro APR for the 15 months of opening your account on qualifying balance transfers and purchases, after 18.74%, 23.74%, or 28.74% variable APR.
When you use an Active card to pay your phone bill, you get up to $600 of protection against theft or damage. You can redeem rewards in person, online, or via phone.
Wells Fargo Business Platinum Credit Card
This is the best business credit card from Wells Fargo; it offers cash back, no annual fee, and 0% intro APR for 9 Months.
When you register for Wells Fargo Business Platinum Credit Card and you spend $3,000 in the first 3 months, you will earn a one-time $300 cash-back perk or 30,000 bonus points.
Select a reward: Cashback or Reward points. The cashback: For every $1 spent, you earn 1.5% cashback.
While the reward point option allows you to get 1 point on every $1 spent and also earns 1,000 perk points when your organization spends $1,000.
Other credit cards Wells Fargo credit card
- Wells Fargo Business Elite Signature Card
- com® Rewards Visa® Credit Card
- Wells Fargo Autograph℠ Card
- Wells Fargo Reflect® Card
- Bilt World Elite Mastercard®
Apply For Wells Fargo Credit Card
If you wish to apply for a Wells Fargo credit card for small business owners or consumers, you need a credit score of 670 FICO and above.
Note that Wells Fargo does not offers cards to consumers with low credit score, that is below 670 FICO, or consumers with no history.
You will need the following to apply for a Wells Fargo consumer credit card:
- Name and address
- Valid email address
- Phone number
- SSN
- Date of birth
- Employer name and phone number
- Employment status
- Mother’s maiden name
- Housing status
- Total annual income
How to Activate My Wells Fargo Credit Card
In spite of the type of Wells Fargo credit card you receive, you have to activate the card first. Use the steps below to get it done.
Online
To activate your credit card online, go to the Wells Fargo website. On the activation page, select ‘Personal’ and ‘Credit Cards.
At the right side of the screen, click ‘Credit Card service and select ‘Confirm credit card. Once you are done, follow the steps below:
- Input your credit card number
- Then, enter CVV or the 3-digit number behind your credit card
- Enter your date of birth and the last four digits of your SSN to confirm your identity.
- Tap ‘Confirm’
Follow the instructions on the next page to complete the process.
By Phone
You can also choose to call Wells Fargo on phone to activate your credit card. Use this number (800) 642-4720 to call the credit card account management.
Also, your new credit card has a sticker, which has a phone number. You can call the number to verify your credit card. Remove the sticker when you have activated your card.
Wells Fargo Mobile App
You can download the Wells Fargo app on your Android and Apple devices. With the app, you can perform several banking tasks like making transfers, bill payments, depositing, getting alerts, and more.
Download and install the app from Google Play or Apple app store, and login into your Wells Fargo online account.
But if you do not have an online account, go to Wells Fargo online and select ‘Enroll’ below the login. Follow the prompt on the screen to confirm your identity and create your username and password.
Then log into the app and choose the right credit card from the list given. Click on ‘Activation’ to complete the activation process.
Wells Fargo Customer Service
- TTY: 1-800-877-4833, available 24/7
- Wells Fargo Online: 1-800-956-4442 24 available 24/7
- Request a new or replacement debit card, report a lost/stolen debit card, or for debit card questions 1-800-869-3557
- Wells Fargo Redeem Rewards 1-877-517-1358
Other Credit Card Options
- Discover IT
- Chase Freedom
- Gold Amex Reward
Frequently Asked Question
How to get a Wells Fargo Card Replacement?
To replace your Wells Fargo card replacement, go to the Wells Fargo help desk or contact 1-800-869-3557.
How do I activate my new Wells Fargo card?
To activate your new Wells Fargo credit card, go to the Wells Fargo activation page and follow the prompts on-screen.
How long do I have to activate my new Wells Fargo credit card?
You have 120 days to activate your new credit card, according to Wells Fargo. . You have to verify it before you can use it.
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