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This question is about Wells Fargo Credit Cards
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Christie Matherne, Credit Card Writer
@christie_matherne
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Wells Fargo credit cardlimits aren’t particularly high; the minimum credit limit offered is $1,000, though some cardholders have reported receiving starting spending limits as high as $14,000. More specifically, the Wells Fargo Active Cash® Card, the Wells Fargo Reflect, and the Wells Fargo Autograph℠ Card offer a minimum credit limit of at least $1,000.
What you need to know about Wells Fargo credit card limits:
- Wells Fargo starting credit limit: It’s important to remember that $1,000 is the lowest credit limit you’ll start out with if you’re approved for an account. However, you could receive a higher limit.
The actual limit you’ll receive isbased onyour credit history, income, employment status, level of debt, and more. But you won’t know how much your credit limit will be until you’re approved. Wells Fargo does not publicly disclose its maximum credit limits. - Credit limit increase: If you accept the initial Wells Fargo credit limit offer, you canrequest an increase in your credit limitafter at least six months of timely payments. Also, after six months, Wells Fargo may review your account for an automatic increase.
Eligibility is based on things such as payment history and your total amount of debt. But there’s no guarantee when, or if, an automatic increase will occur. An automatic increase uses a soft inquiry, which means your credit score is not affected.
Ultimately, if you’re not a Wells Fargo loyal customer, you can check our editors’ latest picks for thebest high limit credit cardson the market to weigh your options.
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Jamie, Member
@cobaltbombshell
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I applied last night for their Reflect card and was approved with a $22,000 limit. My credit is okay but not amazing.
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William, Member
@sloss_william57
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I had 2 years good credit history when I applied and was given a $2500 limit. Two years credit history like I had when I applied for the Active Cash card is poor in a lenders eye. I usually pay the balance a couple three times a month to avoid running up a high balance so $2500 is OK by me. I don't intend to hound WF for more credit. I have another card from another bank and I was able to request a credit limit increase with them online. They denied my request stating I wasn't using as much credit as I could and I could not justify asking for more credit if I wasn't using what they gave me. I take it you really need to be running up a high bill each month and carrying a balance over to be eligible for a limit increase. I merely use my card to charge, not as another source of income. If WF thinks I need a higher limit they'll give me one.
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