Wells Fargo Credit Cards for Bad Credit
If you are looking for Wells Fargo credit cards for bad credit, Wells Fargo does not currently offer a credit card specifically designed for people with bad credit. Wells Fargo currently offers unsecured credit cards, but its credit cards are generally intended for people with stronger credit profiles. If you have bad credit and are looking for a credit card that does not require a security deposit, there are other options specifically designed for people rebuilding their credit.
Affiliate Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. If you click on a link, when an application is approved, or when an account is opened, we may earn a commission. We are independently owned, and the opinions expressed here are our own.
Does Wells Fargo Have a Credit Card for Bad Credit?
No. Wells Fargo does not currently offer a credit card specifically designed for people with bad credit. Wells Fargo does offer a range of unsecured credit cards, but its current credit-card lineup is not specifically targeted toward people with damaged credit.
Wells Fargo's own credit guidance places a FICO® Score below 580 in its poor range and states that people in this range may have difficulty obtaining unsecured credit. This is important to understand if you have bad credit because a Wells Fargo credit card may require a stronger credit profile than you currently have.
Does Wells Fargo Offer a Secured Credit Card for Bad Credit?
No. Wells Fargo currently lists its consumer credit cards as unsecured credit cards, rather than offering a secured credit card specifically for people with bad credit. A secured credit card requires a refundable security deposit, which typically serves as security for the account.
If you specifically want a credit card from a major bank and are willing to make a security deposit, Capital One offers secured credit cards for people building or rebuilding their credit. The Capital One Platinum Secured and Capital One Quicksilver Secured both require refundable security deposits and offer different features.
You can see the deposit requirements and other details in our Capital One Credit Cards for Bad Credit page.
What If You Have Bad Credit and Don't Want a Security Deposit?
If you have bad credit and do not want to put money down as a security deposit, you can also consider unsecured credit cards specifically designed for people with less-than-perfect credit. These cards do not require a security deposit to open the account.
We have put together a list of Bad Credit Credit Cards With No Deposit that includes five unsecured credit card options that do not require a security deposit.
What Are the Best Pre-Approved Credit Cards for Bad Credit?
Our two selections are Ollo Everyday Rewards Mastercard® and OneMain BrightWay® Card. Both offer a way to check for a pre-approved offer without an initial impact to your credit score, and both are unsecured credit cards.
The Ollo Everyday Rewards Mastercard® has a $0 annual fee, offers cash back rewards, and provides an opportunity for an automatic credit-line review in as little as six months. The OneMain BrightWay® Card offers 1% cash back and provides an opportunity for a credit-limit increase or APR decrease in as little as six months, subject to the card's requirements.
After more than 25 years of reviewing credit cards, we selected these two cards based on their fees, features, pre-approval options, and how the accounts are structured compared with many other cards available to people with bad credit.
You can see the complete details of both cards on our Best Pre-Approved Credit Cards for Bad Credit page.
Found this guide helpful? Save this for later as you continue your financial journey!
Compare a variety of credit card offers.
FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.