WellsFargo.com/MyNewCard | Reservation Number
wellsfargo.com/mynewcard is designed for customers who have received a pre-selected credit card offer in the mail. The process is for applying for a specific Wells Fargo credit card by entering a reservation number, not for activating a card you already possess.
Using the reservation number
- Access the website: Go directly to wellsfargo.com/mynewcard as it appears on your mail offer.
- Enter your reservation code: You will be prompted to enter a reservation number or invitation code found on the mailer. This code helps Wells Fargo quickly pull up the specific offer you received.
- Confirm information: The application will likely have some of your information pre-filled based on the reservation number. You will need to confirm its accuracy and provide additional personal and financial details.
- Submit application: After reviewing the pre-selected offer's terms and conditions, you can submit the application.
- Receive a decision: While your pre-selection suggests you are likely to be approved, it is not a guarantee. Wells Fargo will conduct a full credit review before making a final decision.
Information needed beyond the reservation number
In addition to the invitation code, the online application will require the standard information for any credit card application:
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to verify your identity and credit history.
- Income information, including your total gross annual income and employment status.
- Personal details, such as your date of birth, current address, and contact information.
What to know about mail offers
- Not a guarantee: A pre-selected offer is an invitation to apply, not a final approval. Wells Fargo reserves the right to deny the application based on its final review of your credit history and current financial standing.
- Check the expiration date: Mail offers for credit cards typically have an expiration date. Make sure to apply before the offer expires to ensure you receive the advertised terms.
- Soft vs. hard inquiry: The process of receiving a pre-selected offer generally involves a soft pull on your credit report, which does not affect your score. However, when you complete and submit the application, it will result in a hard inquiry, which may temporarily impact your credit score.
Before You Accept Offer
It is always a good idea to compare offers from competing banks and other sources before accepting a specific offer, including one received through wellsfargo.com/mynewcard. This targeted offer might be good, but it is not necessarily the absolute best option for your individual needs and financial situation.
There are the key factors to compare beyond just the sign-up bonus. Below are offers that might better suit your individual needs and financial situation:
Other Credit Cards You May Be Eligible For
0% intro APR on balance transfers for 21 months and on purchases for 12 months. No annual fee.
Apply NowEarn 20,000 bonus ThankYou® Points after $1,000 spent in first 3 months. 0% intro APR for 15 months. No annual fee.
Apply NowEarn 75,000 bonus ThankYou® Points after $6,000 spent in first 3 months. $595 annual fee. No foreign transaction fees.
Apply Now5% cash back on gas at Costco, 4% on other eligible gas & EV charging. No annual fee with Costco membership.
Apply NowEarn 60,000 bonus ThankYou® Points after $4,000 spent in first 3 months. $95 annual fee.
Apply NowEarn 60,000 American Airlines AAdvantage® miles after $4,000 in purchases. $350 annual fee. No foreign transaction fees.
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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*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.
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