The Wells Fargo Autograph Card is a great pick for anyone who wants to earn points on everyday purchases. With no annual fee and strong rewards in categories like dining, travel, gas, and streaming, it’s a solid choice for people who spend in the right areas.
But before you apply, it’s smart to know what credit score you’ll need—and what you can do to improve your chances of getting approved.
Recommended Credit Score for the Wells Fargo Autograph Card
Most approved applicants have a credit score of 700 or higher, which falls into the “good” to “excellent” credit range. That doesn’t mean it’s impossible to get approved with a slightly lower score, but the higher your credit score, the better your odds—and the more likely you are to qualify for a higher credit limit.
Wells Fargo also looks at other factors, including your income, debt-to-income ratio, and overall financial profile. If your credit score is borderline, paying down debt and maintaining a consistent payment history can help tip the scales in your favor.
How to Improve Your Odds of Approval
If you’re not quite at 700 yet—or just want to make your application stronger—here are some steps you can take:
Build a Strong Credit History
Issuers want to see a track record of responsible credit use. That means on-time payments, a mix of account types, and no recent delinquencies. The longer your history of good behavior, the better.
Show a Steady Income
Wells Fargo will consider your ability to repay what you borrow. A reliable income stream strengthens your application and shows that you can handle a new credit line.
Lower Your Credit Utilization
If you’re using more than 30% of your available credit, it could hurt your approval odds. Pay down balances to show you’re not overextended.
Space Out Credit Applications
Too many recent credit inquiries can be a red flag. Try not to apply for multiple credit products within a short window.
Check Your Credit Reports for Errors
Mistakes on your credit report can drag down your score unfairly. Review your credit reports regularly and dispute anything that looks incorrect or outdated.
Take Steps Now to Strengthen Your Credit
If your credit score isn’t quite where it needs to be, don’t wait to take action. Late payments, collections, and charge-offs can all be challenged—especially if they’re inaccurate. Credit Saint helps clients work through these issues and improve their credit standing.
They even offer a 90-day money-back guarantee, which makes it easy to get started. If you want a better shot at getting approved for the Wells Fargo Autograph Card, visit their website and take the first step today.
