2024 Wells Fargo Credit Card Limit Info (2024)

Wells Fargo credit cards credit limits can be quite high, depending on your credit standing; 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.

Things 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 is based on your 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 can request an increase in your credit limit after at least six months of timely payments. Wells Fargo may also review your account for an automatic increase after 6 months.
  
  Eligibility is based on things such as payment history and your total amount of debt. However, 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 the best high limit credit cards on the market to weigh your options.