{"id":159,"date":"2026-05-15T15:30:57","date_gmt":"2026-05-15T19:30:57","guid":{"rendered":"https:\/\/www.us.eloanex.com\/how-to-apply-for-wells-fargo-secured-card-with-itin\/"},"modified":"2026-05-15T15:30:57","modified_gmt":"2026-05-15T19:30:57","slug":"how-to-apply-for-wells-fargo-secured-card-with-itin","status":"publish","type":"post","link":"https:\/\/www.us.eloanex.com\/es\/how-to-apply-for-wells-fargo-secured-card-with-itin\/","title":{"rendered":"How to Apply for Wells Fargo Secured Card With ITIN"},"content":{"rendered":"<h2>How to Get the Wells Fargo Secured Card Using Your ITIN<\/h2>\n<p>Wells Fargo offers a $0 annual fee secured card with deposits up to $10,000 \u2014 the highest limit secured card available to ITIN holders. Here is how to apply.<\/p>\n<h2>What You Need to Bring to the Branch<\/h2>\n<ul>\n<li><strong>ITIN letter<\/strong> (CP565 from the IRS)<\/li>\n<li><strong>Valid passport<\/strong><\/li>\n<li><strong>Proof of US address:<\/strong> utility bill, lease agreement, or bank statement<\/li>\n<li><strong>Deposit:<\/strong> $300 minimum (up to $10,000)<\/li>\n<\/ul>\n<h2>Step-by-Step Application Process<\/h2>\n<h3>Step 1: Find a Wells Fargo Branch<\/h3>\n<p>Use the branch locator at WellsFargo.com. Schedule an appointment for &#8220;open a new account&#8221; or walk in.<\/p>\n<h3>Step 2: Tell the Banker Your Situation<\/h3>\n<p>Say: &#8220;I want to apply for a secured credit card. I have an ITIN number.&#8221; Wells Fargo trains staff to process ITIN applications.<\/p>\n<h3>Step 3: Provide Documents<\/h3>\n<p>The banker will copy your ITIN letter, scan your passport, and verify your address. They enter your ITIN where the system normally asks for SSN.<\/p>\n<h3>Step 4: Choose Your Deposit<\/h3>\n<p>Minimum $300, maximum $10,000. Your deposit equals your credit limit. A higher deposit means:<\/p>\n<ul>\n<li>Higher credit limit<\/li>\n<li>Easier to keep utilization under 10%<\/li>\n<li>Looks better on your credit report<\/li>\n<\/ul>\n<h3>Step 5: Wait for Approval<\/h3>\n<p>Wells Fargo does a soft credit pull (no impact on score). If you have no credit file, they may approve based on your banking relationship. Decision: same day to 3 business days.<\/p>\n<h3>Step 6: Receive Your Card<\/h3>\n<p>Card arrives by mail in 7-10 business days. Activate and start using.<\/p>\n<h2>Key Facts<\/h2>\n<table>\n<tr>\n<th>Feature<\/th>\n<th>Details<\/th>\n<\/tr>\n<tr>\n<td>Annual Fee<\/td>\n<td>$0<\/td>\n<\/tr>\n<tr>\n<td>Deposit Range<\/td>\n<td>$300 &#8211; $10,000<\/td>\n<\/tr>\n<tr>\n<td>Credit Check<\/td>\n<td>Soft pull<\/td>\n<\/tr>\n<tr>\n<td>Reports To<\/td>\n<td>All 3 bureaus<\/td>\n<\/tr>\n<tr>\n<td>ITIN Method<\/td>\n<td>In-branch<\/td>\n<\/tr>\n<tr>\n<td>Auto-Upgrade Review<\/td>\n<td>After 12 months<\/td>\n<\/tr>\n<\/table>\n<h2>Pro Tips<\/h2>\n<ul>\n<li><strong>Open a checking account first<\/strong> \u2014 having a WF checking account makes credit card approval much easier<\/li>\n<li><strong>Deposit from your WF account<\/strong> \u2014 shows you already bank with them<\/li>\n<li><strong>Ask about pre-qualification<\/strong> \u2014 soft pull only, no score impact<\/li>\n<li><strong>Start with $500+<\/strong> if possible \u2014 $300 limit makes it hard to stay under 10% utilization<\/li>\n<\/ul>\n<h2>After 12 Months<\/h2>\n<p>Wells Fargo automatically reviews your account after 12 months. If you qualify for upgrade:<\/p>\n<ul>\n<li>Card becomes unsecured<\/li>\n<li>Full deposit refunded to your account<\/li>\n<li>Credit limit may increase<\/li>\n<li>Same account number (history preserved)<\/li>\n<\/ul>\n<p><a href=\"\/es\/itin-credit-cards\/\">\u2192 Compare all ITIN credit cards<\/a><\/p>\n<p><a href=\"\/es\/banks-no-ssn\/\">\u2192 All banks that accept ITIN<\/a><\/p>\n<p><a href=\"\/es\/how-to-build-credit-from-zero-with-an-itin-complete-2026-guide\/\">\u2192 Full credit building guide<\/a><\/p>\n<div style=\"background:#f8f9fa;border:1px solid #e9ecef;border-radius:10px;padding:20px;margin-top:40px\">\n<h3 style=\"margin-top:0\">\ud83d\udccc Ready to Apply?<\/h3>\n<p>Visit your nearest <a href=\"https:\/\/www.wellsfargo.com\" target=\"_blank\" rel=\"nofollow\"><strong>Wells Fargo<\/strong><\/a> branch with your ITIN letter, passport, and deposit.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>How to Get the Wells Fargo Secured Card Using Your ITIN Wells Fargo offers a $0 annual fee secured card [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[17],"tags":[],"class_list":["post-159","post","type-post","status-publish","format-standard","hentry","category-itin-credit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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