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How to Get the Wells Fargo Secured Card Using Your ITIN
Wells Fargo offers a $0 annual fee secured card with deposits up to $10,000 — the highest limit secured card available to ITIN holders. Here is how to apply.
What You Need to Bring to the Branch
- ITIN letter (CP565 from the IRS)
- Valid passport
- Proof of US address: utility bill, lease agreement, or bank statement
- Deposit: $300 minimum (up to $10,000)
Step-by-Step Application Process
Step 1: Find a Wells Fargo Branch
Use the branch locator at WellsFargo.com. Schedule an appointment for “open a new account” or walk in.
Step 2: Tell the Banker Your Situation
Say: “I want to apply for a secured credit card. I have an ITIN number.” Wells Fargo trains staff to process ITIN applications.
Step 3: Provide Documents
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.
Step 4: Choose Your Deposit
Minimum $300, maximum $10,000. Your deposit equals your credit limit. A higher deposit means:
- Higher credit limit
- Easier to keep utilization under 10%
- Looks better on your credit report
Step 5: Wait for Approval
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.
Step 6: Receive Your Card
Card arrives by mail in 7-10 business days. Activate and start using.
Key Facts
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Deposit Range | $300 – $10,000 |
| Credit Check | Soft pull |
| Reports To | All 3 bureaus |
| ITIN Method | In-branch |
| Auto-Upgrade Review | After 12 months |
Pro Tips
- Open a checking account first — having a WF checking account makes credit card approval much easier
- Deposit from your WF account — shows you already bank with them
- Ask about pre-qualification — soft pull only, no score impact
- Start with $500+ if possible — $300 limit makes it hard to stay under 10% utilization
After 12 Months
Wells Fargo automatically reviews your account after 12 months. If you qualify for upgrade:
- Card becomes unsecured
- Full deposit refunded to your account
- Credit limit may increase
- Same account number (history preserved)
→ Compare all ITIN credit cards
📌 Ready to Apply?
Visit your nearest Wells Fargo branch with your ITIN letter, passport, and deposit.