Confirmation Wells Fargo 1/15 rule for subs is gone?

[KillingThemGingerly]

I am thinking about applying for the Wells Fargo Active Cash but after scouring the internet, including these forums, I cannot for the life of me tell if the rule where WF only will offer the welcome bonus sub if 15 months has passed since your last welcome bonus still applies. I've read that it may only apply to the Autograph? Or something about a Choice Hotel card? 

It's quite confusing and wish I could get a concrete answer. The last card I applied for/was approved for was the WF Autograph back in December of 2022 (1+ year ago). I wouldn't want to apply and get the Active Cash if I would not be eligible for the welcome sub. Can anyone shed some more light or data points on this for me?

[tcbofade]

As of a few months ago, it still applies.

The good news is that if you choose to apply, a pop up window will open explaining that you are not eligible for the sign on bonus BEFORE you actually submit the application.

Yes, it applies across all of Wells Fargo credit cards.

More good news... you're at 13 months... almost there!

Good luck!

[KillingThemGingerly]

---

@tcbofade wrote:

As of a few months ago, it still applies.

The good news is that if you choose to apply, a pop up window will open explaining that you are not eligible for the sign on bonus BEFORE you actually submit the application.

Yes, it applies across all of Wells Fargo credit cards.

More good news... you're at 13 months... almost there!

Good luck!

---

Thanks for your reply. Hmm, I clicked on apply without actually applying and didn't get any pop up window and I also didn't see anything in the terms or conditions that mentioned the 15 month rule (granted I could have easily overlooked this). Since I was applying through the Wells Fargo app that already knows I have a WF card opened in Dec 2022, it would be nice if the app was smart enough to pick up on this and not show the sub bonus when I click to apply for other cards. At what point does the pop up window you speak of typically pop up? 

[LADave]

I did get two WF SUBs in the span of a year between 2021-22 for Active Cash and Autograph.

I did see this on the Autograph application terms and conditions just now: 

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

IIRC WF used to have a rule about time between SUBs that was abandoned when Autograph came out (it's been a while). If they do in the future, it will probably be noted in the application terms and conditions.

[KillingThemGingerly]

---

@LADave wrote:

I did get two WF SUBs in the span of a year between 2021-22 for Active Cash and Autograph.

I did see this on the Autograph application terms and conditions just now: 

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

IIRC WF used to have a rule about time between SUBs that was abandoned when Autograph came out (it's been a while). If they do in the future, it will probably be noted in the application terms and conditions.

---

I know most people have an Active Cash already and then open am Autograph but I am going in reverse order. I did a second look at the terms and conditions and still didn't see any language about not being able to get a sub bonus again for a certain period of time. I should probably just call and inquire further. 

[KillingThemGingerly]

---

@KillingThemGingerly wrote:

---

@LADave wrote:

I did get two WF SUBs in the span of a year between 2021-22 for Active Cash and Autograph.

I did see this on the Autograph application terms and conditions just now: 

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

IIRC WF used to have a rule about time between SUBs that was abandoned when Autograph came out (it's been a while). If they do in the future, it will probably be noted in the application terms and conditions.

---

I know most people have an Active Cash already and then open am Autograph but I am going in reverse order. I did a second look at the terms and conditions and still didn't see any language about not being able to get a sub bonus again for a certain period of time. I should probably just call and inquire further. 

---

Update: I did call and speak to someone in customer service. He said that is was accurate you weren't eligible for another sub bonus for 14 months (not 15). He didn't seem so sure either honestly though. I dislike how opaque Wells Fargo seems to be about this rule. Again, if it is still true for the life of me I cannot find reference to it in the current terms and conditions when going to apply. 

[LADave]

---

@KillingThemGingerly wrote:

---

@KillingThemGingerly wrote:

---

@LADave wrote:

I did get two WF SUBs in the span of a year between 2021-22 for Active Cash and Autograph.

I did see this on the Autograph application terms and conditions just now: 

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

IIRC WF used to have a rule about time between SUBs that was abandoned when Autograph came out (it's been a while). If they do in the future, it will probably be noted in the application terms and conditions.

---

I know most people have an Active Cash already and then open am Autograph but I am going in reverse order. I did a second look at the terms and conditions and still didn't see any language about not being able to get a sub bonus again for a certain period of time. I should probably just call and inquire further. 

---

Update: I did call and speak to someone in customer service. He said that is was accurate you weren't eligible for another sub bonus for 14 months (not 15). He didn't seem so sure either honestly though. I dislike how opaque Wells Fargo seems to be about this rule. Again, if it is still true for the life of me I cannot find reference to it in the current terms and conditions when going to apply. 

---

I've never heard of a 14 month rule. And I wouldn't be satisfied at all with answers from a bank operator who sounds like they might be winging it. If you ever get an operator like that, ask them to look it up or for someone higher up.

I did find this thread I started in July 2022 when Wells Fargo took off language from their website about a 15 month rule and replaced it with their 6 month rule:

https://ficoforums.myfico.com/t5/Credit-Cards/Wells-Fargo-15-month-bonus-rule-now-kaput/td-p/6564015

As far as I'm concerned, there isn't a 14 or 15 month rule unless and until Wells Fargo definitively says otherwise. Their only rule is for 6 months, which is plainly given on their website. And given how much more frequently they've been releasing credit cards since 2021, I'd be very surprised if they were even considering going longer than 6 months.

[KillingThemGingerly]

Yeah I think I'll call back sometime soon because he for sure did not seem confident in his answer.