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There are various convenient methods available for checking the status of your Wells Fargo business credit card application. Whether through online means or other options, Wells Fargo provides an easy process for applicants to stay updated on the progress of their application. 

This guide will walk you through the process of checking the status of your Wells Fargo business credit card application. We will first cover the quick and easy online method, and then explore other options for obtaining this information.

How can I check my Wells Fargo business credit card application status?

Online method

  1. Access the Wells Fargo application status webpage: Visit the Wells Fargo website and navigate to the application status page specifically for business credit cards.
  2. Log in for existing users: If you are already registered with Wells Fargo Online, log in using your username and password.
  3. Use access code for new users: If you are not an existing online customer, locate the unique Access Code that was sent to your email after you submitted your application. You will also need to provide your last name, date of birth, and the last four digits of your Social Security number.
  4. View your application status: Once logged in, you'll be directed to a page where you can review the current status of your application and any necessary follow-up actions.

Phone method

  1. Prepare your information: Before calling, gather all necessary information including your application reference number (if available) and your Social Security number to verify your identity.
  2. Dial customer service: Call the Wells Fargo customer service line dedicated to credit card applications at 1-800-967-9521.
  3. Provide personal details: You will need to verify your identity by providing personal details such as your Social Security number and possibly the last few digits of your application number.
  4. Request application status: Ask the representative for a status update on your Wells Fargo business credit card application.
  5. Receive status information: The representative will inform you of the current status of your application, whether it's approved, pending further review, or if additional information is required.

Visit a branch

  1. Locate a nearby Wells Fargo branch: Use the Wells Fargo website or a map application to find the nearest branch location.
  2. Visit the branch: Go to the branch during its operating hours. It's a good idea to bring identification and any documents related to your application.
  3. Speak with a bank representative: Once at the branch, ask to speak with a representative about the status of your business credit card application.
  4. Receive your application update: The representative will provide you with an update on the status of your application.

How do I check the status of my Wells Fargo business line of credit?

To check the status of your Wells Fargo business line of credit, you can either log in to your Wells Fargo Online account using your username and password or use the Access Code sent to your email after application submission. This Access Code, along with your last name, date of birth, and the last four digits of your Social Security number, will allow you to access detailed information about your application's progress. For those not registered for online banking, an email containing the Access Code serves as the primary means to securely check the application status online​.

Does Wells Fargo give instant credit card approval?

Wells Fargo does offer the possibility of instant approval for their credit cards. This means that when you apply for a Wells Fargo credit card online, you could receive a decision within minutes. However, receiving instant approval is not guaranteed for every application. Once approved, it typically takes about 7 to 10 business days for the card to be delivered to you.

Why is my credit card application pending?

When your credit card application status is "pending," it means the issuer needs more time to review your submitted information. This typically occurs when further verification of personal or financial details is required, or during high application volumes.

Several factors can extend this review, such as your credit history, the precision of the application data, and internal delays within the issuer's processes.

Common reasons for pending applications include:

  • Incomplete application: Missing or incorrect details need correcting.
  • Credit review: Additional time is required to thoroughly assess your credit history, especially if discrepancies exist or your credit score is borderline.
  • Verification steps: Additional measures to confirm your identity, income, or employment may be necessary.
  • Fraud checks: To prevent fraud, issuers conduct detailed reviews which can delay processing.
  • Operational delays: High application volumes, technical issues, or internal policies might also cause delays.

Get approved for a Ramp card in 1-3 days on average

Ramp's card, ideal for businesses, requires no credit check or personal guarantee, usually leading to an approval within a day. Additionally, the card includes advanced spend management capabilities and unlimited free physical and virtual employee cards. 

More features of the Ramp card include:

  • No annual fee: Start using Ramp's corporate card and expense management software at no cost.
  • Expense management tools: Enforce spending limits, automate receipt collection, and simplify expense reporting.
  • Accounting integrations: Ramp integrates with major accounting software like QuickBooks, Xero, Sage Intacct, and NetSuite to help you close your books up to eight times faster.

Disclaimer: Content on Ramp's blog may change, and opinions are those of the authors and not necessarily Ramp's. The information in this article is provided in good faith for general informational purposes, but does not constitute accounting, legal, or financial advice. Please contact an accountant, attorney, or financial advisor to obtain advice with respect to your business. Ramp is not liable for any losses or damages.

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Finance Writer and Editor, Ramp
Ali Mercieca is a Finance Writer and Content Editor at Ramp. Prior to Ramp, she worked with Robinhood on the editorial strategy for their financial literacy articles and with Nearside, an online banking platform, overseeing their banking and finance blog. Ali holds a B.A. in Psychology and Philosophy from York University and can be found writing about editorial content strategy and SEO on her Substack.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.


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