November 3, 2022
Rule retired (replaced by 6-month rule)
The Hotels.com card still showed the 15-month rule relative to a prior Hotels.com card.
Sources:doctorofcredit.com ↗
Documented rule history
Retired — last confirmed November 3, 2022Wells Fargo 15-month bonus rule
Is the Wells Fargo 15-month bonus rule still active? On our documented record it is retired, last confirmed November 3, 2022: Rule retired (replaced by 6-month rule). We have 4 dated, sourced changes on record since 2017. Statuses reflect documented confirmations, not live issuer policy.
Every documented change — newest first
October 5, 2019
Terms softened from "will not" to "may not" qualify
Doctor of Credit was unsure whether this was a real change or lawyer wording.
Sources:doctorofcredit.com ↗
January 30, 2018
Confirmed as a 15-month rule
Both places in the terms used 15-month language by this date.
Sources:doctorofcredit.com ↗
April 1, 2017
Rule first documented (16-month and 15-month language)
Date approximate (month only). Application terms stated that opening a Wells Fargo card within the prior 16 months disqualified the applicant from intro rates and bonus offers, with a 15-month version elsewhere in the terms.
Questions
Is the Wells Fargo 15-month bonus rule still active?
No — retired on our documented record, as last confirmed November 3, 2022: Rule retired (replaced by 6-month rule). Always verify before applying — issuers change unwritten rules without notice.
When was the Wells Fargo 15-month bonus rule first documented?
April 1, 2017: Rule first documented (16-month and 15-month language). Since then we have documented 4 changes, each dated and sourced on this page.
What changed most recently in the Wells Fargo 15-month bonus rule?
November 3, 2022 — Rule retired (replaced by 6-month rule). The Hotels.com card still showed the 15-month rule relative to a prior Hotels.com card.
Application rules are unwritten issuer policy; they change and get enforced without notice, and exceptions exist. Statuses reflect our last documented confirmation, not live issuer policy. Not financial or legal advice.
Cite this data
Bonus Eagle. “Wells Fargo 15-month bonus rule — The Application Rules Record.” bonuseagle.com. https://www.bonuseagle.com/rules/wells-fargo/15-month-bonus-rule
Data is free to use with attribution to bonuseagle.com.
All Wells Fargo rules: the full issuer page.