Documented rule history
Active — last confirmed February 16, 2026Is the Wells Fargo 48-month rule (Wells Fargo) still active? On our documented record it is active, last confirmed February 16, 2026: Per-card 48-month bonus language documented on Active Cash. We have 1 dated, sourced change on record since 2026. Statuses reflect documented confirmations, not live issuer policy.
Every documented change — newest first
February 16, 2026
Per-card 48-month bonus language documented on Active Cash
Date approximate; reflects the guide's date, not the terms change. Sources are tier-3; tier-1 dating not found. Active Cash terms deny intro APR, fee, and bonus offers to anyone who has or opened that card within 48 months, while Choice Privileges cards keep a 15-month window.
Questions
Yes — active on our documented record, as last confirmed February 16, 2026: Per-card 48-month bonus language documented on Active Cash. Always verify before applying — issuers change unwritten rules without notice.
February 16, 2026: Per-card 48-month bonus language documented on Active Cash. Since then we have documented 1 change, each dated and sourced on this page.
February 16, 2026 — Per-card 48-month bonus language documented on Active Cash. Date approximate; reflects the guide's date, not the terms change. Sources are tier-3; tier-1 dating not found. Active Cash terms deny intro APR, fee, and bonus offers to anyone who has or opened that card within 48 months, while Choice Privileges cards keep a 15-month window.
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.
Bonus Eagle. “Wells Fargo 48-month rule (Wells Fargo) — The Application Rules Record.” bonuseagle.com. https://www.bonuseagle.com/rules/wells-fargo/48-month-rule-wells-fargo
All Wells Fargo rules: the full issuer page.
