Credit card: wellsfargo.com/mynewcard + reservation number
Reflect® and similar card kits — the code is required.
On Reflect® mailers, Wells Fargo prints a clear response path: wellsfargo.com/mynewcard, a reply-by date, and a line to use your Reservation Number. Fine print on the kit says you must use the personal reservation number to take advantage of the offer.
- 21 months of 0% intro APR on purchases and qualifying balance transfers from account opening (then a variable APR — kits have shown ranges such as 17.49%, 23.99%, or 28.24%).
- Balance transfers typically must be made within 120 days to get the intro rate; a 5% transfer fee ($5 minimum) applies on the pieces we reviewed.
- $0 annual fee on Reflect® in these mailers.
- Phone path on card kits: 1-866-412-5958 (hours on the letter).
Steps on the letter: scan the QR or go to mynewcard → enter your reservation number → apply by the reply-by date.
Personal loan: wellsfargo.com/preselectedloan — usually no offer code
Pre-selected loan kits look “coded” because of the QR. They are not.
Why this feels odd if you are used to other mailers
Upgrade, SoFi, Upstart, and Wells Fargo card kits train you to find a confirmation, reservation, or offer code. Wells Fargo personal loan prescreen letters we reviewed print no reservation number and no offer code at all. Response is: wellsfargo.com/preselectedloan, a QR to that flow, or the phone number on the letter (e.g. 1-855-324-9370). Searching for a “Wells Fargo personal loan offer code” often leads nowhere — because the kit never had one.
Typical claims on these loan mailers (always read your own disclosure):
- Pre-selected for a personal loan up to about $35,000 (amount is not a guarantee).
- Example headline APR on one kit: rates as low as 6.74% APR for a sample $10,000 / 3-year loan with a relationship discount — your rate may be higher.
- No origination or closing fees, no prepayment penalty on the pieces shown; terms often 12–84 months, minimum around $3,000.
- Copy states you can check personalized options online without affecting your credit score (soft path to view rates).
QR codes on Wells Fargo letters
Both card and loan kits use QRs. On card mailers the QR is meant to speed you into mynewcard (you still need the reservation number). On loan mailers the QR supports the preselectedloan path — not a hidden offer code.
Prefer reading the printed URL first. If you want the destination and parameters without trusting the code blindly, use the QR Inspector. On Reflect® kits, after you land on mynewcard you still enter the reservation number from the letter — or scan the full page with LendMail and we copy that number for you.
FAQ
Where is my Wells Fargo reservation number?
On credit card mailers (Reflect®), near the reply-by date and mynewcard instructions. Loan mailers typically do not include one.
Why doesn’t my Wells Fargo personal loan letter have an offer code?
By design on the kits we see: response is preselectedloan + QR or phone, not a typed reservation code. That is different from Upgrade/SoFi-style loan codes and different from Wells card kits.
Is wellsfargo.com/mynewcard or preselectedloan legit?
Yes — both are official Wells Fargo paths printed on the mailers. Match the host to what is on your letter; avoid lookalikes.
Does checking a pre-selected loan rate hurt my score?
Loan kits state that checking personalized options online will not impact your credit score. A hard pull generally comes if you proceed to full application and funding steps.