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Check if you Pre-Qualify for a Stearns & Foster Credit Card issued by Wells Fargo1

Finance Options

Need help with your existing Wells Fargo Account?
Access your AccountContact Wells Fargo Bank, N.A. at 877-805-7744 or sign on at to manage your account.
Check if you're pre-qualified
without affecting your credit score.

Frequently Asked Questions

Our special financing offers are only available to consumers who have an approved Stearns & Foster credit card account. Apply now and receive a response within 45 seconds.
For a pre-qualification, Wells Fargo will conduct a soft pull on your credit using limited information provided by you to see if you have a pre-qualified offer available and how much you may qualify for, without impacting your credit score. In contrast, Wells Fargo will conduct a hard pull on your credit if you fill out an application and you will be required to provide more information such as your income and housing status. If approved, this line of credit is available for use immediately to place an order.
Yes, you can apply directly without first going through the pre-qualification process.
No, you are not guaranteed to be approved for the same credit limit. Pre-qualification lets you know roughly how much you might be able to borrow, using basic credit information, without impacting your credit score. Once you submit a full credit application, Wells Fargo will use additional financial information provided in your application and pull your credit report to make a credit decision. If approved, you will be given your credit limit which can be used immediately to place an order.
Pre-qualification uses limited information to pre-qualify you for credit. We still encourage you to apply, even if a pre-qualified offer was not found.
You may be approved for a different amount than you were pre-qualified for, based on additional information provided during the application. Plus, if you receive a credit limit less than your order total, you can call us at 844-483-4172 and discuss your options.
No, being pre-qualified does not result in a line of credit being opened. It lets you know roughly how much you might be able to borrow, using basic credit information, without impacting your credit score. To place an order using a line of credit, you must first apply and be approved for a Stearns & Foster credit card.
No, either of you can get pre-qualified on your own, but you would need to go to apply directly if you wanted to submit a joint credit application.
You can call Wells Fargo at 877-805-7744 and retrieve your credit card number, or you can wait for your card to arrive in 7-10 days.

1 The Stearns & Foster credit card is issued by Wells Fargo Bank, N.A. Special terms for 36 months apply to qualifying purchase of $1,000 or more charged with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. The information is accurate as of 09/01/2022 and is subject to change. For current information, call us at 1-844-483-4172. Offer expires 12/31/2024.

2 Monthly payment is based on purchase price alone excluding taxes and shipping. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.

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