Wells Fargo Credit Card Features and Services

Stay on top of your finances with a Wells Fargo Credit Card

Your Wells Fargo Credit Card makes it easy and convenient to take control of your money and keep track of spending — with multiple layers of protection to give you extra peace of mind.

Pay Bills Automatically

Your Wells Fargo Credit Card makes bill paying easier and more secure. It’s fast, safe, and, best of all, there's no extra charge. You don’t have to sign up through Wells Fargo for this service — just contact your service providers and provide them with your Wells Fargo Credit Card information to set it up.

  • Save time and stamps by mailing fewer checks.
  • Automate your monthly payments.
  • Get automatic protection against unauthorized transactions as long as you report them promptly.
  • Track monthly bill payments online with My Spending Report with Budget Watch.
  • Earn rewards when you pay your recurring bills using your Wells Fargo Credit Card with a rewards feature.

Find out where you can use your credit card to pay your bills:

Visa Cardholders

MasterCard Cardholders

Visa® payWave

Wish you could speed through the checkout line faster? A Wells Fargo Credit Card with Visa payWave is a fast, easy way to pay. Simply wave your card in front of the reader at checkout and you're done — no cash or card-swiping necessary. There's no signature required for most purchases under $25, and no need to wait for a receipt — although you can still ask for one anytime.

Look for the payWave symbol at convenience stores, movie theaters, quick-service restaurants, and more. You can also use this card at millions of traditional terminals that don’t yet accept payWave payments.

Wells Fargo employs a range of protective measures to create a multi-layered defense against fraud. Each payWave transaction goes through a special authorization process, and your information can only be read when you wave the card directly in front of a reader. Plus, the card also contains the built-in protection of the Zero Liability program, which ensures that you won’t be held responsible for unauthorized transactions when you report them promptly. Additionally, Wells Fargo provides regular fraud monitoring services.

If you already have a Wells Fargo Credit Card, call 1-800-642-4720 to request the payWave feature.

Balance transfers

You could pay less interest by transferring balances from other higher-rate cards to a Wells Fargo Credit Card. You may be able to lower your overall monthly payments and turn multiple bills into one easy payment.

If you already have a Wells Fargo Credit Card, sign on to check if you have a balance transfer offer.

If you don’t have a Wells Fargo Credit Card yet, learn more about all our credit card products and you can request to transfer a balance when you apply. All credit cards are subject to credit qualification.

Alerts

With alerts, it’s easy to stay informed about your eligible Wells Fargo Credit Card accounts. You decide what alerts you want to receive, and we’ll send you the alerts you’ve signed up for to the email addresses you provide or the mobile device you indicate.

Alerts can be sent when:

  • Your credit card account exceeds an activity limit that you choose.
  • Your available credit drops below a certain amount.
  • Your credit card payment is due.
  • A payment has posted to your account.

Your alerts will also be available to you within your Wells Fargo Online® session in your secure Messages & Alerts inbox, where you'll also find answers to questions you've emailed us. You can add new alerts or change your preferences anytime.

Already have online access to your accounts? Sign on to Wells Fargo Online and click the Messages & Alerts tab to add or change your account alerts.

If you haven't signed up yet, you'll need online access to an eligible Wells Fargo banking account and a valid email address. Sign up for Wells Fargo Online.

Rapid Alerts for Visa® cardholders

Get near real-time, informative alerts via text message or email.

How can free Rapid Alerts help you?

  • Be in the know. Monitor your spending with quick text notifications.
  • Stay within your budget. Track purchases with limits you set.
  • Keep your account secure. Get notified whenever certain transactions occur.

What Rapid Alerts are available?

Get quick text notifications on your mobile phone of:

  • Declined transactions
  • Gas charges at the pump
  • Foreign transactions
  • Cash withdrawals at ATMs
  • Online, phone, or mail purchases
  • Purchases exceeding a set amount

Update your preferences

Add and remove Rapid Alerts preferences, update your phone number, and more — anytime you like.

Ready to get started? Sign On to online banking and set up Rapid Alerts.

My Spending Report with Budget Watch

Create a budget, take control of your spending, and track your progress toward your financial goals with Wells Fargo's free online money management tool.

  • Watch where your money goes. Every dollar you spend with your eligible Wells Fargo Credit Cards, Debit Cards, checks, and Bill Pay is sorted into familiar categories automatically — no receipts to save, and no spending to key in.
  • Track your income and deposits. My Spending Report with Budget Watch also automatically tracks your deposits, giving you a complete overview of your finances in one convenient spot.
  • Set budget goals for key spending categories. Create monthly spending goals using the Budget Watch feature — it's easy with your actual spending history on hand to guide you.
  • See what’s left each month. We update your budget summary each business day so you always know how close you are to meeting your budget goals. Use the What's Left feature to pay down debt, build your savings, and more.
  • Set up email alerts. Periodic budget alerts keep you informed about your progress toward meeting your budget goals.
  • View graphs and charts. Gain added insight into your spending with a snapshot view of your budget goals, averages over time, and more.

If you already have an account and are enrolled in Wells Fargo Online®, simply sign on to your Account Summary and click the My Money Map tab to get started.

Zero Liability program

Your Wells Fargo Credit Card comes with Zero Liability protection at no extra cost. Its built-in protection features ensure that you won’t be held responsible for any unauthorized purchases as long as you report them promptly.

Overdraft Protection

Protect yourself against unexpected overdrafts and bounced checks by linking your Wells Fargo Credit Card to your Wells Fargo checking account. Once you sign up for this service, if you ever write a check but don’t have sufficient funds available, we’ll automatically make up the difference with an advance from the available credit on your credit card account.

Overdraft Protection is an optional service we provide. For the service to take effect you will need to enroll. You're only charged for Overdraft Protection when you use it.

To sign up for Overdraft Protection, you’ll need a Wells Fargo Credit Card and a Wells Fargo checking account. Already have both? Sign on to the Wells Fargo Credit Card Service Center and look for the Overdraft Protection link to enroll.

If you do not have a Wells Fargo Credit Card yet, you can enroll by checking the Overdraft Protection box when you apply for a card. Learn more about our credit cards. All credit cards are subject to credit qualification.

Cellular telephone protection

Pay your monthly cellular telephone bill with your Wells Fargo Credit Card and you'll get cellular telephone protection that provides up to $600 protection (subject to a $25 deductible) against covered damage or theft at no cost.

To make it even easier, you can set up automatic monthly payments with your Wells Fargo Credit Card by following the instructions on the Visa® or MasterCard® site. Be prepared to provide:

  • Amount merchant is authorized to charge
  • Account number on the bill
  • Card number, expiration date, and security code
  • Date to be charged for bill
  • Recurring dates for future payments

Look for your cell phone provider:

Visa Cardholders

MasterCard Cardholders

Monitoring for fraud

We help protect your account from fraud by regularly reviewing your account for unusual activity.

Strict confidentiality

Wells Fargo, N.A. will not share your information with non-affiliated third-party marketers without your consent.

Verified by Visa®

Help protect your card against unauthorized online purchases by adding a personal password to any Wells Fargo Visa card. When you shop at participating online merchants, simply supply your password when you are prompted. Your transactions will be completed quickly and safely. And, because you're the only one who knows your password, you're the only one who can use your card. There's no charge — Verified by Visa is free to Visa cardholders.

If you already have a Wells Fargo card, register for Verified by Visa.

If you are a WellsOne® Commercial Card cardholder, learn about registering for Verified by Visa.

MasterCard® SecureCodeTM

The security and privacy of your payments is important. Protect your cards with your own personal password so only you can purchase with them online. It’s easy, safe, and free.

If you already have a Wells Fargo card, register for MasterCard SecureCode.

We offer a variety of ways to make your credit card payment — online, by mail, and by phone. Compare your options below.

Automatic and online payment options


Automatic payments
Online transfer
Bill Pay
Why choose this option?
You want the reassurance of having your credit card bill paid automatically on the due date.
You want to make a one-time, same-day payment or schedule a future payment to your credit card account.

You like the convenience of paying all your bills in the same place online, using our Bill Pay center.

Pay your Wells Fargo Credit Card account on a recurring or one-time basis.

Description

Your payment is automatically deducted from your checking or savings account.

Choose to pay the minimum payment amount, your balance in full, or a specified dollar amount.

Get a message on your statement telling you when the payment will be made.

Payments made before midnight Pacific Time are credited to your account on the same day.

Clicking on the “Add Non-Wells Fargo Account” link allows you to pay from other checking and savings accounts.

Receive email reminders when your bill is due and confirmation of your payment.
Cost
Free
Free
Free for the first two months
Payment options
Recurring
One-time (either same day or for a future date)
One-time and recurring
Requirements
Checking or savings account at any financial institution
Checking or savings account at any financial institution
Wells Fargo checking account
How to sign up once you have your card

Sign up for Wells Fargo Online. Once you have an account, sign on, go to Account Services, and select “Set up Recurring Payment” under the Transfers section. 

Or call 1-800-642-4720 to request an enrollment form.

Sign up for Wells Fargo Online. Once you have an account, sign on and click the Transfers tab.

Sign up for Wells Fargo Online. Once you have an account, sign on and click the Bill Pay tab to sign up.

Learn more about Bill Pay.


To make credit card payments by mail:

Please include your credit card account number on your check.

    Regular mail:

    Wells Fargo Card Services
    P.O. Box 30086
    Los Angeles, CA 90030-0086

    Express mail:

    Wells Fargo Payments – Regulus
    1200 West 7th Street, Suite L2-200
    Los Angeles, CA 90017

To make credit card payments by phone:

Call 1-800-TO-WELLS (1-800-869-3557) 24 hours a day, 7 days a week.

Online merchant promotions

Take advantage of online merchant promotions when you shop with your Wells Fargo Credit Card.

Don't have a Wells Fargo Credit Card?

See All Credit Card Options

Or call 1-800-932-6736

Authorization

The approval by the credit card issuer for a merchant or another affiliate to complete a credit card transaction.

Balance

An outstanding amount of money. A checking or savings account balance refers to the amount of money in a particular account. A credit card balance refers to the amount owed. See also Outstanding Balance.

Balance Transfer

Allows you to use the available credit on one credit card to pay the balance on one or more credit lines or loans. While making a balance transfer may be beneficial to you, balance transfers also may have limitations and/or fees associated with them so please consult your account agreement before making a balance transfer.

Available Credit

The amount of unused credit available. Available credit is computed by subtracting the outstanding balance from your total credit line.

Credit

Credit is a promise to repay a debt for purchases you make. It allows you to buy something today and pay for it later. Building a good credit history can help you buy a house or even get a job.

Automatic Payment

A free service that automatically makes credit card payments by transferring funds from your checking or savings account to your Wells Fargo credit card account.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.