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Wells Fargo Credit Card Features

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 confidence.

Easily and securely make same-day credit card payments online, over the phone, or at an ATM.

Payment options

Pay online

  • Sign on to Wells Fargo Online® or download the Wells Fargo Mobile® app to make same-day payments, schedule future payments, and manage your credit card payments from your mobile device.
  • Set up Autopay, and we’ll automatically deduct your payment from the account you choose. No need to add your Wells Fargo credit cards -- they're already there.

Pay by phone

  • Call the number on the back of your card to make a payment by phone. Our automated system is available 24/7.

Pay at an ATM

  • Conveniently make a credit card payment at one of the more than 11,000 Wells Fargo ATMs nationwide.
  • Find an ATM near you with our ATM and branch locator tool.

Balance transfers

You could pay less interest by transferring balances from other higher-rate credit cards to a Wells Fargo credit card. You might also be able to lower your overall monthly payments and turn multiple bills into one easy payment. Balance transfer fees may apply.

A balance transfer can give you the flexibility to:

  • Pay off another credit card or tax bill
  • Fund large expenses, such as home improvements
  • Cover emergencies and other unplanned expenses
  • Pay an individual

If you already have a Wells Fargo credit card, sign on to the Wells Fargo Credit Card Service Center and select Request Balance Transfer to see if you have an 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.


With alerts, it’s easy to stay informed about your eligible Wells Fargo credit card accounts. You can sign up for alerts that you want to receive via email, text, or push notification.

Alerts can be sent when:

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

You can add new alerts from the available list or change your preferences anytime.

How can alerts help you?

  • Be in the know. Track purchases with limits you set.
  • Stay within your budget. Monitor your spending with text notifications.
  • Help keep your account secure. Get notified if your password is updated.

What alerts are available?

Get quick text or email notifications for:

  • Declined transactions
  • Foreign transactions
  • Online, phone, or mail purchases
  • Purchases exceeding a set amount

Already have online access to your accounts? Sign on to Wells Fargo Online and go to Manage Alerts.

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

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 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 and go to My Money Map through Plan & Learn to get started.

Zero Liability Protection

Your Wells Fargo Credit Card comes with Zero Liability protection at no extra cost. Your credit card has built-in protection features to help ensure you won’t be held responsible for any unauthorized transactions as long as you report them promptly.

Overdraft Protection

Help 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 happen to spend more than you have in your checking account, we’ll automatically make up the difference with an advance from the available credit on your Wells Fargo 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 select Overdraft Protection.

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.

Monitoring for fraud

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

Don't have a Wells Fargo Credit Card?

Explore cards

All credit cards are subject to credit qualification.


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.

Available Credit

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


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.