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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 confidence.

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.
  • Enjoy protection with Zero Liability against unauthorized transactions when you report them promptly.
  • Track monthly bill payments online with My Spending Report with Budget Watch.
  • Earn rewards when you set up recurring payments through your service provider using your Wells Fargo Credit Card with a rewards feature.

Chip Technology

A Wells Fargo credit card with chip technology offers broader acceptance internationally and better protection against counterfeit fraud when used at chip-enabled terminals. Learn more about chip cards.

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 take advantage of a balance transfer, you will be charged interest on purchases you make with your credit card, unless you either pay your entire new balance (including any balances you transfer) in full by your payment due date or your purchases are subject to a promotional 0% APR.

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 enroll in 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 credit card is used for international, gas station, or online purchases.
  • 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 Message Center, where you'll also find answers to questions you've emailed us. You can add new alerts 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 whenever certain transactions occur.

What alerts are available?

Get quick text or email notifications for:

  • Declined transactions
  • Gas charges at the pump
  • Foreign transactions
  • Cash withdrawals at ATMs
  • 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. Its built-in protection features ensure that you won’t be held responsible for any unauthorized transactions 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 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.

Cellular telephone protection

Pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit card and you'll get up to $600 protection (subject to a $25 deductible).

Eligible cell phones are protected against damage or theft, however coverage does not include cell phones that are lost.

Call your cellular provider (or log on to their website) and request to set up automatic payments.  Setting up automatic payments is not required to qualify for the Cellular Telephone Protection benefit; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.

Monitoring for fraud

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

Visa Checkout® by Visa

Simplify online checkout with Visa Checkout, it’s Easy, Secure and Fast by registering your Wells Fargo Visa® Credit Card in Visa Checkout for no additional cost.

Avoid all the checkout hassles when shopping online. Visa Checkout by Visa is a digital payment service that makes online checkout as fun and easy as online shopping. You can use Visa Checkout anywhere — on the go with your tablet or smartphone, or at home with your computer.

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.


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.

Set up and manage your automatic payments online or check your statement to see when your payment will be made.

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

Receive email reminders when your bill is due and confirmation of your payment.





Payment options


One-time (either same day or for a future date)

One-time and recurring


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

Enroll in Wells Fargo Online. Once you have an account, sign on, go to Transfer and Pay and select Pay WF Accounts to set up your automatic payments.

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

Enroll in Wells Fargo Online. Once you have an account, sign on and click Transfer and Pay and select Pay WF Accounts.

Enroll in Wells Fargo Online. Once you have an account, sign on and click Transfer and Pay and select Pay Bills.

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 51193
    Los Angeles, CA 90051-5493

    Express mail:

    Lockbox Services 51193
    Attn: WF Consumer Credit Card
    3440 Flair Drive
    El Monte, CA 91731

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 at Visa® Rewards Online with your Wells Fargo Visa® Credit Card.

Don't have a Wells Fargo Credit Card?

See All Credit Card Options

Or call 1-800-932-6736

All credit cards are subject to credit qualification.


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 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.