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Wells Fargo Secured Visa® Credit Card

Establish healthy credit with a Wells Fargo Secured Visa® Credit Card

Get on the path to good credit with a Wells Fargo Secured Visa® Credit Card.
  • Use your Wells Fargo Secured Visa® Credit Card anywhere Visa® is accepted. 
  • Requires a minimum $300 security deposit.
  • Available to both U.S. and temporary residents.
  • This is not a debit or a prepaid card.  Your secured credit card activity is shared with major credit bureaus to help build your credit history.
  • With responsible use over time, you may be eligible for an upgrade to an unsecured credit card.
  • You are responsible for making at least the minimum monthly payment, on time.  Payments are not deducted from your security deposit.

Annual fee


Annual Percentage Rate (APR)

Currently, a variable 18.99% APR on purchases. (These APRs do not apply to cash advances.) See full terms and conditions.

Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances).

How It Works

  • You provide a security deposit for this credit card.  It is your credit limit (the amount you can charge).
  • Wells Fargo shares your payment activity for this credit card with the Credit Bureaus.  This creates credit history if you have never had credit before.  It contributes to your overall credit history if you are working to improve you credit.
  • You must pay your bill on time, every time, and you cannot go over your credit limit.
  • Wells Fargo reviews Secured Credit Cards periodically for upgrade.  If you are upgraded, your security deposit will be refunded. 

Your Security Deposit

  • When you apply, you provide a minimum security deposit of at least $300, or up to $10,000.
  • Your credit limit is equal to your security deposit.  It is the maximum amount you can charge on the credit card.
  • Funds for your security deposit must be available to open your account.

Using Your Credit Card

  • You must make at least the minimum payment on time each month. 
  • Payments are not deducted from your security deposit.
  • Funds cannot be withdrawn from your security deposit.

Upgrade to unsecured credit

  • Wells Fargo reviews Secured Credit Card accounts for upgrade periodically.
  • If you are upgraded to an unsecured credit card, Wells Fargo will refund your security deposit.
  • Only U.S. Citizens and Permanent residents will qualify for upgrades to an unsecured credit card.

Visa benefits:

  • Auto rental collision damage waiver
  • Emergency card replacement
  • Roadside dispatch
  • Travel and emergency assistance services

Online Banking Features

All Wells Fargo Secured Credit cardholders have access to free online credit education courses and tips to help you manage credit wisely.
Choose your monthly payment due date and sign up for automatic or online payments.

Stay on top of your account activity with free email alerts when you approach your credit limit, a payment is due, and more.
Easily track your expenses.  My Spending Report with Budget Watch has built-in tools that help you see where your money is going and easily set up a budget.

Zero Liability program

All Wells Fargo Credit Cards automatically protect you from liability for unauthorized transactions when you report them promptly.

Overdraft Protection

You may link your credit card to your checking account to help avoid overdrafts.

Rapid Alerts

For Visa® customers. Get fast text and email alerts for monitoring spending, tracking purchases, and receiving notifications of irregular or suspicious activity.

Cellular Telephone Protection

Help protect your cellular telephone from damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Credit Card.

Chip Technology

A Wells Fargo credit card with chip technology offers broader acceptance internationally and better protection against counterfeit fraud wherever this technology is the standard.

Verified by Visa®

Protect your Wells Fargo Visa card with a unique password for online shopping.

Download the Visa Guide to Benefits (PDF)* to learn more.

Wells Fargo Secured Card questions

What should I expect after I apply online?

If you applied online, you will receive the status of your application on the confirmation page and we will send you a confirmation email.

If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status.

Upon approval of your application, we’ll transfer the funds you provide into the collateral account. This can take approximately 7 – 10 days, and these funds need to be available in your account to process the transfer and open your credit card account.

You will receive your Secured Credit Card by U.S. Mail, 7-10 days after account opening.

How is a secured credit card different than unsecured credit cards?

Unlike unsecured credit cards, a secured credit card requires a minimum $300 security deposit from you to secure your credit line.

How is a secured credit card the same as unsecured credit cards?

The Wells Fargo Secured Credit Card is like other credit cards because:

  • It can be used wherever Visa® credit cards are accepted.
  • You must make at least the minimum payment on time each month. 
  • Your payment activity is reported to the credit bureaus, which helps build your credit history.

Why is a Security Deposit required?

The security deposit in your Collateral Account is held to secure your line of credit. You must make at least the minimum payment on time each month without using your security deposit. By borrowing against and then paying off your line of credit, you can establish a history of on-time payments. This can help establish you as a responsible borrower. Funds cannot be withdrawn from the security deposit or applied as payment for balances or fees.

Do the funds in the Collateral Account earn interest?

No, the funds in the Collateral Account do not earn interest.

Do I still need to make monthly payments, even if I already provided a Security Deposit?

Yes, you must make the payment on time each month and pay the required minimum payment. You may also pay another amount above the minimum or pay the balance in full each period.  You must keep the balance within the established credit limit. By paying at least the required minimum payment before the due date and staying within your credit limit, you show the bank and the credit bureaus that you can manage credit responsibly.  Funds cannot be withdrawn from the security deposit or applied as payment for balances or fees.

Does the secured credit card look different than an unsecured Platinum Visa® Credit Card?

No, the Secured Credit Card design looks exactly like the Wells Fargo Platinum Visa® Credit Card, and it can be used for purchases and payments just like any other credit card.

When can I become eligible for the unsecured Platinum Visa® Credit Card?

Secured Credit Cardholders with a valid Social Security number (U.S. citizens and permanent residents) may become eligible for an unsecured credit card.  Wells Fargo reviews Secured Credit Card accounts for upgrade eligibility periodically. In the review, your overall performance across credit products will be considered, including your Wells Fargo Secured Credit Card account performance.


See all credit card FAQs and learn more about chip cards .

Apply online if you have an existing Wells Fargo checking or savings account

Apply Now

You can also call 1-800-932-6736 or apply in person at a Wells Fargo location near you.

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

Annual Fee

A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.

Annual Percentage Rate (APR)

The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.

Cash Advance

You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.

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.


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.