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Wells Fargo Credit Card Features and Services

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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 offer, 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 from this offer) in full by your payment due date or your purchases are subject to a promotional APR.

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 Message Center, 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 access Manage Alerts through the More menu.

If you haven't signed up yet, you'll need online access to an eligible Wells Fargo banking account and a valid email address. Enroll now 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 device 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 Wells Fargo Online 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 and access My Money Map through the More menu 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 access Overdraft Protection through the More menu 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

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.

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

Balance transfers have no grace period or rewards points, cash rewards or rebates earned. Your minimum payment will be applied first to lower APR balances before higher ones. Payments in excess of the minimum payment will generally be applied to balances with higher APRs first. Wells Fargo reserves the right to change terms, rates and fees at its discretion in accordance with the card agreement and applicable law. If you transfer amounts owed to another creditor and maintain a balance on this credit card account, you will not qualify for future grace periods on new purchases as long as a balance remains on this account.

Your mobile carrier’s message and data rates may apply.

If you choose to link your Account to your Wells Fargo Checking Account for overdraft protection, please note the following. If you have a joint checking account, you will be responsible for all advances, including interest and charges from your credit card to cover overdrafts regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. An Overdraft Protection Advance fee will be charged to your Account each day an Overdraft Protection advance is made, and interest will accrue from the date each advance is made. See Consumer Credit Card Customer Agreement and Disclosure Statement for details. Please note that you may also be able to link your Wells Fargo Savings Account to your Wells Fargo Checking Account for overdraft protection. Overdraft Protection transfers from a Savings account count towards the Regulation D and Wells Fargo combined total limit of 6 transfers and withdrawals per monthly fee period. If the limit is exceeded, an Excess Activity Fee for each transfer or withdrawal will be assessed. If the limit is exceeded on more than an occasional basis, your Savings account could be converted to a Checking account or closed.

If you are not a current Wells Fargo Credit Card customer, you must have an existing Wells Fargo relationship to apply online for a credit card. If you already have another Wells Fargo account besides a checking account, you may apply online for both a credit card and a checking account.

Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer credit card cardholder for damage to or theft of a cellular wireless telephone. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first three additional lines as listed on your provider's monthly statement. Cellular Telephone Protection is subject to a $25 deductible per claim and a maximum of 2 claims per 12 month period. The maximum benefit limit is $600 per occurrence and $1,200 per 12 month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25 deductible. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a pre-paid plan. Electronic failure or issues related to the software of the device are not covered. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner's or automobile insurance policies, or through a plan provided through the seller of the telephone. For complete coverage benefits and exclusions regarding this protection call 1-866-804-4770. 24 hours a day, seven days a week, or read all the coverage benefits and exclusions within the PDF document provided (PDF) .

Regulation D and Wells Fargo limit certain types of withdrawals and transfers from a savings account to a combined total of six (6) per monthly fee period. If the limit is exceeded, a fee will be assessed. Please refer to the Consumer Account Agreement and the Consumer Account Fee and Information Schedule for details.

Bill Pay is free of monthly service fees. Charges may apply for Wells Fargo Same Day Payments Service SM. Please refer to the Online Access Agreement for fees associated with our online services. Account fees (e.g. monthly service, overdraft) may apply to the Funding Account. For more information on the account fees, please refer to the account agreement you received when you opened your account.

Credit cards issued by Wells Fargo Financial National Bank may not be eligible for all products and services listed here. Wells Fargo Financial National Bank issued credit cards are typically merchant or industry branded credit cards that consumers apply for though a merchant or service provider. If you are unsure who your credit card issuer is, please consult your cardholder terms or your 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.

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.

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.

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.

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Category: Credit

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