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Last Updated: 05/14/2026
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Wells Fargo Secured Credit Card
Claimed
from Wells Fargo Bank
Last Updated: 05/14/2026
SuperMoney User Recommendation Score +29
Mostly recommended7 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 550
Annual Fee
$0
Number of Reviews
Wells Fargo Secured Credit Card Review
Wells Fargo Secured Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a secured credit card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo Secured Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- APRs: Wells Fargo Secured Credit Card has a variable regular purchase APR that ranges from 16.49% up to 24.49%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Wells Fargo Secured Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. Wells Fargo Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Wells Fargo credit card
| The Good | The Bad |
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Wells Fargo credit card FAQ
Does Wells Fargo credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Wells Fargo credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Wells Fargo Secured Credit Card has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR that ranges from 23.99% up to 25.99%.
Does Wells Fargo credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.49% - 24.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Wells Fargo credit card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 18 months.
What are the fees for Wells Fargo credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Wells Fargo credit card have a foreign transaction fee?
Wells Fargo credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Wells Fargo credit card?
The customer service number for Wells Fargo credit card is (800) 877-4833.
What is the support contact email for Wells Fargo credit card?
The support contact email for Wells Fargo credit card is corporateresponsibility@wellsfargo.com.
How do people rate the customer service and user experience of Wells Fargo credit card?
Overall, Wells Fargo credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does Wells Fargo Secured Credit Card report your account activity to credit bureaus?
Yes, Wells Fargo Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Wells Fargo Bank perform a hard credit pull?
Yes, Wells Fargo credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Wells Fargo credit card
- Visit the website of Wells Fargo credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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Other Credit Cards from Wells Fargo Bank
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.24% - 25.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 25.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.49% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.49% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$95
Rating not yet determined
Purchase APR
17.24% - 25.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 25.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 700
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$99
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +29, or 3.6 on a 5-point rating scale.
+29
-1000+100
No one recommends
Everyone recommends
Wells Fargo Secured Credit Card Community Reviews
Would you recommend Wells Fargo Secured Credit Card to your friends?
Mohammed M.
Mar 4, 2022
May or may not recommend
Dont even get me started about Wells Fargo..This bank is notoriously known for stealing...ive gotten so many overdrafts fees...horrible customer service..wait times are ridiculous...they'll block your card for no reason sometimes...i do not recommend this company at all and they just recently changed there interface on they're app and its horrible!!! Theres not even a way for you to keep track on the type of things that your spending your ...Show More
JC
Jenna C.
Sep 28, 2021
May or may not recommend
I really like my Wells Fargo CC. I use WF for my personal banking, so I enjoy the convienence of having it all under one mobile app that is user-friendly. They do a lot of promotions and have opportunities for cashback, which I absolutely love! I would highly recommend.
LD
Layla D.
Jan 18, 2021
May or may not recommend
I faced an issue at the beginning of the corona pandemic. My card was expired and I needed a new card sent home. I called over the phone, they gave me a very hard time, customer service was rude to me because I had an accent, and in the end told me I needed to go in the Bank to order a new card and prove my identity, I have ...Show More
TA
Tommy A.
Jan 6, 2021
May or may not recommend
i highly recommend wells fargo credit card and banking instittution
AB
Alexandra B.
Nov 5, 2020
May or may not recommend
I carry this credit card as a backup card. I bank through Wells Fargo, so it is convenient for me. The annual fee of $25 is affordable, but there are other similar options on the market with a $0 fee. I think it is sufficient as a backup card in case you have misplaced your main credit card. However, the perks are not worth it for me. This card doesn't ...Show More
KV
Kevin V.
Oct 28, 2020
May or may not recommend
This a great way to build your credit. You will not get a open credit line in advane. You will have to put your own money down to make the credit available. Which is good because you shouldn't have a credit line if you can't afford it. The interest rates are low and if your payment are made on time your credit line will be increased.
Netius
Sep 8, 2020
May or may not recommend
I was recommended to get a secured card to help build my credit so I decided to go with my local bank. I had to put all the money down like most secure bank credit cards and was able to get a decent limit to work with. There was a small annual fee which was no problem and I had no problems with the card. After about six months they ...Show More
Showing 7 of 7 reviews
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