The fastest way to pay is through your Wells Fargo online account or mobile app
You can pay your Wells Fargo credit card bill in minutes using the account you already have. Log into your Wells Fargo online banking or open the Wells Fargo mobile app, find your credit card, and select "Make a Payment." You'll choose how much to pay, pick the date the payment should arrive, and confirm. The payment posts within one business day if you pay before the cutoff time (usually 8 p.m. Eastern time on business days).
If you don't have online banking set up yet, you can create an account at wellsfargo.com using your Social Security number, card number, and other identifying information. The setup takes about 10 minutes.
Key Takeaways
- Online banking and the Wells Fargo mobile app are the fastest and most direct ways to pay, with payments posting within one business day.
- You can set up automatic payments to send the same amount on the same date each month, which prevents missed due dates.
- Phone payments and mail payments work but take longer — phone payments post in one to two business days, and mailed checks take five to seven business days.
- Your due date is printed on your statement and in your online account; paying after that date triggers a late fee, even if the payment is small.
Setting up automatic payments so you never miss a due date
Automatic payments remove the risk of forgetting. In your Wells Fargo online account, go to "Manage Automatic Payments" under the payment section. Choose your credit card, enter the amount you want to pay each month, and pick the date you want it to come out of your checking or savings account. You can set it to pay the full statement balance, the minimum payment, or a fixed dollar amount you choose.
The payment will happen automatically on that date every month. You can change or cancel it anytime. Many people set automatic payments for the full balance so they never carry interest charges, or for the minimum payment if they need to spread out what they owe.
Paying by phone if you don't have online access
Call the customer service number on the back of your credit card. A representative will ask for your card number, the amount you want to pay, and the account you want the payment to come from (checking or savings). The payment posts within one to two business days. You'll need to have your bank account information ready.
Phone payments work, but they're slower than online payments and you have to call each time. If you pay regularly, setting up online banking takes less time overall.
Mailing a check or money order
Write a check or money order to Wells Fargo and mail it to the address on your statement. Include your account number or card number on the check so the payment reaches the right account. Mail payments take five to seven business days to post, so send it well before your due date to avoid late fees.
Mailing is the slowest option and carries the risk that your check gets lost. Use it only if you have no other way to pay.
Understanding your due date and late fees
Your due date is printed on your monthly statement and visible in your online account. If your payment doesn't post by that date, you'll be charged a late fee. The fee amount depends on your account and how late the payment is, but it typically ranges from $25 to $40 for the first late payment.
Late payments also affect your credit score and may increase your interest rate. If you're cutting it close, use online banking or the app — they're the only methods fast enough to may provide the payment posts the same day.
What to do if you can't pay the full balance
You don't have to pay the full balance each month. You can pay the minimum payment (printed on your statement) or any amount between the minimum and the full balance. However, any balance you don't pay will be charged interest at your card's interest rate, which is usually between 15% and 25% depending on your creditworthiness.
If you're struggling to pay, contact Wells Fargo customer service before your due date. They can discuss options like a payment plan or a temporary interest rate reduction, though these are not may provide.
Paying from a non-Wells Fargo bank account
If your checking or savings account is at a different bank, you can still pay your Wells Fargo credit card. Use your bank's bill pay service to send a payment to Wells Fargo. Log into your bank's online banking, set up Wells Fargo as a payee, and schedule the payment. Your bank will mail a check on your behalf, so allow five to seven business days for it to arrive.
Some banks also allow you to pay using the Wells Fargo payment address and your card number, which works the same as mailing a check yourself. Check your bank's bill pay options to see what methods they support.
Frequently Asked Questions
Can I pay my Wells Fargo credit card with a debit card?
No. You can only pay from a checking or savings account (either at Wells Fargo or another bank). You cannot use another credit card or a debit card to pay your Wells Fargo credit card bill.
What time does my online payment post?
Payments made before 8 p.m. Eastern time on a business day post the next business day. Payments made after 8 p.m. or on weekends and holidays post the following business day. The exact time within that day varies.
Will I be charged a fee to pay my credit card?
No. Wells Fargo does not charge a fee for paying your credit card bill through online banking, the app, or by phone. Mailing a check costs the price of postage, which is minimal.
What if I pay too much by accident?
If you overpay, the extra amount becomes a credit on your account. You can use it toward future purchases, or contact Wells Fargo to request a refund to your bank account.
Can I pay before my due date?
Yes. You can pay anytime. Paying early reduces the interest you'll be charged on any remaining balance and lowers your credit utilization (the amount of your credit limit you're using), which helps your credit score.