Wells Fargo

Wells Fargo Limited

Phone: 1-800-869-3557,1-800-956-4442
Email: reportphish@wellsfargo.com

Wells Fargo® Secured Card

Don't have a credit history, or been turned down for credit in the past?

By using credit responsibly, including your Wells Fargo Secured Card, you can go a long way in building strong and healthy credit.
A Secured Card works like any other credit card, and can be used wherever Visa credit cards are accepted, but requires a deposit to fund your “Collateral Account”.

You deposit $300-$10,000 into a "Collateral Account." Your credit line will directly reflect the amount of your deposit.
You still need to make monthly payments toward any balance you accrue, as with any other credit card.
Upon approval of your application, we will transfer the funds from the Wells Fargo checking or savings account you provide to open the Collateral Account. This can take approximately 7 – 10 days and these funds will need to be available in your account to process the transfer and open your account.

Secured Card accounts are reviewed periodically and may qualify to be graduated to an unsecured credit card and have the Collateral Account funds refunded1.
Visa Guide to Benefits (PDF)* - auto rental benefits and travel services
24-hour customer service in English and Spanish
Free online account access. View charges, transfer funds, and more.
Easily track your expenses. My Spending Report and Budget Watch are a built-in tools that help you see where your money is going and easily set up a budget.
Choose your monthly payment due date and also 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.

Find out about services to manage your spending and payments.
Interest Rate
Currently, a variable 18.99% APR on purchases. This APR will vary with the market based on the U.S. Prime Rate. (These APRs do not apply to cash advances).
Annual fee $25 a year
Global Network
Service Type
Wells Fargo Secured Card Agreement (PDF)*
View all new account agreements or request a copy of your existing agreement by calling 1-800-642-4720.
Supporting Documents
Apply online if you have an existing Wells Fargo Checking or Savings Account to establish your Collateral Account.

Learn about the application process.


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