Where to send your Wells Fargo credit card payment
Wells Fargo accepts credit card payments through three main channels: online through your account, by phone, or by mail. The fastest and most common method is online through Wells Fargo's website or mobile app, where the payment posts the same day if you submit it before the cutoff time (usually 8 p.m. Eastern). Phone payments take the same day if you call before 8 p.m. Eastern on a business day. Mailed payments take 7 to 10 business days to reach Wells Fargo's processing center, so plan accordingly if your due date is approaching.
You do not need to know a specific mailing address or account number format — Wells Fargo's website and phone system walk you through the exact steps and confirm the details before the payment is processed. The payment amount you choose is up to you: you can pay the full balance, the minimum due, or any amount in between.
Key Takeaways
- Online and phone payments post the same business day if submitted before 8 p.m. Eastern, while mailed payments take 7 to 10 business days.
- You can pay through Wells Fargo's website, mobile app, or by calling the number on the back of your card.
- Wells Fargo does not charge a fee for standard payments made through these official channels.
- Setting up automatic payments through your Wells Fargo account prevents missed due dates and late fees.
- If you pay by mail, send your payment at least 10 days before your due date to account for processing time.
Paying online or through the mobile app
Log into your Wells Fargo account at wellsfargo.com or open the Wells Fargo mobile app on your phone. Navigate to the "Pay" or "Payments" section — the exact label depends on which version you are using. Select your credit card account from the list of accounts, then enter the payment amount and the date you want the payment to be sent.
Wells Fargo will show you a confirmation screen with the amount, date, and account details before you finalize the payment. Review this information carefully, then confirm. The payment posts when ready to your account record, though it may take a few hours to show in your available credit. If you submit the payment after 8 p.m. Eastern on a business day, it will post the next business day instead.
Paying by phone
Call the number on the back of your Wells Fargo credit card. A representative or automated system will ask you to verify your identity using your card number and other account details. You will then be prompted to enter the payment amount and the date you want the payment sent.
Phone payments are processed the same day if you call before 8 p.m. Eastern on a business day. The representative will confirm all details before the payment is submitted. Keep a record of the confirmation number provided at the end of the call in case you need to reference the transaction later.
Paying by mail
Write a check or money order payable to Wells Fargo. Include your account number on the check itself. Place the check in an envelope with a payment stub from your statement if one is included, or write your account number clearly on a separate piece of paper so Wells Fargo can match the payment to your account.
Mail the payment to the address shown on your statement or on Wells Fargo's website — the address varies by region and account type. Send the payment at least 10 business days before your due date to account for mail delivery and processing time. Wells Fargo's processing center may take 3 to 5 business days to receive and post the payment after it arrives.
Setting up automatic payments
Automatic payments remove the need to remember your due date each month. Log into your Wells Fargo account online or through the app, go to the "Payments" section, and look for an option to set up automatic or recurring payments. Select your credit card, choose the payment amount (full balance, minimum due, or a fixed amount), and select the date each month when you want the payment sent.
Wells Fargo will process the automatic payment on the date you choose, as long as your linked bank account has sufficient funds. If your bank account does not have enough money on the scheduled date, the payment will fail and you may be charged a late fee. You can change or cancel automatic payments at any time through your account settings.
Payment timing and due dates
Your credit card statement shows a due date — the date by which Wells Fargo must receive your payment to avoid a late fee. Payments submitted online or by phone before 8 p.m. Eastern on the due date count as on-time. Mailed payments must be postmarked by the due date, though Wells Fargo typically allows a grace period of a few days after the due date before charging a late fee.
If you miss your due date, Wells Fargo will charge a late fee (the amount varies based on your account terms) and may report the late payment to credit bureaus, which can lower your credit score. If you realize you will miss the due date, call Wells Fargo when ready — some representatives can waive a single late fee if you have a good payment history.
Fees and payment methods
Wells Fargo does not charge a fee for payments made through its official channels: online, mobile app, or phone. Third-party payment services that allow you to pay through a different bank's bill pay system may charge a fee, so check with your bank before using that method.
If you use a credit card to pay your Wells Fargo credit card bill, you will be charged a cash advance fee and interest will accrue when ready — this is almost never worth doing. Stick to payments from a bank account or by check.
Frequently Asked Questions
What time does Wells Fargo stop accepting online payments each day?
Wells Fargo stops accepting online and phone payments at 8 p.m. Eastern on business days. Payments submitted after that time post the next business day. Weekends and federal holidays are not business days, so a payment submitted on Friday evening will not post until Monday.
Can I pay my Wells Fargo credit card from another bank's bill pay system?
Yes, you can set up a bill payment through your own bank's bill pay system and have them send a check to Wells Fargo. This method takes 7 to 10 business days and may incur a fee from your bank. Check with your bank first to see if they charge for this service.
What happens if I pay more than I owe?
If you pay more than your current balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund from Wells Fargo. Contact Wells Fargo to request a refund if you prefer not to carry a credit balance.
How do I know if my payment was received?
Log into your Wells Fargo account online or through the app and check your transaction history. Online and phone payments show up within a few hours. Mailed payments may take 7 to 10 business days to appear. You can also call the number on the back of your card to confirm receipt.
Can I change or cancel a payment I already submitted?
If you submitted the payment online or by phone and it has not yet posted, you may be able to cancel it through your account settings. Once the payment has posted, you cannot cancel it. Contact Wells Fargo when ready if you need to cancel a payment before it processes.