The fastest way to pay your Wells Fargo credit card
You can pay your Wells Fargo credit card through their online portal, mobile app, phone, or by mail. The online portal and mobile app are the fastest — payments post the same day if you pay before the cutoff time, which is usually around 8 p.m. Eastern Time. Phone payments and mail take longer: phone payments may post within one business day, and mailed checks typically take 7 to 10 business days to clear.
You do not need to wait for a bill to arrive to make a payment. You can pay any amount at any time, and you can set up automatic payments so the amount comes out of your bank account on a date you choose each month.
Key Takeaways
- Online and mobile app payments post the same day if submitted before the evening cutoff, while phone and mail payments take longer.
- You can pay through Wells Fargo's website, the Wells Fargo Mobile app, by phone at 1-800-869-3557, or by mailing a check to the address on your statement.
- Automatic payments let you choose a fixed amount and date each month, reducing the chance you will miss a due date.
- Payments from another bank's account may take one to three business days to post, depending on how that bank processes the transfer.
Paying online through Wells Fargo's website
Go to wellsfargo.com and sign in with your username and password. If you do not have an online account, you can create one by clicking "Enroll" on the login page and following the prompts. You will need your card number and Social Security number to set up an account.
Once you are signed in, select your credit card account from the list. Click "Make a Payment" or "Pay Now" — the exact wording varies depending on which version of the site you see. Enter the amount you want to pay and choose the date you want the payment to come out of your bank account. You can pay from a Wells Fargo checking or savings account, or from an account at another bank. Review the details and confirm the payment.
If you are paying from an account at another bank, Wells Fargo will ask for the routing number and account number. You can find the routing number on the bottom left of a check from that bank, or by calling the bank directly.
Paying through the Wells Fargo Mobile app
read the Wells Fargo Mobile app from the Apple App Store or Google Play Store. Sign in with your username and password, or create a new account if you do not have one yet.
Tap your credit card account, then tap "Pay" or "Make a Payment." Enter the amount and select the date you want the payment to come out of your bank account. You can pay from a Wells Fargo account or from another bank. Confirm the payment and you will see a confirmation number on the screen.
The mobile app works the same way as the website, so use whichever is more convenient for you. Both post payments at the same speed.
Paying by phone
Call Wells Fargo's automated payment line at 1-800-869-3557. Have your credit card number and the bank account you want to pay from ready. The automated system will walk you through entering the payment amount and the date you want it to come out.
If you prefer to speak to a person, you can stay on the line after the automated menu starts, and a representative will help you. Phone payments typically post within one business day.
Paying by mail
Write a check for the amount you want to pay. On the memo line, write your credit card number so Wells Fargo knows which account to explore the payment to. Mail the check to the address printed on your monthly statement — this address is specifically for payments and is different from the general mailing address.
Include only the check in the envelope. Do not send your statement or other documents. Mailed checks typically take 7 to 10 business days to arrive and post, so mail your payment well before your due date if you want to avoid late fees.
Setting up automatic payments
Automatic payments remove the risk of forgetting to pay. You can set them up through the website or mobile app. Sign in, go to your credit card account, and look for "Automatic Payments," "Recurring Payments," or "Autopay" — the exact name varies.
Choose the amount you want to pay each month: you can set it to pay the full statement balance, the minimum payment, or a fixed dollar amount you choose. Select the date each month when you want the payment to come out of your bank account. Wells Fargo will deduct that amount automatically on that date.
You can change or cancel automatic payments at any time through the same menu. If your payment amount changes month to month, you may want to set up autopay for the minimum payment to may support you never miss a due date, then make additional payments when you can.
What to do if a payment fails or is late
If a payment fails — for example, because your bank account does not have enough money — Wells Fargo will send you a notice. Try the payment again as soon as possible. If the payment was supposed to post by your due date and it did not, contact Wells Fargo to ask whether a late fee will be charged. Sometimes they will waive the fee if the delay was their error.
If you miss your due date, a late fee will appear on your next statement. Late payments also affect your credit score. If you are having trouble making a payment, call Wells Fargo at 1-800-869-3557 and ask about hardship options or payment plans.
Frequently Asked Questions
How long does it take for a payment to post?
Online and mobile app payments post the same day if submitted before the evening cutoff, usually around 8 p.m. Eastern Time. Phone payments typically post within one business day. Payments mailed by check take 7 to 10 business days. Payments from another bank's account may take one to three business days depending on how that bank processes transfers.
Can I pay my Wells Fargo credit card from a bank account at a different bank?
Yes. When you make a payment online or through the app, select "Pay from another bank" and enter the routing number and account number. You can also mail a check from any bank account. Phone payments can only be made from a Wells Fargo account.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling 1-800-869-3557. Wells Fargo will mail a check or refund the amount to your original payment method.
Can I set up automatic payments for different amounts each month?
Automatic payments are for a fixed amount each month. If your balance changes, you can set autopay to the minimum payment or full statement balance instead, and those amounts will adjust automatically. For custom amounts that vary, you will need to make manual payments each month.
Is there a fee to pay my credit card?
No. Wells Fargo does not charge a fee for any payment method — online, mobile app, phone, or mail. The only cost is what your bank may charge if you use a third-party payment service, which is not necessary.