Pay your Wells Fargo Platinum Card online, by phone, or by mail
Wells Fargo Platinum Card payments can be made through your online account, the Wells Fargo mobile app, by phone, or by mailing a check. The fastest route is logging into your account at wellsfargo.com and selecting "Make a Payment" — the payment posts the same business day if you submit before the cutoff time, usually 8 p.m. ET. You can also call the number on the back of your card to pay by phone, or mail a check to the address shown on your statement.
The method you choose depends on how quickly you need the payment to post and whether you want a record of the transaction. Online and mobile app payments are when ready and leave a digital receipt. Phone payments work the same day but require you to speak with a representative. Mail takes 7 to 10 business days, so use it only if you are paying well ahead of your due date.
Key Takeaways
- Online payments through wellsfargo.com or the mobile app post the same business day if submitted before the evening cutoff.
- Phone payments are available 24/7 by calling the number on your card, and the payment posts the same business day.
- Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid a late fee.
- Set up automatic payments from your Wells Fargo checking or savings account to pay the same amount on the same day each month.
- Your payment must reach Wells Fargo by 5 p.m. ET on your due date to avoid interest charges and late fees.
Pay online through your Wells Fargo account
Log into wellsfargo.com using your username and password. If you do not have an online account, you can create one by entering your card number and Social Security number on the login page.
Once logged in, select your Platinum Card from the list of accounts. Click "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose the date you want the payment to post; if you select today, it will post the same business day if submitted before 8 p.m. ET. Review the details and click "Confirm." You will receive a confirmation number when ready.
Online payments are free and leave a record in your account history. You can also view your payment status by logging back in and checking your recent transactions.
Pay through the Wells Fargo mobile app
Open the Wells Fargo mobile app and log in with your username and password. Tap your Platinum Card account to open it.
Tap "Pay" or "Make a Payment." Enter the amount and select the date you want the payment to post. Confirm the payment details and tap "Submit." You will see a confirmation number on your screen and receive a text or email confirmation, depending on your notification settings.
Mobile app payments work the same way as online payments and post the same business day if submitted before the evening cutoff. The app also lets you set up automatic payments from this screen.
Pay by phone
Call the customer service number on the back of your Platinum Card. A representative will ask for your card number and the amount you want to pay. You can pay from a Wells Fargo account or provide a different bank account number for the payment to come from.
Phone payments post the same business day and are free. The representative will give you a confirmation number before you hang up — write it down or ask them to email it to you. Phone lines are open 24/7, so you can pay at any time, including weekends and holidays.
Pay by mail
Write a check for the amount you owe and include your card number on the memo line. Mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send cash.
Mail payments take 7 to 10 business days to post, so send your check at least two weeks before your due date. If your payment arrives after the due date, you will be charged a late fee and interest on the unpaid balance. Keep a copy of the check or take a photo of it for your records.
Set up automatic payments
Automatic payments remove the risk of missing a due date. Log into wellsfargo.com, select your Platinum Card, and look for "Autopay" or "Automatic Payments." Click "Set Up" or "Enroll."
Choose the amount you want to pay each month — you can select the full balance, the minimum payment, or a fixed amount. Select the day of the month you want the payment to come out. Wells Fargo will pull the payment from your checking or savings account on that date each month. You can change or cancel automatic payments anytime by logging back into your account.
Automatic payments are free and post the same business day. If you set the payment for the due date or earlier, you will never be late.
What happens if you miss a payment
If your payment does not reach Wells Fargo by 5 p.m. ET on your due date, you will be charged a late fee. The fee amount depends on your card terms, but typically ranges from $25 to $40 for the first late payment. A second late payment within six months usually costs more.
Late payments also trigger interest charges on your unpaid balance at your card's purchase APR. The interest accrues daily until you pay the balance in full. A late payment stays on your credit report for seven years and can lower your credit score.
If you miss a payment, contact Wells Fargo as soon as possible. Some cardholders can request a one-time late fee waiver if they have a good payment history. The sooner you pay, the less interest you will owe.
Frequently Asked Questions
Can I pay my Wells Fargo Platinum Card with a debit card or credit card?
No. Wells Fargo only accepts payments from a bank account (checking or savings) or by mailing a check. You cannot pay with another credit card or debit card.
What time does my online payment post?
Online payments submitted before 8 p.m. ET post the same business day. Payments submitted after 8 p.m. ET post the next business day. Payments submitted on weekends or holidays post on the next business day.
Can I pay more than I owe?
Yes. You can pay any amount up to your full balance plus any fees. The extra payment will be held as a credit on your account and applied to your next statement.
Is there a fee to pay my card online or by phone?
No. Wells Fargo does not charge a fee for online, mobile app, or phone payments. Mail payments are also free, but take longer to post.
What if I pay after my due date but before the statement closes?
You will still be charged a late fee and interest on the unpaid balance. The due date is the important date — payments must arrive by 5 p.m. ET on that date to avoid penalties.