Pay your Wells Fargo credit card online, by phone, by mail, or in person at a branch
Wells Fargo offers four main ways to make a credit card payment. The fastest and most common is online through your Wells Fargo account. You can also call the number on the back of your card, mail a check to the address on your statement, or walk into any Wells Fargo branch with cash or a check. Each method takes a different amount of time to post to your account, so choose based on when you need the payment to arrive and how you prefer to pay.
Payments made online or by phone typically post within one business day. Mailed payments take five to seven business days from the date Wells Fargo receives them, depending on mail delivery time. In-person payments at a branch post the same day if you pay before the branch closes.
Key Takeaways
- Online payments through your Wells Fargo account are the fastest method and post within one business day.
- Phone payments use the automated system or a representative and also post within one business day.
- Mailed payments should arrive at least five to seven business days before your due date to avoid late fees.
- In-person payments at a Wells Fargo branch post the same day and are useful if you need when ready confirmation.
- Your minimum payment and full balance due appear on your monthly statement and in your online account.
Pay online through your Wells Fargo account
Log in to wellsfargo.com or use the Wells Fargo mobile app. Click on your credit card account, then select "Make a Payment" or "Pay Now." Enter the amount you want to pay and the date you want the payment to post. Wells Fargo will show you the available dates — you can schedule a payment for today or up to 30 days in advance. Review the details and confirm.
The payment posts to your account within one business day. If you pay on a weekend or holiday, it posts the next business day. You will see the payment reflected in your account balance when ready after you confirm, but the official posting date is when the funds actually reduce your balance for interest calculation purposes.
If you do not have online access set up, you can register at wellsfargo.com by entering your card number, Social Security number, and date of birth. The registration takes a few minutes and gives you access to pay anytime without calling.
Pay by phone using the automated system or a representative
Call the number on the back of your Wells Fargo credit card. The automated system will ask you to enter your card number and the amount you want to pay. You can choose to pay today or schedule a payment for a future date. The system confirms the payment before you hang up and provides a confirmation number — write this down in case you need to reference it later.
If you prefer to speak with a person, stay on the line after the automated prompts or press the option for a representative. A Wells Fargo representative can answer questions about your account, help you set up a recurring payment, or process a payment over the phone. Phone payments also post within one business day.
The phone line is available 24 hours a day, seven days a week. Keep your card handy when you call so you can provide your card number and confirm your identity.
Pay by mail with a check or money order
Write a check or money order for the amount you owe. On the check, write your Wells Fargo credit card number in the memo line so the payment is applied to the correct account. Include your name and address on the check itself.
Mail your payment to the address shown on your monthly statement under "Payment Address" or "Make Payments To." Do not mail to the general Wells Fargo corporate address — use only the payment address on your statement, as payments sent elsewhere will be delayed. Mail your payment at least seven to ten business days before your due date to account for mail delivery time and processing time at Wells Fargo.
Keep a copy of the check or a photo of the front and back for your records. If your payment does not post within ten business days of mailing, contact Wells Fargo with your check number and mailing date to trace it.
Pay in person at a Wells Fargo branch
Visit any Wells Fargo branch during business hours with cash or a check. Tell the teller you want to make a credit card payment and provide your card number or the card itself. The teller will process the payment and give you a receipt showing the amount paid and the date. This receipt is your proof of payment.
In-person payments post the same day before the branch closes. This method is useful if you are paying close to your due date and want to avoid any delay. You do not need an account at that particular branch — any Wells Fargo location will accept a payment on your credit card.
Understand your due date and minimum payment
Your due date appears on your monthly statement and in your online account. This is the date by which Wells Fargo must receive your payment to avoid a late fee. Payments received after 5 p.m. Eastern Time on the due date are considered late. If your due date falls on a weekend or holiday, Wells Fargo extends the important date to the next business day.
Your statement shows both your minimum payment (the smallest amount you must pay) and your full balance (the total amount you owe). Paying only the minimum keeps your account in good standing but means you will pay interest on the remaining balance. Paying the full balance avoids interest charges on purchases made during that billing cycle.
If you miss a payment, Wells Fargo will charge a late fee and may report the missed payment to credit bureaus. Set up a reminder on your phone or calendar a few days before your due date to avoid this.
Set up automatic payments to avoid missing a due date
Log into your Wells Fargo account online or through the app and look for "Automatic Payments" or "Recurring Payments." Select your credit card, choose the amount (minimum payment, full balance, or a fixed amount), and pick the date each month when you want the payment to come out of your checking account. Wells Fargo will deduct the payment automatically on that date every month.
Automatic payments post within one business day, just like online payments. You can change or cancel an automatic payment anytime through your account settings. This method removes the risk of forgetting a payment and helps you avoid late fees and interest charges.
If you set up an automatic payment for your full balance, make sure your checking account has enough money on the payment date. If the account does not have sufficient funds, the payment will fail and you may be charged an overdraft fee by your bank.
Frequently Asked Questions
How long does it take for a Wells Fargo credit card payment to post?
Online and phone payments post within one business day. Mailed payments take five to seven business days from the date Wells Fargo receives them, depending on mail delivery. In-person payments at a branch post the same day.
What happens if I pay after my due date?
Wells Fargo will charge a late fee, which appears on your next statement. The missed payment may also be reported to credit bureaus and can lower your credit score. If you are more than 30 days late, your interest rate may increase.
Can I pay someone else's Wells Fargo credit card?
Yes, you can mail a payment or pay in person at a branch if you have the cardholder's account number. Online and phone payments require the cardholder's identity information, so the cardholder may need to set up the payment themselves or authorize you to access their account.
What if I overpay my credit card?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request that Wells Fargo refund the overpayment by calling the number on your card or visiting a branch.
Is there a fee to pay my Wells Fargo credit card?
No, Wells Fargo does not charge a fee for any of these payment methods. Online, phone, mail, and in-person payments are all free.