Wells Fargo Secured Visa Card


The Wells Fargo Secured Visa Card can help you get back on your feet and reestablish healthy credit scores.

This is a secured card, meaning it requires a security deposit upon account approval. Your credit line will be equal to your security deposit. You will need to provide a minimum security deposit of $300, up to $10,000.

This card allows you to check one of your FICO Credit Scores for free, based on your Experian credit report.

There is a $25 annual fee, and it requires an existing Wells Fargo checking or savings account to apply.

With responsible use of this card and credit in general, you may be graduated to an unsecured Wells Fargo credit card.

Card Quick Facts

Card Quick Facts

  • Secured credit card, requiring a deposit of $300 to $10,000
  • Your credit line will be equal to the amount of the deposit
  • Free online credit education courses
  • Free FICO® Credit Score based on your Experian credit report
  • Shopping and travel protections from Mastercard
  • $25 annual fee

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $25
Additional Cards Annual Fee -
Regular Purchase APR 20.99% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $300
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 20.99% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 25.99% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free Online Credit Education Courses

    Includes tips on paying for college and managing your money in school.

  • Free FICO® Credit Score

    Check your FICO® Credit Score for free, based on your Experian credit report.

  • Zero Liability Protection

    You will not be held responsible for unauthorized purchases made on your card.

  • Overdraft Protection

    Link your card to a Wells Fargo bank account to prevent overdraft charges.

  • Verified by Visa®

    Protect your card with a unique password.

  • Cellular Telephone Protection

    Pay your cell phone bill with your card to get up to $600 in coverage for your phone against damage and theft (subject to a $25 deductible).

  • Travel and Emergency Assistance

    Provides help with travel emergencies.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision for eligible rental vehicles, as long as the car rental company’s own insurance is declined.

  • Roadside Dispatch

    Toll-free referral dispatch for assistance with services such as towing, changing a flat, and more. Third-party service fees will apply.

  • Travel Accident Insurance

    Provides up to $150,000 in coverage against accidental death and dismemberment when traveling by common carrier.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 0 reviews

The Insider

Susan Shain
Here’s the Best Credit Card for Groceries, Plus 6 Runners-Up
Susan Shain | Jan 14, 2019

We combed the fine print to crown the best grocery credit card in all the land. We name six runners-up for different types of grocery shoppers, too.

Read More
Michelle Black
How to Place Fraud Alerts on Your Credit Reports
Michelle Black | Jan 04, 2019

Fraud alerts are protective measures you can take to help prevent identity theft, requiring companies to verify your identity before extending new credit.

Read More
Brendan Harkness
Review of the Macy’s Credit Card and the Macy’s American Express Card
Brendan Harkness | Jan 01, 2019

The Macy's Credit Card and Macy's American Express Card are popular for their discounts at Macy's, but are they worth getting? Read our review to decide.

Read More