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 your FICO Score 9 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 21.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $300
Maximum Credit Limit $10,000
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 21.24% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.24% 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.

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