The fastest way to pay your Wells Fargo credit card

You can pay your Wells Fargo credit card through the Wells Fargo website, the Wells Fargo mobile app, or by phone. The website and app let you pay when ready and see your payment post within one business day. If you pay by phone, you'll call 1-800-869-3557 and speak to a representative who can process a payment on the spot.

You can also set up automatic payments so the same amount comes out of your bank account on the same day each month — this works even if your bank account is at a different bank. Payments made before 5 p.m. ET on a business day typically post the next business day.

Key Takeaways

  • Wells Fargo credit card payments can be made online, through the mobile app, by phone, or by mail, and most methods post within one business day.
  • You can set up automatic payments from any bank account, not just a Wells Fargo account, to pay the same amount on the same date each month.
  • Payments made before 5 p.m. ET on a business day post the next business day; weekend and holiday payments post the following business day.
  • If you mail a check, allow 7 to 10 business days for the payment to reach Wells Fargo and post to your account.
  • You can pay more than your minimum payment at any time without penalty, and paying early can lower your interest charges.

Paying online or through the Wells Fargo mobile app

Log into your Wells Fargo account on wellsfargo.com or open the Wells Fargo mobile app. Select your credit card account, then look for a "Pay" or "Make a Payment" button. Enter the amount you want to pay and choose the date — you can pay today or schedule a payment for a future date.

You'll see the payment method options: you can pay from a Wells Fargo checking or savings account, or from an account at another bank. If you choose another bank's account, you'll need to enter the routing number and account number. After you confirm the details, the payment is submitted when ready.

Payments submitted before 5 p.m. ET on a business day post the next business day. If you submit a payment after 5 p.m. ET or on a weekend or holiday, it posts the next business day after that.

Setting up automatic payments

Automatic payments take the guesswork out of remembering a due date. In the Wells Fargo app or website, go to "Payments" and select "Set Up Automatic Payments." Choose your credit card account, then decide whether you want to pay a fixed amount each month (like your minimum payment) or the full statement balance.

Pick the date you want the payment to come out each month — this can be any day between the 1st and the 28th. Enter the bank account you want the payment to come from (this can be at Wells Fargo or another bank), and confirm. The payment will happen automatically on that date each month until you cancel it.

If your due date falls on a weekend or holiday, Wells Fargo will process the automatic payment on the business day before. This protects you from late fees even if the due date itself is not a business day.

Paying by phone

Call 1-800-869-3557 to speak with a Wells Fargo representative. Have your credit card number and the bank account you want to pay from ready. The representative will ask how much you want to pay and confirm the payment method.

Phone payments are processed when ready and post within one business day, just like online payments. You can pay from a Wells Fargo account or from an account at another bank — the representative will ask for the routing number and account number if you're paying from outside Wells Fargo.

Paying by mail

You can mail a check to the address on your credit card statement. Write your credit card number on the check and include it in an envelope with your statement stub if you have one. Mail the check to the address listed under "Payment Address" on your statement.

Mailed payments take 7 to 10 business days to arrive and post. Because of this delay, mailing a check is the slowest way to pay. If your payment is due soon, use online, app, or phone payment instead to make sure it posts on time and you avoid a late fee.

What happens after you pay

Once your payment posts, your available credit increases by the amount you paid. Your credit card balance decreases, and your interest charges for the next billing cycle are calculated on the lower balance. If you paid more than the minimum, you'll pay less interest overall.

You can check your payment status in the Wells Fargo app or website. Look for "Payment Status" or "Recent Payments" to see whether your payment has posted. If you scheduled a future payment, you can cancel or change it up until the payment processes.

Paying more than the minimum

There is no penalty for paying more than your minimum payment or paying early. In fact, paying more than the minimum lowers the amount of interest you owe. If you pay the full statement balance before the due date, you won't owe any interest on that balance.

You can make multiple payments in a single month if you want to. Some people pay when they get paid, others pay when they make a large purchase. Wells Fargo does not charge a fee for extra payments, and each payment posts within one business day.

Frequently Asked Questions

What time does my payment need to be submitted to post the same day?

Payments submitted before 5 p.m. ET on a business day post the next business day. There is no same-day posting option. If you submit a payment after 5 p.m. ET or on a weekend or holiday, it will post on the following business day.

Can I pay my Wells Fargo credit card from a bank account at another bank?

Yes. When you choose to pay online, through the app, or by phone, you can select a bank account from another financial institution. You'll need to provide the routing number and account number. The payment will be processed from that account just as it would from a Wells Fargo account.

What if I miss my due date?

If your payment does not post by the due date, Wells Fargo will charge a late fee. The amount depends on your account terms. You can still make a payment after the due date to stop additional late fees from building up. Contact Wells Fargo if you have questions about late fees on your account.

Can I cancel an automatic payment?

Yes. Log into the Wells Fargo app or website, go to "Payments," and select "Manage Automatic Payments." Find the automatic payment you want to cancel and select the option to stop it. The cancellation takes effect when ready, and no further automatic payments will be processed.

Is there a fee to pay my credit card?

No. Wells Fargo does not charge a fee for credit card payments made online, through the app, by phone, or by mail. You can make as many payments as you want without paying a fee.