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Wells Fargo Secured Visa® Credit Card

Wells Fargo Secured Visa® Credit Card


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Over the Past 60 Days!

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  • APR 19.24% APR
  • Balance Transfer APR 19.24% APR
  • Cash Advance APR 24.24%
  • Annual Fee $25
  • Late Payment Fee Up to $37
  • Cash Advance Fee Either $10 or 5%, whichever is greater
  • Returned Payment Fee Up to $37
  • Balance Transfer Fee Up to 5%, with a minimum of $5
  • Foreign Exchange Fee 3% of each transaction converted to U.S. dollars
  • Minimum Interest Charge $1.00


Expert Reviews

From the Editorial Team

Secured cards are a great tool for consumers who are either trying to build credit for the first time or rebuild their credit. By making every month's payments on time, cardholders can build credit over time. The Wells Fargo Secured Visa Credit Card lets cardholders get used to using a credit card while they build their credit score. There is a minimum security deposit of $300, and an annual fee of $25. After a few months of responsible use, users can upgrade to a standard, unsecured credit card. As long as they have paid their balance off in full and there are no outstanding fees or charges, you can receive your full security deposit back. 

Expert Reviews of the Wells Fargo Secured Visa® Credit Card

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 2.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

This is a decent secured credit card for folks who are just starting to build credit. 

The Good

Your security deposit can be as much as $10,000 if you need a bigger line of credit.

The Not So Good

It's unfortunate that you have to pay an annual fee with this card, but that's pretty typical on credit cards for bad credit or no credit.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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