Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
The Wells Fargo credit card fees include the standard array of basic charges and usage costs. Most Wells Fargo credit cards will spare you the annual fee. However, some cards will charge balance transfer fees of 3% intro for 120 days, then up to 5% (min $5); cash advance fees of Refer to Rates & Fees, and 3% foreign transaction fees.
Wells Fargo also charges late payment and returned payment/check fees of up to $40. The issuer does not charge application/processing fees, over limit, or monthly fees. You can check Wells Fargo’s list of credit card fees on your statement and in the card’s terms and conditions.
Here are the Wells Fargo credit card fees:
- Annual fee: Most Wells Fargo credit cards benefit from $0 annual fees.
- Balance Transfer: Most Wells Fargo credit cards have a balance transfer fee of 3% intro for 120 days, then up to 5% (min $5). Wells Fargo Business cards, on the other hand, have a 4% (min $10) balance transfer fee.
- Cash Advance: Refer to Rates & Fees. Applies to most Wells Fargo cards. The Wells Fargo Business cards, on the other hand, charge a 4% (min $10) cash advance fee.
- Foreign Transaction Fee: Either 3% or $0 of all transactions outside of the U.S. or through an internationally based merchant, depending on the card.
- Late Payment and Returned Payment/Check Fees: Up to $40 for most cards. The Wells Fargo Business Elite Signature Card, on the other hand, charges a late fee of up to $75. And the Wells Fargo Business Platinum Credit Card comes with a late fee of up to $50.
Fees are the cost of doing business when you have a Wells Fargo credit card. How much they’ll affect you depends on how you use the card. You can avoid balance transfer and cash advance fees simply by not making those transactions.
Use your Wells Fargo card responsibly, and you’ll not get hit with late payment or returned check fees. Also, make sure you take a look at the best Wells Fargo credit cards and pick one whose rewards suit your spending habits.

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