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, but there are fees of $5 or 3% for balance transfers; cash advance fees of $10 or 5% for cash advances, and a 3% foreign transaction fee.
Wells Fargo also charges a fee of $12.50 or $20 for overdraft protection advance and late and returned payment fees of up to $37. Wells Fargo does not charge application or processing fees, over limit, or monthly “maintenance” fees. You can 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: Wells Fargo Secured, $25. Charged on every 12 months on your card anniversary date.
Balance Transfer: Introductory 3% of the amount transferred, or $5, whichever is greater, for 12 months on transfers within the first 120 days. Applies to the Propel, Signature Visa, Rewards, and Platinum cards. 5% and $5 after, and for all other Wells Fargo cards.
Cash Advance: 5% of the amount of each advance, or $10, whichever is greater. Applies to all Wells Fargo cards
Overdraft Protection Advances: $12.50 for total of $50 or less on the day of the advances; $20 for total advances more than $50. Applies to all Wells Fargo cards
Foreign Transaction Fee: 3% of all transactions outside of the U.S. or through an internationally-based merchant. Applies to the Signature Visa, Cash Wise, Rewards, Platinum, and Cash Back College Visa.
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. You can always choose a Wells Fargo card that does not charge a foreign transaction fee. Use your Wells Fargo card responsibly, and you’ll not get hit with late payment or returned check fees.
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