Wells Fargo Balance Transfer Credit Cards
WalletHub makes it easy to find the best Wells Fargo balance transfer credit card for you.
Most Wells Fargo credit cards offer 0% introductory APRs on balance transfers. And they all require good or excellent credit for approval. But they’re not all the same. In order to help people find the best cards for their needs, WalletHub’s editors compared all of the available offers based on how long they offer 0%, how much they charge in balance transfer fees and more. You can see their picks below. You can also check your latest credit score for free on WalletHub to see which Wells Fargo Balance Transfer offers you’re likely to be approved for.
Best Wells Fargo Balance Transfer Credit Cards:
- Wells Fargo Platinum card - Best for Overall
- Wells Fargo Cash Wise Visa® card - Best for Cash Back
- Wells Fargo Visa Signature® Card - Best for Excellent Credit
- Wells Fargo Rewards® Card - Best for Rewards
- Wells Fargo Cash Back College℠ Card - Best for Students
- Pay down balances instead of interest with Wells Fargo's longest intro APR
- $0 Annual Fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
- Easy access to your FICO® Credit Score with Wells Fargo Online®
- Zero Liability protection for promptly reported unauthorized transactions
- Convenient tools to help create a budget and manage your spending with My Money Map
- See More Details & Reviews About TheWells Fargo Platinum card
- Earn a $150 cash rewards bonus after spending $500 in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
- No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
- Earn 3X points on eating out and ordering in
- Earn 3X points on travel including flights, hotels, homestays and car rentals
- Earn 3X points on gas stations, rideshares and transit
- Earn 3X points on popular streaming services
- Earn 1X points on other purchases
- $0 annual fee and no foreign currency conversion fee
- See More Details & Reviews About TheWells Fargo Propel American Express® card
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What is the best Wells Fargo credit card for balance transfers?
The Wells Fargo Platinum card is the best Wells Fargo credit card for balance transfers overall. It’s tied for the longest 0% intro period and the lowest fees, and it offers high approval odds for the most people. But if you have excellent credit, the Wells Fargo Visa Signature® Card and Wells Fargo Rewards® Card are great options, too. And the only option available for less-than-good credit is the Wells Fargo Cash Back College℠ Card, but you obviously need to be a student to get it. You can learn more about each of the top picks below.
2020’s Best Wells Fargo Credit Cards for Balance Transfers:
| Credit Card | Best For | 0% Intro Balance Transfers for | Balance Transfer Fee | Annual Fee |
| Wells Fargo Platinum card | Overall | 0% for 18 months on qualifying balance transfers | 3% for 120 days, then 5% | $0 |
| Wells Fargo Cash Wise Visa® card | Cash Back | 0% for 15 months on qualifying balance transfers | 3% for 120 days, then 5% | $0 |
| Wells Fargo Visa Signature® Card | Excellent Credit | 0% for 15 months | 3% (min $5) | $0 |
| Wells Fargo Rewards® Card | Rewards | 0% for 15 months | 3% (min $5) | $0 |
| Wells Fargo Cash Back College℠ Card | Students | 0% for 6 months | 3% (min $5) | $0 |
Most of these cards require good or excellent credit for approval. So you may want to check your free credit score on WalletHub before you apply.
Questions & Answers
Comparing wells fargo balance transfer credit cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
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Can you do a Wells Fargo balance transfer with Wells Fargo credit card debt? Reply
No, you cannot transfer Wells Fargo credit card debt to another Wells Fargo credit card. In fact, no credit card company allows this. It just wouldn’t make sense from the card issuer’s perspective. Such a practice would simply amount to a free interest-rate reduction for an indebted customer. It would be a money-losing proposition from the start, without the benefit of acquiring a new customer.
With that being said, Wells Fargo balance transfer policies are pretty generous. Some credit card companies only allow you to transfer credit card debt from other issuers. Wells Fargo goes beyond that and lets you transfer other types of consumer debt.
How do I request a Wells Fargo credit card balance transfer? Reply
To request a Wells Fargo credit card balance transfer, fill out Wells Fargo’s online balance transfer form, call customer service at 1-800-400-9423 or visit a Wells Fargo branch. Wells Fargo will require information about the account you want to transfer the balance from, such as the name of the lender and the account number, as well as the amount you want to transfer. The available credit on your Wells Fargo credit card must be able to accommodate the balance plus a balance transfer fee.
Once you submit your Wells Fargo credit card balance transfer request, you will get an email confirming that Wells Fargo received it. Then, within 7 to 10 business days, you will be notified if the transfer has been accepted. In the meantime, you should continue to make any required payments on the account from which you are transferring the balance.
If you don’t yet have a Wells Fargo credit card, there will be an opportunity to request a balance transfer on the application. You’ll just need to provide the same information as existing cardholders – the details of the account from which you want to transfer the balance and the amount. When you find out your approval status, you should also find out whether the transfer was approved.
A Wells Fargo credit card balance transfer is a good way to pay off a variety of existing debts. You can transfer balances from credit cards, personal loans, personal lines of credit, auto loans and home equity loans. However, you cannot transfer a balance from one Wells Fargo account to another.
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.