8
Benefits0
Reward Categories—
Max Reward26.2%
APR FromBasic Information
PENDINGProgram ID: wells-fargo-secured-credit-card
Issuer: Wells Fargo
Card Name: Wells Fargo Secured Credit Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Federal law provides protections for members of the Armed Forces and their dependents, capping the cost of consumer credit at an annual percentage rate of 36% (MAPR), which includes certain fees.
Rewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGBenefits & Protections (Detailed) 8 Total
PENDINGAccount Management 4
Online Account Access
Convenient online account managementSecurely manage your credit card account 24/7 online, including viewing statements, making payments, and monitoring transactions.
Mobile Banking Access
Mobile account managementAccess and manage your credit card account on the go using the Wells Fargo Mobile® app, available for smartphones and tablets.
Account Alerts
Real-time account notificationsReceive customizable alerts via email or text for important account activity, such as payment due dates, transactions, or balance updates, to help you stay informed.
Paperless Statements (eStatements)
Digital statement accessOpt for electronic statements to view your monthly statements securely online, reducing paper clutter and providing easy access to your financial records.
Financial Management 1
Credit History Reporting
Helps build credit historyWells Fargo reports your payment activity to the three major credit bureaus (Experian, Equifax, and TransUnion), which can help you build or rebuild your credit history.
Security 3
Zero Liability Protection
Protection against unauthorized transactionsYou won't be held responsible for unauthorized transactions made with your credit card when reported promptly. This protection applies to purchases made in stores, over the phone, or online.
Fraud Monitoring
Proactive fraud detectionWells Fargo actively monitors your account for suspicious activity to help prevent unauthorized use of your card.
Card Lock
Temporary card deactivationTemporarily lock your credit card to prevent new purchases, cash advances, and balance transfers if your card is misplaced or stolen. You can unlock it when you find it.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $25.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $25.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $1.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 3.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 26.24% - 26.24%
Balance Transfer APR: 26.24%
Cash Advance APR: 28.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Wells Fargo Secured Credit Card in 2026 requires applicants to be at least 18 years old (19 in Alabama and Nebraska), possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. mailing address. This card is primarily designed for individuals with limited or no credit history, or those actively rebuilding their credit. A security deposit, typically ranging from $300 to $2,500, is required. While this specific secured card generally does not offer a sign-up bonus, Wells Fargo maintains a broader issuer rule of 'one bonus per 15 months per card' across its credit card product line, which would apply if a bonus were offered on this or other Wells Fargo cards.
Max Cards Per Issuer: 1
Min Spend Interval: Not Applicable (Secured cards typically do not offer sign-up bonuses requiring minimum spend; their primary benefit is credit building.)
Cliff Effect Rules: Wells Fargo generally enforces a 'one bonus per 15 months per card' rule for sign-up bonus eligibility across its credit card portfolio. While this secured card typically lacks a bonus, this rule is part of the broader Wells Fargo ecosystem. Additionally, Wells Fargo has unwritten application rules, such as limiting new card approvals to approximately one every six months. The primary 'cliff effect' for this secured card is its potential to graduate to an unsecured product based on responsible usage and credit improvement over time.
Special Events: N/A
Holiday Promos: N/A
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Easy to get approved, helps build credit, good stepping stone to unsecured cards, reliable issuer.
Top Negative:
Low credit limit, no rewards, requires a security deposit, high APR once unsecured, customer service issues.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Discover it Secured Credit Card
- Capital One Platinum Secured Credit Card
- Chime Credit Builder Visa® Credit Card
Card Value Score: 80.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0