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Wells Fargo balance transfer credit cards

Request balance transfers as you apply for a card.

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Fact checked
Wells Fargo can be a good choice for balance transfers as it offers credit cards with attractive rewards and solid intro APRs. One card even has a zero-interest balance transfer intro APR that lasts a year and a half.

Compare Wells Fargo balance transfer credit cards

Wells Fargo balance transfer cards have intro balance transfer zero-interest periods ranging from six to 18 months.

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
Wells Fargo Platinum Card
0% intro for the first 18 months (then 15.49% to 24.99% variable)
Intro fee of $5 or 3%, whichever is greater, for 120 days from account opening, then $5 or 5%
670
Enjoy a 18 months intro APR period on purchases and balance transfers.
Wells Fargo Rewards® Card
0% intro for the first 15 months (then 12.49% to 25.49% variable)
$5 or 5% of the transaction, whichever is greater
670
Earn 5x points on gas, grocery, and drugstore purchases for the first 6 months on up to $12,500 and 1x points on all other purchases.
Wells Fargo Visa Signature® Card
0% intro for the first 15 months (then 12.49% to 25.49% variable)
670
Earn 5x points on gas, grocery, and drugstore purchases for the first 6 months on up to $12,500 and 1x points on all other purchases.
Wells Fargo Cash Wise Visa® Card
0% intro for the first 15 months (then 13.99% to 25.99% variable)
Intro fee of $5 or 3% of the transaction, whichever is greater for the first 120 days (then $5 or 5%)
670
$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Wells Fargo Propel American Express® Card
0% intro for the first 12 months (then 14.49% to 24.99% variable)
Intro fee of $5 or 3% of the transaction, whichever is greater for the first 120 days (then $5 or 5%)
670
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.
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How to apply for a balance transfer with Wells Fargo

  1. Compare Wells Fargo cards.
    Sort through Wells Fargo cards to find the best offer for your needs.
  2. Choose a card and verify its terms.
    On the Wells Fargo card page, scroll down and click the Terms and conditions dropdown. You can check the card’s balance transfer intro APR, ongoing APR and fees.
  3. Apply for the card.
    Click Apply now to start the application process. Start completing the form with your personal and financial details.
  4. Add balance transfer requests.
    You can request balance transfers as you apply for a card. There’s no limit to how many you can request, though your transfer amounts will be constrained by the credit limit you receive.
  5. Wait for approval.
    Oftentimes, you’ll receive an immediate decision on your application. If Wells Fargo needs to review your application further, wait seven to 10 business days to hear back.
  6. Wait for your balance transfer to complete.
    If you’re approved and your requests are accepted, Wells Fargo will start processing your balance transfers. As you wait for your transfers to complete, keep paying your creditors to avoid credit score drops and late fees.
  7. Make additional balance transfers.
    If you’d like to make more balance transfers, you can do so by logging in to your online account or calling the number on the back of your card.

How long will it take to complete a balance transfer with Wells Fargo?

If you’re approved for the card, expect your card in the mail within 10 business days. After you receive your card, allow another 10 business days for your transfer to complete.

Eligibility requirements

You can apply for a Wells Fargo card if you:

  • Are at least 18 years old.
  • Have a valid Social Security number or Individual Taxpayer Identification Number.

What do I need to apply?

Submit these details when you apply for a Wells Fargo card:

  • Full name
  • Permanent address
  • Email address and phone number
  • Citizenship status
  • Date of birth, Social Security number and mother’s maiden name
  • Employment information and total annual income

What are the benefits and drawbacks of a balance transfer with Wells Fargo?

Here’s why you might consider Wells Fargo for your balance transfer:

Pros

  • Intro APR up to 18 months. The Wells Fargo Platinum Card offers a 0% intro APR on purchases and balance transfers for 18 months. After that, a 15.49% to 24.99% variable applies. This is a good deal as intro APRs typically top out at around 21 months.
  • Potentially low ongoing APR. The Wells Fargo Platinum Card has an ongoing purchase and balance transfer APR as low as a 15.49% variable. You’ll have a better chance of qualifying for this rate if you have a good credit score.
  • Long intro APR qualifying window. With qualifying Wells Fargo cards, balance transfers made within the first 120 days of account opening are eligible for the intro APR. Other cards might require you to make transfers within 45 or 60 days to qualify for an intro APR.
  • College card has a balance transfer intro APR. It’s uncommon for college cards to have balance transfer intro APRs. Still, consider paying off your credit card debt consistently, which is often the difference between good and bad credit.

Here’s why you might not want to make a balance transfer with Wells Fargo:

Cons

  • High ongoing transfer fee. With eligible cards, the balance transfer fee is $5 or 3% of the transfer for the first 120 days from account opening. After that, you’ll pay a 5% transfer fee with a minimum of $5. This is higher than average.
  • No card with intro APR and $0 transfer fees. If that’s what you’re looking for, try the Chase Slate® credit card or BankAmericard® Credit Card.

Consider a balance transfer card from another brand

Citi® Diamond Preferred® Card

  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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What debts are eligible for a balance transfer with Wells Fargo?

You can transfer debt from…

  • Non-Wells Fargo credit cards

You can’t transfer debt from…

  • Wells Fargo credit cards

Can I transfer balances to another Wells Fargo card?

No. This policy is standard across most US banks. Issuers offer balance transfers in hopes of bringing new business in — not as perks for their existing customers.

I got the card. Now what?

  • Check that your balance transfer is complete. Log in to your Wells Fargo account and check your transaction history. You can also call Wells Fargo to verify your transfer has posted. Consider closing accounts with previous creditors.
  • Make timely payments. Keep up with your card bills to maintain your intro APR and avoid late fees. You may want to break up your transfer balance into monthly payments so you can pay it off before your intro APR expires.
  • Contact customer support. Call Wells Fargo credit card account management at 800-642-4720.

Bottom line

Wells Fargo has a strong stable of balance transfer cards. The longest intro you’ll find is 18 months, which is excellent. If you’re not sure a Wells Fargo card is ideal for you, consider balance transfer options from other issuers.

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