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Wells Fargo balance transfer credit cards

Compare your options and request a balance transfers as you apply for a card.

Compare Wells Fargo balance transfer credit cards using our table. Select up to four cards to see how they stack up side-by-side. You can also click "Show filters" to narrow your search to browse products that fit your credit score range and have features that will serve your financial needs best.

Name Product Amount saved Balance transfer APR Balance transfer fee Minimum Credit Score Filter values
Wells Fargo Cash Back College℠ Card
0% intro for the first 6 months (then 11.15% to 21.15% variable)
$5 or 5% of the transaction, whichever is greater
Earn 3% back on gas and groceries for the first 6 months. Then earn 1% on those purchases and on everything else.
Wells Fargo Cash Wise Visa® Card
0% intro for the first 15 months (then 14.49% to 24.99% variable)
For each transfer: 3% intro fee ($5 min) in first 120 days, after that 5% ($5 min)
$150 cash rewards bonus when you spend $500 in purchases in the first 3 months.
Wells Fargo Platinum Card
0% intro for the first 18 months (then 16.49% to 24.49% variable)
Intro fee of $5 or 3%, whichever is greater, for 120 days from account opening, then $5 or 5%
Enjoy a 18 months intro APR period on purchases and balance transfers.

Compare up to 4 providers

Wells Fargo balance transfer cards have 0% intro APR periods ranging from 6 to 18 months. Depending on your financial situation and your needs, you can either settle for a shorter intro APR period plus rewards or go for a longer intro APR period without rewards. One card even has a zero-interest balance transfer intro APR that lasts a year and a half, while another is a student credit card.

How to complete a Wells Fargo balance transfer

  1. Compare Wells Fargo cards. Sort through Wells Fargo cards to find the best offer for your needs.
  2. Choose a card. 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. Request a balance transfer. 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.

Note: You can also request a balance transfer after you received your credit card. Call 800-642-4720 to initiate a balance transfer.

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

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

Details you need to know before getting started

Even though transferring your balance with a Wells Fargo credit card is a straightforward process, you have to keep an eye on the following:

  • Balance transfer fees. All Wells Fargo balance transfer cards come with a 3% fee of the amount with a minimum fee of $5 for all transfers completed during your first 120 days of card membership. After that, any balance you transfer will cost you 5% of the amount. This means that for a $5,000 balance transfer, you’ll pay a $150 fee during the first 120 days and $250 fee after that.
  • 0% Intro APR period. To use the 0% intro APR period, you must complete your balance transfers during your first 120 days when you open your account. Any transfers made after that will accrue the revert APR of between 11% and 25%, depending on the card and your creditworthiness.
  • Balance transfer amount. Wells Fargo doesn’t disclose the amount you can transfer, but this is often either up to 95% or 100% of your available credit limit.
  • What happens after the intro APR period ends? You start to accrue interest to any unpaid balance.
  • No rewards. Balance transfers are among the few credit card transactions that don’t earn any rewards, no matter the kind of card you have.

Benefits and drawbacks of a balance transfer with Wells Fargo

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


  • 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 16.49% to 24.49% 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 16.49% 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:


  • 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 BankAmericard® Credit Card.

Alternatives to Wells Fargo balance transfer cards

Wells Fargo offers a decent selection of balance transfer cards. But sometimes, it just may not be the right card for your needs. In this case, consider Citi balance transfer cards. Citi cards often come with some of the longest intro APR periods on balance transfers you can find.

For example, the Citi Double Cash card offers 18 months of 0% intro APR period on balance transfers and a variable 13.99% to 23.99% APR after that. Additionally, you get to earn 1% back on all purchases and an additional 1% back when you pay your balance for a total of 2% back on every purchase you make. This is one of the highest cashback rates you can earn with a balance transfer credit card.

Citi® Diamond Preferred® Card
A top alternative for a balance transfer
Citi® Diamond Preferred® Card

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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