Wells Fargo 0 Balance Transfer Credit Card
0% presentation APR for 18 months from account opening at appropriate purchase and transfer balance. APR presentation extension up to 3 months with small payments that arrive on time during the presentation and overtime. 13.24% to 25.24% variable APR afterwards. Transfers of balance made within 120 days are eligible for presentation rate and payment.
Wells Fargo 0 Balance Credit Card – Cash Wise Visa Card has a 0% interest rate for 15 months.
How to make a transfer transfer with Wells Fargo
There are three ways to complete the Wells Fargo balance transfer. If you apply for a new Wells Fargo balance transfer card, you can start transferring balance to the card during the application process.
If you already have a Wells Fargo balance transfer card, you can request a transfer online or over the phone. In each case, you will need to provide a 15- or 16-digit credit card number and the balance you would like to transfer to Wells Fargo, as well as the amount of money you would like to transfer to the existing credit card balance on your Wells Fargo credit card.
If you want to make a Wells Fargo balance transfer online, log in to your Wells Fargo credit card account and select “Accounts” followed by “Request Balance Transfer.” If you want to balance Wells Fargo by phone, call 1-800-642-4720. You can also visit the Wells Fargo banking site to learn more about your balance transfer options.
Want to know more about how to make money with Wells Fargo? Here are some tips and tricks that can help you in this process:
Apply for a Wells Fargo credit card transfer
Before you can make any remaining money with Wells Fargo, you will need a Wells Fargo credit card transfer. We have suggestions for the best balance transfer cards at Wells Fargo below, so if you do not already have one of the top cards in your wallet, you may want to consider applying for a new credit card.
There are some restrictions on who can get a Wells Fargo credit card. In most cases, you need to have good credit (at least 670) and an interest rate of less than 36 percent.
It is also important to note that if you have already worked with the Wells Fargo reception offer for the past 15 months — either a registration bonus or a 0% APR presentation — you may not be eligible for the APR presentation at the new Wells. Fargo card.
Make a transfer of your balance within 120 days
If you want to take advantage of your APR card balance balance of 0% APR rate, you need to transfer your balance within 120 days of opening your credit card — otherwise you will not receive a 0% APR introduction on your transferred balance.
You can also save money on balance transfer payments by transferring your balance on time. If you complete the balance transfer within the first 120 days, you will pay 3% ($ 5 minimum) for the qualifying balances you transfer. After 120 days, you will pay up to 5% of the transfer balance ($ 5 minimum). This gives you two good reasons to transfer the balance to Wells Fargo very quickly.
Have a plan to pay off your transferred balance
Completing the balance transfer is only the first step in eliminating the old credit card debt. You also need to pay your transfer balance — preferably, before your 0% induction APR time expires. With that in mind, you will want to make a plan.
If you want to pay your balance before the expiration of the lower APR presentation, how much should your monthly payment be? Would you be able to pay that amount on your Wells Fargo balance sheet credit card every month, or would you need to reduce other forms of spending to make payments?
Bankrate balance transfer calculator can help you plan ahead and make wise monthly payments that allow you to pay your balance before it starts to accumulate interest. You may also want to create a budget that allows you to prioritize your credit card payments to balance the balance without any of your other financial obligations.
What you should know after completing a balance transfer with Wells Fargo
Here are a few things you need to know about Wells Fargo’s credit card transfer:
- The balance transfer process is usually easy to start, and it only takes a few steps to request a transfer transfer with Wells Fargo.
- That being said, the transfer of balance takes time to complete. Expect it to take at least a week — and possibly 21 days — before your Wells Fargo transfer can be made.
- While you wait for your balance transfer to complete, you need to continue paying with your old credit cards. Missing credit card payments during the transfer period can damage your credit score.
- You can still borrow money from your old credit cards even after your balance transfer is complete, due to the interest accrued during the balance transfer process. Look at your credit card statements carefully, and make sure you pay any late interest payments.
How to check the status of your Wells Fargo balance transfer
To check Wells Fargo balance transfer status, log in to your Wells Fargo account and view your current balance. Does it include the amount you withdraw from another credit card? If so, it means your transfer is complete. If your Wells Fargo account does not reflect your transfer balance, you can contact your credit card issuer to learn more about the situation — but it is a good idea to wait at least a week before requesting a status update.
The best credit cards in Wells Fargo’s 2022 balance sheet
Wells Fargo ReflectSM Card
- 0 percent APR presentation for 18 months on the appropriate purchase and transfer made in the first 120 days of card opening (followed by 13.24 percent to 25.24 percent of ongoing APR flexibility)
- Get a three-month APR presentation for a total of up to 21 months with small payments that arrive on time for your presentation time and extended periods.
- No annual fee
The Wells Fargo Reflect card provides the longest 0% APR for all Wells Fargo cards. You will have at least 18 months to pay your transferred balances without accruing interest. And as a reward for your responsible habits, you will receive a three-month extension if that 18-month period expires if you make all your small payments on time.
You will not win any cash prizes with the Wells Fargo Reflect Card, but you will get one of the best APR times with zero interest on the market right now. So if you are looking for a balance transfer credit card that gives you plenty of time to pay off your transferred balances, keep the Wells Fargo Reflect Card in mind.
Wells Fargo Active Cash Card
- 0% 15% presentation APR on purchases from account opening and transfer balance due from account opening (15.24 percent to 25.24 percent APR alternating thereafter)
No annual fee
- 2 Cash prizes unlimited on purchase
- Earn $ 200 cash prize bonus after spending $ 1,000 on purchases for the first three months
If you like low interest rate credit cards, consider the Wells Fargo Active Cash card. The Active Cash presentation time for APR is a few months shorter than that of the other cards in this list, but offers 2% unlimited rewards on purchases. If you are looking for a card that will be valuable long after the balance has been paid, Wells Fargo Active Cash may be a good choice for you.
The card charges a flexible APR of 15.24 to 25.24 percent when the APR introduction period expires, so make sure you pay your balance balance and your new expenses up front.
Wells Fargo Platinum Card (no longer available) *
- 0% 18-month presentation APR on eligible purchase and transfer balance made within the first 120 days of account opening (16.49 percent to 24.49 percent APR varies thereafter)
- No annual fee
With the launch of the Wells Fargo Reflect Card, the Wells Fargo Platinum * card is no longer available. The Platinum Card provided the same 18-month period of APR presentation as the Reflect card. However, the Reflect Card is a development from Platinum with its three-month expansion period in the APR presentation period and a low variable APR range. On the other hand, the cards are almost identical.
Frequently Asked Questions
Can you transfer money via Wells Fargo online?
Yes, you can complete Wells Fargo online transfer. If you want to make an online balance transfer with Wells Fargo, first login to your Wells Fargo online account. Select “Accounts” to open the drop-down menu, then select “Request Balance Transfer” from that menu. This allows you to start the process of transferring balance to your Wells Fargo credit card.
Is there a limit to Wells Fargo balance transfer?
If you transfer the balance to a Wells Fargo credit card, the balance will not exceed your available credit limit. Knowing your credit limit limits will help you make wise decisions about which balances to transfer to your card. If you are able to transfer only one of your remaining credit card debt to your Wells Fargo balance transfer card, for example, you may want to transfer credit at a higher interest rate.
Can you transfer the balance from one Wells Fargo card to another?
No, you cannot transfer the balance from Wells Fargo’s credit card to another. As a rule, you can only transfer the balance between credit cards and different card issuers.
This means you can transfer Chase credit card balance from Wells Fargo credit card, Citi credit card balance to Wells Fargo credit card or Wells Fargo credit card to Chase or Citi card – but you can’t to transfer the balance from it. Wells Fargo card in another Wells Fargo card.
How do you transfer balance to Wells Fargo credit card?
Want to know how to transfer money from Wells Fargo to another credit card? Just select a high-quality credit transfer card issued by a different credit card issuer, and follow the steps of the issuer to transfer your Wells Fargo credit card balance.