How to Activate My Wells Fargo Credit Card? Wells Fargo Credit Card Login, Customer Service, and More

Wells Fargo offers five different credit cards to its customers. Each of these credit cards comes with varying points of reward and benefits.


You must activate a credit card before you can use it anywhere. Let’s walk you through the process of how to activate a Wells Fargo credit card with different options, customer support, online banking, and more.

Where to Apply for a Wells Fargo Credit Card?

If you are an existing Wells Fargo account holder, you may receive a credit card offer directly. Simply responding to that offer can help you apply for a credit card with the bank.

You can choose one of the several easy methods to apply for a credit card. Before that, explore the range of credit cards available with Wells Fargo and the rewards on offer for each card.

Applying for a Wells Fargo credit card at a branch is the most convenient option. You can ask a customer support officer to complete the credit card application for you. All you have to provide is your identity and bank account number.

Then, you can call the customer support center of Wells Fargo bank and apply for a credit card by phone. You’ll need to provide identity proof, account number, and other information.

Another convenient option to apply for a Wells Fargo credit card is through online banking. You must register for online banking with your account details first.

Then, choose one of the five credit cards on offer and click on the “Apply Now” button. Fill out the online application form and submit it.

Wells Fargo will assess your credit card application by considering your bank account type and FICO credit score. Your credit score will also determine how much credit limit you get from the bank.

How to Activate the Wells Fargo Credit Card?

As soon as you receive a Wells Fargo credit card, you’ll need to activate it before you can use it. You have a few convenient methods to activate the credit card.

Online Activation

This option is more suitable for you if you applied for a Wells Fargo credit card online. Since you already have access to online banking, it is an easier way to activate your card.

  • Register for online banking or sign in with Wells Fargo online banking credentials.
  • Locate the credit card services tab from the menu.
  • Enter the credit card number in the relevant field.
  • Confirm the card with the CVV code (three-digit code on the back side of the card).
  • Enter your date of birth, the last four digits of your social security number, and other information.
  • Review the details and click on the confirm button to start the activation process.
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The online card activation process should complete in a few minutes and the card should be ready to use instantly.

Activation Through the Mobile App

You can use the same process outlined above to activate your Wells Fargo credit card through mobile banking too.

Wells Fargo mobile applications are available for IOS and Android devices. Then, register for a mobile banking account and create a mobile banking account.

Then, provide the credit card number and identity details to start the activation process. The activation process through the mobile app is similar to the one listed above.

By Phone

Another easy method to activate your credit card is by phone helpline. The customer support services to activate a credit card are available 24/7.

You can call Wells Fargo credit card customer care at 1-800-642-4720. You can follow the automated call menu or talk to a live customer service agent for help.

How to Make a Wells Fargo Credit Card Payment?

You must make credit card repayments as you start using. If you repay the full credit card amount within the interest-free cycle, there will be no interest charges.

You have a few convenient options to make a credit card payment. If you visit a Wells Fargo branch, you can ask the customer service agent to help you pay the credit card dues.

The customer services agent will confirm details like the bank account, amount, and identity. Your card payment should be instantly cleared through this method.

Here are a few other options for you.

Pay Online or through Mobile App

If you used an online banking account to activate the card, this method is an easy option for you. Sign-up for online banking with Wells Fargo if you haven’t already used this option.

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Locate the credit card payments link from the menu first. Then, select your credit card details and verify other information.

You can pay the minimum payable amount, credit card statement balance, or any other amount from your Wells Fargo bank account. Review and confirm the payment information to process the payment instantly.

You can follow the same steps to make a card payment through the mobile app too. You can also set auto payments for more convenience using online or mobile banking services.

Pay By Phone

You can call the credit card support center to clear the payments too. Use the number 1-800-869-3557 and follow the instructions.

You can follow the automated call menu for free or use a live call agent for further help. This method should also clear the credit card payment instantly for you.

Pay by Mail

Another convenient but relatively easier method to make a Wells Fargo credit card payment is by mail. You can send a paper check or money order to the bank for clearing the outstanding card bill.

Regular mail:

Wells Fargo Card Services

P.O. Box 51193

Los Angeles, CA 90051-5493

Express mail:

Lockbox Services 51193

Attn: WF Consumer Credit Card

3440 Flair Drive

El Monte, CA 91731

This method may longer to clear the bills, so keep the due date in mind before sending the payment instrument.

How to Manage Your Wells Fargo Credit Card Online?

Managing your bank account and credit card online offers several benefits. You can perform several tasks using online banking to save time.

Here are a few key credit card tasks that you can perform with Wells Fargo online banking.

  • View credit card transactions and statements.
  • Add or remove authorized credit card users.
  • Pay card bills conveniently and set up automatic payments.
  • Track card reward points and redeem options.
  • Transfer balance, check outstanding balance, and more.
  • Apply for supplementary cards, report lost or stolen cards, and replace cards.
  • Report any credit card disputes.
  • Add or remove your card to a digital wallet.
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There are several other types of transactions that you can perform apart from credit card management with the help of your online banking account.

How to Recover Your Wells Fargo Credit Card Credentials?

You can create a PIN code for your credit card easily by calling the helpline. You may need to recover this PIN or online account credentials if you no longer have access to them.

The easiest way to recover the credit card credentials is by calling the customer support center. Another method to recover your credit card credentials is to use the “forgot password/username” link on the online banking page.

Once you verify the password reset link, you’ll be able to reset the username or password of your account easily.

How to Cancel Wells Fargo Credit Card?

If you ever want to cancel your credit card, you must call the customer care helpline or visit a branch. You cannot cancel a credit card online.

Before you can cancel a card, clear any pending charges or outstanding bills. Then, contact the customer care helpline or ask the customer services agent at a branch to cancel your credit card.

How to Contact Wells Fargo Credit Card Customer Support?

You can use the phone helplines for dedicated bank services, email, or customer support at a branch to seek help on any issue.

For credit card inquiries, use the helpline number 1-800-642-4720. For online banking inquiries, you can call 1-800-956-4442.

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