Is Wells Fargo Secured Credit Card worth it?
Wells Fargo Secured Credit Card can be a fit for people comparing secured cards from Wells Fargo. The main things to weigh are the $25 annual fee, the rewards structure, and whether the benefits match your spending habits.
Rewards breakdown
Wafacard summary: this credit-building card should be compared by its annual fee, issuer terms, reward fit, and benefit usefulness for your normal spending.
Intro offer: Check the issuer page for any current introductory offer and eligibility rules.
Card details
Wafacard note: key fit signals include cell phone protection may be available. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $25
- Purchase APR
- APR range: 18.99%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- APR range: 25.74%
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Up to $40.00
- Grace period
- 25 days
- Recommended credit
- Limited/Building Credit
- Terms last updated
- 6/22/2026
Key benefits
- Cell phone protection may be available