How to transfer my credit card balance to another card

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KNOWLEDGE BASE
What happens if the credit limit is lower than the total balance transfer requests and fees?
How much is the balance transfer fee?
How long would the balance transfer take to post to my credit card account?
Will I be able to cancel a credit card balance transfer after I submit the request?
Can I request a balance transfer after I get approved for a Wells Fargo credit card?
When will the balance transfer request impact my available credit on my account?
I would like to transfer a balance from one Wells Fargo credit card account to another Wells Fargo credit card account. How can I do that?
When will the funds be available in my checking account after depositing my balance transfer SUPERCHECKSTM?
Am I able to get additional balance transfer SUPERCHECKS?
How can I transfer money from my credit card to another credit card?
Do balance transfers hurt your credit?

KNOWLEDGE BASE

Managing your money is important and we want to help. If you've decided to transfer the balance from an external account to your credit card, follow the steps below. If the option to transfer a balance isn't available through digital banking, please call us at 800-285-8585 and any banker can assist. We accept relay calls.

Online banking steps:

For the best online experience, we recommend logging in at usbank.com.

Select My Accounts, then choose your credit card.
Choose the Account services tab, then select Balance transfer from the Payments section.
Review the offers shown; when you find one you want, select Choose this offer.
Choose a payee or enter one from the drop-down menu.
Enter the requested information below, then choose Continue when done. If you're having trouble finding this, contact the financial institution's customer service department.
- Payee address
- Account number to be paid
- The amount to transfer
- Select Add another transfer if you have multiple payees,
Review your balance transfer information. Then select, View balance transfer terms and conditions.
If the information is correct and once you've viewed the terms, choose Submit.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

From the main menu select Manage card.
Select your credit card, then choose Transfer a balance from the Control section.
Review the offers shown; when you find one you want, select Choose this offer.
Choose a payee or enter one from the drop-down menu.
Enter the requested information below, then choose Continue when done. If you're having trouble finding this, contact the financial institution's customer service department.
- Payee address
- Account number to be paid
- The amount to transfer
- Select Add another transfer if you have multiple payees,
Review your balance transfer information. Then select, View balance transfer terms and conditions.
If the information is correct and once you've viewed the terms, choose Submit.

Additional information

Balance transfers can't be used to pay off or down any account issued by U.S. Bank. Balance transfers do not earn rewards.

If you have any questions, please refer to your card member agreement or call the number on the back of your card.

Contact us

See if a balance transfer is right for you.

You could pay less interest by transferring balances from other higher-rate credit cards to a Wells Fargo Credit Card. You might also lower your overall monthly payments and turn multiple bills into one easy payment. Balance transfer fees may apply.

A balance transfer can give you the flexibility to:

Pay off high-interest balances
Fund large expenses, such as home improvements
Cover emergencies and other unplanned expenses
Pay an individual

Balance Transfer Frequently Asked Questions

What happens if the credit limit is lower than the total balance transfer requests and fees?

If the balance transfer amount(s) you request plus fees is greater than your available credit limit, we may send less than the amount requested, or no amount, to your creditor(s).

How much is the balance transfer fee?

Please see the Important Credit Terms for the most current balance transfer fee information.

How long would the balance transfer take to post to my credit card account?

It may take up to 14 days from the date your account is approved for the balance transfer request be posted to your account.

Will I be able to cancel a credit card balance transfer after I submit the request?

You will have 10 days from account opening to cancel a balance transfer request if you no longer want to transfer a balance. If you need to cancel a balance transfer, please call 1-800-642-4720.

Can I request a balance transfer after I get approved for a Wells Fargo credit card?

Once you are approved for a Wells Fargo credit card and receive your card in the mail, if eligible, you may be able to request a balance transfer in your online account, over the phone, or by using the balance transfer SUPERCHECKSTM if included when you received your card.

When will the balance transfer request impact my available credit on my account?

Balance transfer requests may take up to 14 days to reflect in your account balance and credit limit.

Consider the requested balance transfer amount plus the transfer fee when using your card to make purchases to avoid the balance transfer being fulfilled for a lower amount.

I would like to transfer a balance from one Wells Fargo credit card account to another Wells Fargo credit card account. How can I do that?

Balance transfers are not available between credit card accounts issued by Wells Fargo or any of its affiliates.

When will the funds be available in my checking account after depositing my balance transfer SUPERCHECKSTM?

Funds are typically available the next business day when deposited into a Wells Fargo account. Balance transfer SUPERCHECKS may take up to five business days for funds to be available if deposited into a non-Wells Fargo checking account.

Am I able to get additional balance transfer SUPERCHECKS?

Balance transfer SUPERCHECKS cannot be ordered or re-sent. If you want to request a balance transfer but do not have SUPERCHECKS, you may access your account online to complete your balance transfer, or call 1-800-642-4720.

Is a balance transfer available for your Wells Fargo credit card? Check Now

How can I transfer money from my credit card to another credit card?

Contact the new credit card company to do the balance transfer. The best way to transfer a credit card balance is by contacting the new credit card company with the balance transfer request. You can typically do a balance transfer over the phone or online.

Do balance transfers hurt your credit?

A balance transfer can affect your credit score, depending on 1) if you open a new card to transfer a balance and 2) what you do once your balances have been transferred. If you simply move your balances around on your existing cards, your credit score likely won't be impacted.