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With the Wells Fargo Secured Card, you get a variable 19.24 percent APR on purchases, which is a teeny bit higher than it used to be.It still isn’t too shabby for this category, but try not to carry a balance.You get protection for up to 0 on a cell phone against covered damage or theft.There’s a deductible, but really, that’s a nice benefit. Since I originally reviewed this card several years ago, there’s a wealth of information in the comments section below.Note that this card offers a 25-day grace period, which is excellent.APR for purchases: You get a variable 19.24 percent. Overdraft protection advances: If you decide to link your account to a checking account for overdraft protection, here’s the fee structure: If the total of overdraft protection advances for the day is or less, then the fee is .50.Overall, the Wells Fargo Secured Card is a pretty good choice, especially if you already bank with Wells Fargo.And you get a unique benefit if you pay your cell phone bill with your Wells Fargo Secured Card.

It’s a pretty good card and I’m keeping it in the top-tier section of The Best (and Worst) Secured Credit Cards. The required deposit for the Wells Fargo Secured Card is 0, but you can go up to a maximum of ,000, if you wish to.You’ll find a few comments that state that the deposit was difficult to get back in a timely manner.I found a section in the fine print that says that Wells Fargo might hold the funds in your collateral account for to make sure there aren’t any remaining transactions that need to clear.So just be aware that getting the deposit back may take awhile.It’s certainly not ideal, but it isn’t unusual for a secured card.

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