Wells Fargo Platinum Visa review

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Advertiser Disclosure

Interest Rate: Purchases
17.49% ‐ 26.99% (Variable) (0% for the first 18 months)
Balance Transfer
17.49% ‐ 26.99% (Variable) (0% for the first 18 months)
Rewards
-
Signup Bonus
-


8.5/10
Informr score
The Wells Fargo Platinum Visa currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 17 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Wells Fargo Platinum Visa is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Compare Cards

This card provides a solid intro APR and no annual fee. If that's all you're looking for in a credit card, then this one is a great fit. With an intro APR of 0% for 18 months, this card is perfect for financing a big purchase or saving money on qualifying balance transfers.

- Compare Cards
CreditCards.com

When it comes to paying down credit card debt, the Wells Fargo Platinum Visa card is one of the best cards out there. Its 18-month 0-percent intro APR (then 13.74-27.24% variable) and no annual fee give you the cushion you need to make progress.

- Emily Sherman, CreditCards.com
LendEDU

The Wells Fargo Platinum Card is a good option for those who have high-interest debt and are looking to transfer their balances. However, there are better cards out there which offer things like sign-up bonuses, rewards points, longer 0% introductory APRs or no balance transfer fee. For that reason,...

- Amanda Reaume, LendEDU
Cardcruncher

The Wells Fargo Platinum Visa Card is a solid choice for those trying to get a handle on their credit card debt. There’s no opportunity to earn rewards for this card, so it’s not ideal if you’re hoping to earn cash back or points that can be redeemed for travel. However, it does have perks that will...

- Cardcruncher
Cardcruncher

The Wells Fargo Platinum Credit Card appeals primarily to people trying to pay down credit card debt who want some travel perks. The card doesn’t shine in either area, and the fact that it doesn’t earn rewards means it has little value once the 0% APR period is up.

- Kailey Fralick, Cardcruncher

Details


Interest Rates
Regular APR Interest Rate 17.49% ‐ 26.99% (Variable) (0% for the first 18 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.49% ‐ 26.99% (Variable) (0% for the first 18 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

of each transaction in U.S. dollars.

Over Limit Fee $20.00

If greater than $50, $12.50 if less.

Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus No
Rewards
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders No
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Additional Benefits

- Cellphone protection

- Roadside Assistance

- Overdraft Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

A simple credit card with no annual fee and a lengthy intro APR

Compare Cards

This card provides a solid intro APR and no annual fee. If that's all you're looking for in a credit card, then this one is a great fit. With an intro APR of 0% for 18 months, this card is perfect for financing a big purchase or saving money on qualifying balance transfers.

Read full review

This card provides a solid intro APR and no annual fee. If that's all you're looking for in a credit card, then this one is a great fit. With an intro APR of 0% for 18 months, this card is perfect for financing a big purchase or saving money on qualifying balance transfers.

Read full review

Less

CreditCards.com

This one can save you hundreds in the long run

from CreditCards.com

When it comes to paying down credit card debt, the Wells Fargo Platinum Visa card is one of the best cards out there. Its 18-month 0-percent intro APR (then 13.74-27.24% variable) and no annual fee give you the cushion you need to make progress.

Read full review

When it comes to paying down credit card debt, the Wells Fargo Platinum Visa card is one of the best cards out there. Its 18-month 0-percent intro APR (then 13.74-27.24% variable) and no annual fee give you the cushion you need to make progress.

Read full review

Less

LendEDU

A good balance transfer card

from LendEDU

The Wells Fargo Platinum Card is a good option for those who have high-interest debt and are looking to transfer their balances. However, there are better cards out there which offer things like sign-up bonuses, rewards points, longer 0% introductory APRs or no balance transfer fee. For that reas...More

The Wells Fargo Platinum Card is a good option for those who have high-interest debt and are looking to transfer their balances. However, there are better cards out there which offer things like sign-up bonuses, rewards points, longer 0% introductory APRs or no balance transfer fee. For that reason, this might not be the best card for you.

Read full review

Less

Cardcruncher

Will appeal to people trying to pay down credit card debt, but it doesn’t have much else to offer

The Wells Fargo Platinum Visa Card is a solid choice for those trying to get a handle on their credit card debt. There’s no opportunity to earn rewards for this card, so it’s not ideal if you’re hoping to earn cash back or points that can be redeemed for travel. However, it does have perks...More

The Wells Fargo Platinum Visa Card is a solid choice for those trying to get a handle on their credit card debt. There’s no opportunity to earn rewards for this card, so it’s not ideal if you’re hoping to earn cash back or points that can be redeemed for travel. However, it does have perks that will appeal to travelers, including rental car coverage and travel accident insurance.

Read full review

Less

Cardcruncher

Good for balance transfers, but not rewards

from Cardcruncher

The Wells Fargo Platinum Credit Card appeals primarily to people trying to pay down credit card debt who want some travel perks. The card doesn’t shine in either area, and the fact that it doesn’t earn rewards means it has little value once the 0% APR period is up.

Read full review

The Wells Fargo Platinum Credit Card appeals primarily to people trying to pay down credit card debt who want some travel perks. The card doesn’t shine in either area, and the fact that it doesn’t earn rewards means it has little value once the 0% APR period is up.

Read full review

Less

The Ascent

The right type of balance transfer credit card

from The Ascent

The Wells Fargo Platinum Visa Card may lack the bells and whistles of many of today’s rewards and travel credit cards, but it doesn’t need them. This credit card serves a very utilitarian and important purpose -- helping you pay off debt and square away your finances. If you’re looking for...More

The Wells Fargo Platinum Visa Card may lack the bells and whistles of many of today’s rewards and travel credit cards, but it doesn’t need them. This credit card serves a very utilitarian and important purpose -- helping you pay off debt and square away your finances. If you’re looking for a balance transfer credit card that has both a long intro period and low balance transfer fees, this is it.

Read full review

Less

MoneyUnder30

A solid balance transfer card

from MoneyUnder30

Has a tremendous offer with its 15-month, 0 percent APR introductory period. This gives most people a large window of time in order to transfer their debts over to the Platinum card, pay off the monthly installments, and clear away their debt without worrying about the burgeoning interest charges.

Read full review

Has a tremendous offer with its 15-month, 0 percent APR introductory period. This gives most people a large window of time in order to transfer their debts over to the Platinum card, pay off the monthly installments, and clear away their debt without worrying about the burgeoning interest charges.

Read full review

Less

Credit Fast

An excellent tool to build your credit

from Credit Fast

For anyone who wants a straightforward card, the Wells Fargo Platinum Visa credit card is a viable option. You won’t get any additional rewards or perks, but it’s a solid card.

Read full review

For anyone who wants a straightforward card, the Wells Fargo Platinum Visa credit card is a viable option. You won’t get any additional rewards or perks, but it’s a solid card.

Read full review

Less

Wise Bread

For those who need to transfer a balance or make a large purchase

from Wise Bread

This card is best if you need to transfer a balance from a credit card with a high APR and can pay it down during the introductory period. You can also save money on interest if you need to make a large purchase right away.

Read full review

This card is best if you need to transfer a balance from a credit card with a high APR and can pay it down during the introductory period. You can also save money on interest if you need to make a large purchase right away.

Read full review

Less

Credit Cards Explained

A no-frills credit card

from Credit Cards Explained

If you are looking for a basic, no-frills credit card, the Wells Fargo Platinum Visa Credit Card can be a good choice. And if you want to maintain your good credit standing by making a few purchases a month and paying them off, this can be a good card.

Read full review

If you are looking for a basic, no-frills credit card, the Wells Fargo Platinum Visa Credit Card can be a good choice. And if you want to maintain your good credit standing by making a few purchases a month and paying them off, this can be a good card.

Read full review

Less

User Reviews


Darn, there are no reviews yet for this credit card. Be the first to write a review.