Wells Fargo Platinum Visa review

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Advertiser Disclosure

Interest Rate: Purchases
16.49% ‐ 24.49% (Variable) (0% for the first 18 months)
Balance Transfer
16.49% ‐ 24.49% (Variable) (0% for the first 18 months)
Signup Bonus

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 20 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...

Credit Card Insider

The Wells Fargo Platinum card has no annual fee and a long 0% APR period for both purchases and balance transfers. As that’s the main focus, there’s little in the way of rewards and benefits.

- Evan Zimmer, Credit Card Insider

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. Consider other options unless you...

- Kailey Fralick, Cardcruncher
The Wirecutter

This is a good option for anyone looking for extra time to pay off a balance transfer, although you’ll owe a fee on whatever you move onto this card. With no enticing spending rewards and perks, this is best for someone solely focused on killing their debt.

- Ben Luthi, The Wirecutter

If you’re looking to consolidate credit card debt onto one card, the Wells Fargo Platinum Visa Credit Card could be the perfect place to start. With a great introductory APR (annual percentage rate) on purchases and balance transfers, this card can help you wrangle your balances and get on the path...

- Brett Holzhauer, FinanceBuzz
The Balance

The Wells Fargo Platinum Visa Card boasts a long introductory interest rate offer that can help consumers pay off debt or spread out big purchase payments. There’s no rewards program, but there are a handful of cardholder perks that make this card even more worthwhile.

- Holly Johnson, The Balance


Interest Rates
Regular APR Interest Rate 16.49% ‐ 24.49% (Variable) (0% for the first 18 months)

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

Balance Transfer Interest Rate 16.49% ‐ 24.49% (Variable) (0% for the first 18 months)

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

Cash Advance Interest Rate 23.99% ‐ 25.99% (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


Sign up bonus No
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
Virtual Cards No
Additional Benefits

- Cellphone protection

- Roadside Assistance

- Overdraft Protection

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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