Wells Fargo Platinum Visa review

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Advertiser Disclosure

Interest Rate: Purchases
13.74% ‐ 27.24% (0% for the first 18 months)
Balance Transfer
13.74% ‐ 27.24% (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 14 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...


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 and no annual fee give you the cushion you need to make progress.

- Robin Ratcliff, CreditCards.com
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
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 a balance...

- Elizabeth Aldrich, The Ascent
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.

- Laura Cook, MoneyUnder30
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.

- Monica Kowollik, Credit Fast

Details


Interest Rates
Regular APR Interest Rate 13.74% ‐ 27.24% (0% for the first 18 months)

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

Balance Transfer Interest Rate 13.74% ‐ 27.24% (0% for the first 18 months)

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

Cash Advance Interest Rate 26.24% ‐ 28.24%

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


CreditCards.com

A no-frills option with one of the longest 0-percent intro periods

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 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 and no annual fee give you the cushion you need to make progress.

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

Hustler MoneyBlog

A no hassle/no fee credit card

from Hustler MoneyBlog

This card does not offer cashback rewards like other credit cards or other bonuses that may be more enticing but if you’re looking for a $0 annual fee credit card and 0% APR for 18 months, then this card is made for you.

Read full review

This card does not offer cashback rewards like other credit cards or other bonuses that may be more enticing but if you’re looking for a $0 annual fee credit card and 0% APR for 18 months, then this card is made for you.

Read full review

Less

WalletHub

Good for anyone with good or excellent credit who wants to save money on interest

from WalletHub

The Wells Fargo Platinum Visa Credit Card is one of the best 0% credit cards on the market right now. It offers 0% introductory APRs on both purchases and balance transfers for 18 months, trouncing the market averages for 0% cards in those categories: roughly 10 months for new purchases and 11 months for transfers.

Read full review

The Wells Fargo Platinum Visa Credit Card is one of the best 0% credit cards on the market right now. It offers 0% introductory APRs on both purchases and balance transfers for 18 months, trouncing the market averages for 0% cards in those categories: roughly 10 months for new purchases and 11 months for transfers.

Read full review

Less

Bankrate

An average card with a decent balance transfer offer

from Bankrate

If you’re looking for a no-frills card, the Wells Fargo Platinum Visa fits the bill. Don’t let the name fool you — there’s nothing premium about this Platinum card. It does offer a decent interest-free period of 15 months on purchases and balance transfers and has a nice blink-or-you’ll...More

If you’re looking for a no-frills card, the Wells Fargo Platinum Visa fits the bill. Don’t let the name fool you — there’s nothing premium about this Platinum card. It does offer a decent interest-free period of 15 months on purchases and balance transfers and has a nice blink-or-you’ll-miss-it cell phone theft and damage protection perk.

Read full review

Less

User Reviews


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