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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 8.4 out of 10. This score is based on our evaluation of 22 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...


The Wells Fargo Platinum card is one of the best 0% intro credit cards on the market. It offers 0% introductory APRs on both purchases and qualifying balance transfers for 18 months, trouncing the market averages in those categories. Wells Fargo Platinum’s balance transfer fee is above average, too,...

- John S Kiernan, WalletHub

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

Anyone seeking a balance transfer card will likely appreciate that the Wells Fargo Platinum card offers a generous 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, followed by a variable APR of 16.49% to 24.49%. However, the card doesn’t offer rewards or...

- Becky Pokora, Forbes
Money Crashers

Definitely worth a hard look. It has a solid introductory APR promotion for purchases and balance transfers, making it attractive to new cardholders who need to finance large purchases and folks struggling to pay down high-interest balances with other issuers.

- Brian Martucci, Money Crashers
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


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 $40.00


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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