Skip to content

Wells Fargo Platinum card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

The Wells Fargo Platinum Card’s main draw is its long 0% intro APR for purchases and balance transfers, which gives you some extra time to pay off debt. While it has no rewards program, you will get some useful perks like access to one of your FICO credit scores, a Visa Platinum benefits package, and cell phone protection.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 15.49%-24.99% Variable
Intro Balance Transfer APR: 0% Intro APR for 18 months on qualifying balance transfers
Intro Purchase APR: 0% Intro APR for 18 months

Wells Fargo Platinum card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% Intro APR for 18 months on qualifying balance transfers
Regular Balance Transfer APR 15.49%-24.99% Variable
Balance Transfer Fee 3% for 120 days, then 5%
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $37
Returned Payment Fee Up to $37
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR See Terms
Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card
Wells Fargo Platinum card


  • Pay down balances instead of interest with Wells Fargo’s longest intro APR
  • $0 Annual Fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • Select “Apply Now” to learn more about the product features, terms and conditions

Wells Fargo

Wells Fargo has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-932-6736 or

Try a different phone number
See all Issuer Cards

The Wells Fargo Platinum Card offers a long 0% Intro APR introductory APR for 18 months for purchases and balance transfers, followed by a regular rate of 15.49%-24.99% Variable.

You’ll get free access to your FICO Score 9, based on your Experian credit report, Cell Phone Protection, and other Visa Platinum benefits.

There are no rewards to earn with this card, but there’s no annual fee either.