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Wells Fargo Platinum card

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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
How To Apply

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

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 Visa 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® Credit ScoreCell Phone Protection, and other Visa Platinum benefits.

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