Wells Fargo Platinum Visa

For People with
Fair Credit



The Wells Fargo Platinum Card offers a long 0% introductory APR of 18 months, followed by a regular rate of 17.74%–27.24% Variable.

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

Card Quick Facts

Card Quick Facts

  • Long 0% introductory APR for purchases and balance transfers
  • Free FICO Credit Score access
  • Visa Platinum benefits
  • No annual fee

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 17.74%–27.24% Variable
Intro Purchase APR 0% for 18 months
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $1,000
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 18 months, for transfers made within 120 days
Regular Balance Transfer APR 17.74%–27.24% Variable
Balance Transfer Fee 3%, $5 minimum for 120 days; then 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.24%–28.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Zero Liability Protection

    You will not be held responsible for unauthorized use of your card.

  • Overdraft Protection

    Link your card to your Wells Fargo checking account to avoid overdraft fees.

  • Rapid Alert

    Get alerted of irregular or suspicious activity.

  • Wells Fargo Credit Defense Platinum Service

    Options like fixed benefit payments if you experience involuntary unemployment, disability, or an overnight hospitalization.

  • Verified by Visa®

    Added protection for online shopping.

  • Emergency Card Replacement

    Contact customer support to get a new card quickly.

  • Cellular Telephone Protection

    Provides up to $600 in coverage against damage or theft when you pay your phone bill with the card.

  • Travel and Emergency Assistance Services

    Provides help with emergencies, including legal and medical referrals.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

  • Travel Accident Insurance

    Get reimbursed if you or a family member gets in an accident while traveling by common carrier, up to $150,000.

  • Roadside Dispatch

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

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