Wells Fargo Platinum Visa card


For People with
Fair Credit

Learn how to apply for this card.

REVIEWS

Reviews

The Wells Fargo Platinum Visa offers a long 0% introductory APR for 18 months for purchases and balance transfers, followed by a regular rate of 13.74%-27.24% 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.

For People with
Fair Credit

Learn how to apply for this card.

REVIEWS

Reviews

Manage My Card

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Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 13.74%-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 on qualifying balance transfers
Regular Balance Transfer APR 13.74%-27.24% Variable
Balance Transfer Fee 3% for 120 days, then 5%
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

    Just call the number on the back of your card or customer support at 800-642-4720 if you need a new card or an emergency cash advance.

  • 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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