2021 Review: Wells Fargo Platinum Card – Helpful 0% APR Offers

The U.S. Bank Visa® Platinum Card (Review) has one of the longest 0% intro APR offers on the market.

The offer here is even longer than what the Wells Fargo Platinum features, giving you more time before your transferred balances and new purchases begin to accrue interest.

The benefits of these two cards are pretty comparable, except the free credit scores vary. With the U.S. Bank card, you’ll see your VantageScore 3.0, based on your TransUnion credit report. With the Platinum, you’ll see your FICO Score 9, based on your Experian credit report.

If the Wells Fargo Platinum won’t give you the breathing room you need, the U.S. Bank card can provide even more time before interest starts to creep in.

• Free VantageScore credit score: View your VantageScore 3.0 credit score, based on your TransUnion credit report, to help monitor your credit.
• Auto rental collision damage waiver: Your eligible rental cars are covered against theft and collisions, as long as you decline the rental company’s own insurance.
• Travel and emergency assistance: Get help with medical and legal referrals, lost luggage locating, and ticket replacement, among other services.
• Extended warranty: You’ll get an extended manufacturer’s warranty on eligible products.
• Cell phone protection: Pay your cell phone bill with your U.S. Bank Visa Platinum Card to receive coverage for damage and theft claims up to $600, up to two claims per year, with a $25 deductible.
• Purchase and Balance Transfer APR: 0%* for 20 billing cycles on purchases, then 14.49% - 24.49%* Variable (for transfers completed within the first 60 days)
• Balance transfer fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
• Annual fee: $0*

• 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 14.49% – 24.49%.
• Great offer from U.S. Bank, a 2021 World’s Most Ethical Company® – Ethisphere Institute, February 2021.
• No Annual Fee*
• Flexibility to choose a payment due date that fits your schedule.
• 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.

The HSBC Gold Mastercard® Credit Card (Review) is nearly identical to the Wells Fargo Platinum card.

You’ll have the same length of time to make new purchases and balance transfers without accruing interest. There’s no annual fee, and you can check your FICO Score 8 based on your Equifax credit report.

There are fewer protections provided by this card however, and the balance transfer fee is slightly higher than what the Wells Fargo Platinum card charges.

• Free FICO credit score: Check your FICO Score 8 based on your Equifax credit report for free.
• Mastercard Airport Concierge: Get a 15% discount on eligible airport Meet and Greet services.
• Travel accident insurance: Coverage against accidental death and dismemberment for you and yours when traveling by common carrier, up to $1,000,000
• MasterRental Coverage: Your eligible rental cars are covered from damage and theft.
• Purchase and Balance Transfer APR: 0% for 18 months, then 12.99–20.99% Variable
• Balance transfer fee: Either $10 or 4%, whichever is greater, will apply on each balance transfer and credit card check.
• No foreign transaction fee
• Annual fee: $0

• 0% Intro APR on purchases and balance transfers for the first 18 months from account opening. Then a variable APR of 12.99% – 20.99% will apply.
• No Penalty APR.
• Late Fee Waiver.
• No Foreign Transaction Fees.
• $0 Annual Fee.
• $0 liability for unauthorized purchases.
• Terms Apply.
• See Rates & Fees

The Citi^® Double Cash Card – 18 month BT offer (Review) is one of the more rewarding no annual fee cards available.

The Double Cash earns cash back at a flat rate for every purchase you make, with no fussing over bonus categories. On top of that, you’ll have 0% for 18 months on Balance Transfers to pay off a balance without it accruing interest (after that your rate will be 13.99% – 23.99% (Variable)).

But, it would probably be a good strategy to use the balance transfer offer before reaping the rewards. If you attempt both at once you could lose your grace period, and interest will accrue on your purchases as soon as you make them.

So if you’re looking for a quality rewards program and have need for a place to move a balance, perhaps this is a good option for you.

• Free FICO credit score: See your Equifax-based FICO Bankcard Score 8 on statements, online, and by mobile app.
• Citi Concierge: Get restaurant suggestions, reservations, travel arrangements, shopping research, and more.
• Citi Entertainment: Get preferred access and pre-sale tickets to events and experiences, from music to movies.
• Purchase APR: 13.99% – 23.99% (Variable)
• Balance Transfer APR: 0% for 18 months on Balance Transfers, then 13.99% – 23.99% (Variable)
• Balance transfer fee: Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
• Annual fee: $0

• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
• The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

The Blue Cash Everyday® Card from American Express (Review) is another rewards card with a 0% APR offer.

The idea behind this card is to provide rewards for purchases you’d make every day. These include earnings at U.S supermarkets, at U.S. gas stations, and at select department stores. And those purchases you make won’t earn any interest for a good while.

You’ll be able to check your FICO Score 8 based on your Experian credit report, and get access to Amex Offers. Through that, you can find special deals of extra cash back at a myriad of different vendors, giving you even more opportunities for great rewards.

• Amex Offers: Earn extra cash back at a variety of merchants.
• Complimentary ShopRunner membership: Register with ShopRunner for free two-day shipping and returns at select online retailers.
• Entertainment Access: Exclusive tickets to events, concerts, sports, and shows
• Travel protections: Car Rental Loss and Damage Insurance, Global Assist Hotline
• Purchase APR: 0% for 15 months, then 13.99% - 23.99% Variable
• Annual fee: $0

Enrollment required for select benefits; terms and limitations apply.

Blue Cash Everyday® Card from American Express (Rates & Fees)

• Earn 20% back on Amazon.com purchases on the Card in the first 6 months of Card membership, up to $150 back.
• Plus, earn $100 back after you spend $2,000 in purchases on your new Card within the first 6 months of card membership. You will receive cash back in the form of statement credits.
• 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
• 2% Cash Back at U.S. gas stations and at select U.S. department stores.
• 1% Cash Back on other purchases.
• Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
• Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee.
• Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
• No annual fee.
• Terms Apply.