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Wells Fargo Platinum card

Wells Fargo Platinum card


Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 1,582 Offer Ratings
Over the Past 60 Days!

(1,582) Over the Past 60 Days!

  • Regular Purchase APR 15.49%-24.99% (Variable)
  • Intro Purchase APR 0% for 18 months
  • Intro BT APR 0% for 18 months on qualifying balance transfers
  • Annual Fee $0
  • Credit Needed


  • Card Brand Visa®

Card Details


  • 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
  • See Rates & Fees

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% for 120 days, then 5%

Cash Advance Fee See Terms

Penalty APR None

Ongoing Information

Rewards Rate None

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program No

Roadside Assistance Yes

Purchase Protection No

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

The Wells Fargo Platinum card is a good option for anyone looking for a simple credit card with no annual fee and a lengthy intro APR. This card comes with intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers. This can be really useful if you need to finance a big purchase or want to transfer for balance from a high interest credit card and pay off your debt.

There's no rewards program with this credit card, but you'll enjoy perks like Zero Liability protection and the ability to track your spending with their handy My Money Map feature. There is an intro balance transfer fee of 3% for 120 days, then 5% after that.

Expert Reviews of the Wells Fargo Platinum card

  • 3.0

    Regular APR

  • 4.0

    Intro APR

  • 4.0


  • 2.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

This card provides a solid intro APR and no annual fee. If that's all you're looking for in a credit card, then this one is a great fit.

The Good

With an intro APR of 0% for 18 months, this card is perfect for financing a big purchase or saving money on qualifying balance transfers.

The Not so Good

There's no rewards program with this card, and the ongoing interest rates are a little high.

Editorial Note: This content is not provided by Wells Fargo. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Wells Fargo.

Consumer Reviews

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Offer Rating


1,582 Total Ratings

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+1575 users submitted a rating without a full review

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86 Found this review helpful

By: | Jun 16, 2018

O balance interest for 18 months

55 Found this review helpful

By: | Apr 9, 2018

Good, solid basic card for those returning to the work force

52 Found this review helpful

By: | Feb 17, 2018

Excellent card n give u advance cash i love it

36 Found this review helpful

By: | Feb 16, 2018

Wells Fargo has the best Visa card,,I had it once .maybe I will get it again... hopefully

73 Found this review helpful

By: | Oct 15, 2017

Simply the best credit card ever!!!

84 Found this review helpful

By: | May 1, 2017

A very nice card to have

1 Reply

By: Angel Gonzalez | Aug 6, 2017

On the introductory rate of 0% for the first 18 months, was there a time frame and amount it had to be used by?

134 Found this review helpful

By: | Apr 28, 2017

This is one great card. Wells fargo is one great bank. 5 stars

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