Wells Fargo Platinum card

Wells Fargo Platinum card

on Wells Fargo's website

Wells Fargo Platinum card

Wells Fargo Platinum card

Wells Fargo Platinum card

on Wells Fargo's website

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Card details

  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5

  • $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®

  • Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications

  • 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

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    0% intro APR for 18 months from account opening on purchases and qualifying balance transfers

  • Ongoing APR

    APR: 16.49% - 24.49% Variable APR

  • Balance transfer fee

    3% intro for 120 days from account opening, then up to 5%; min: $5

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

16.49% - 24.49% Variable APR

Rates & Fees

Regular APR

15.99% - 22.99% Variable APR

Regular APR

15.49% - 25.49% Variable APR

Intro APR

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Chanelle Bessette

Rating details

4.7

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

  • Cell phone insurance

Cons
  • No rewards

  • No bonus offer

  • Requires good/excellent credit

The Wells Fargo Platinum card has some attractive features if you’re looking to pay down credit card debt, including an APR of 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 16.49% - 24.49% Variable APR. Its annual fee is $0.

The card also offers cell phone insurance worth up to $600 on covered damage and theft if you pay your monthly cell phone bill with your card. The coverage is subject to a $25 deductible.

The drawbacks? The card charges an introductory balance transfer fee of either $5 or 3% of the amount you're transferring, whichever is greater. After the introductory period, the balance transfer fee is up to 5% for each balance transfer, with a minimum of $5. And there are no cash-back rewards on spending.

After the promotional period ends, the card also has a relatively high ongoing APR.

For more information about the card and to see whether it’s right for you, check out our full review here.