Wells Fargo Platinum card

Wells Fargo Platinum card

Wells Fargo Platinum card

Wells Fargo Platinum card

Wells Fargo Platinum card

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

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

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

  • Ongoing APR

    APR: 15.49% - 24.99% Variable APR

  • Balance transfer fee

    3% for 120 days, then 5%

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

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Wells Fargo Platinum card

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Annual Fee

$0

Annual Fee

$0

Annual Fee

$0

Regular APR

15.49% - 24.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Regular APR

11.15% - 18.00%, Variable

Intro APR

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

Intro APR

0% on Balance Transfers for 18 months

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Chanelle Bessette

Rating details

4.7

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period on Purchases and qualifying Balance Transfers

Cons
  • No rewards

The Wells Fargo Platinum card has some attractive features if you’re looking to pay down credit card debt, including an APR of 0% APR for 18 months on purchases and qualifying balance transfers, and then the ongoing APR of 15.49% - 24.99% 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.