Wells Fargo Platinum Visa® Card

Wells Fargo Platinum Visa® Card

on Wells Fargo's secure website

Wells Fargo Platinum Visa® Card

Wells Fargo Platinum Visa® Card

Wells Fargo Platinum Visa® Card

on Wells Fargo's secure website

Card details

  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 17.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and 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 Visa® 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

  • $0 Annual Fee

  • Select "Apply Now" to learn more about the product features, terms, and conditions

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR

    0% on Purchases and Balance Transfers for 18 months

  • Ongoing Apr

    APR: 17.74% - 27.24% Variable APR

  • Balance Transfer Fee

    3% for 120 days, then 5%

  • Foreign Transaction Fee


Recommended credit score

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NerdWallet Review

By Chanelle Bessette

Rating Details


Editor's overall rating

Pros and Cons

  • No annual fee

  • Intro APR period on Purchases and Balance Transfers

  • No rewards

The Wells Fargo Platinum Visa® Card has some attractive features if you’re looking to pay down credit card debt, including an APR of 0% on Purchases and Balance Transfers for 18 months, and then the ongoing APR of 17.74% - 27.24% 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.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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