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


  • Rewards rate


  • Bonus offer


  • 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


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 qualifying Balance Transfers

  • 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.