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
0% intro APR for 18 months on purchases and qualifying balance transfers
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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Editor's overall rating
Pros and cons
No annual fee
Intro APR period on Purchases and qualifying Balance Transfers
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.