Wells Fargo Platinum Visa CardIf you’re in the market for a card that offers a long 0% intro APR, we have some good news for you: the Wells Fargo Platinum Visa Card just lengthened its 0% intro APR period to 18 months. This new 0% intro APR applies to both purchases and balance transfers, which means you won’t pay credit card interest on purchases or balance transfers for a year and a half. The card does have an intro balance transfer fee of 3% for 18 months (after that, it’s 5%), but this new, longer 0% intro APR may make the fee worthwhile. On top of that, the card offers some really impressive perks. Keep reading to see if the Wells Fargo Platinum Visa Card is right for you.

What does the Wells Fargo Platinum Visa Card offer?

Wells Fargo Platinum Visa Card
  • Get an 18-month 0% intro APR on purchases and balance transfers.
  • Pay a 3% intro balance transfer fee for 18 months, then it’s 5%.
  • Receive up to $600 protection for your cell phone against covered damage or theft when you pay your monthly cell phone bill with your Wells Fargo Platinum Visa Card. Note that there’s a $25 deductible per claim.
  • Enjoy free access to your FICO credit score through Wells Fargo Online.
  • Pay no annual fee.

The Wells Fargo Platinum Visa Card has some strong perks, including the new 18-month 0% intro APR on purchases and balance transfers. When you use your Wells Fargo Platinum Visa Card to pay your monthly cell phone bill, you’ll receive up to $600 protection for your mobile phone against covered theft or damage. While there is a $25 deductible per claim and a maximum of 2 claims per year, this coverage is really easy to get (simply pay your phone bill with the card) and the deductible is affordable. Those who want some help budgeting and managing their spending will appreciate Wells Fargo’s My Money Map feature, which does exactly that. On top of that, Wells Fargo Platinum Visa Card holders will pay no annual fee and get free access to their FICO credit score through Wells Fargo Online, offering a peek into your credit health. Finally, the card is available to those with good to excellent credit (usually considered a credit score of 700 or higher).

Does the Wells Fargo Platinum Visa Card have downsides?

The Wells Fargo Platinum Visa Card is a no-frills low APR card, which is perfect for a number of consumers. That said, if you’d prefer a card that earns rewards on purchases, consider Discover it – 18 Month Balance Transfer Offer. This card has a shorter 6-month 0% intro APR on purchases, but it offers the same 18-month 0% intro APR on balance transfers (with a 3% balance transfer fee) — after the intro APRs expire, the go-to rates apply — and earns some great cash back rewards. Cardholders will earn 5% cash back on rotating categories each quarter they activate (up to the quarterly maximum, currently $1,500, then it’s 1% back) and 1% cash back on all other purchases. Plus, at the end of your first year as a cardholder, Discover will match the cash back you’ve earned throughout the year. This means if you’ve earned $300 cash back in your first year as a cardholder, Discover will match that $300 to give you a total of $600 back! This card has no annual fee and a number of added perks. Discover it – 18 Month Balance Transfer Offer is also available to those with average to excellent credit (usually considered a credit score of 670 or higher).

Should I apply for the Wells Fargo Platinum Visa Card?

If you want a straightforward low APR card with an 18-month 0% intro APR on purchases and balance transfers, the Wells Fargo Platinum Visa Card is likely a good fit for you. On top of paying no annual fee, you’ll get mobile phone protection when you use the card to pay your monthly phone bill.

Visit our Wells Fargo Platinum Visa Card review to learn more about the card and apply online. Also, check out our reviews of the best low APR credit cards to see how it compares to other cards on the market.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.