Wells Fargo Platinum Visa® Card Review

Our Detailed Review of This Card

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The Wells Fargo Platinum Visa® Card is a good choice for anyone who wants to enjoy a no-annual-fee card with a lengthy 18-month 0% intro APR on balance transfers and purchases. This interest-free period can give you time to pay down your balance. In fact, you can almost think of it as an interest-free loan for 18 months. If you're transferring your balance(s) over from other high-APR cards, note that there is an introductory balance transfer fee of 3% for 18 months, after that period it's 5%. Although this might seem like a lot, it is pretty standard and even though there is a charge you could still save a substantial amount of money on interest fees in the long run. If you're not sure, take a look at our free Balance Transfer Calculator to see if this card will work for your individual needs.

Wells Fargo Platinum Visa® Card also provides cellular telephone protection if you pay for your monthly cellular (aka, mobile) telephone bill with your card. In the event of theft or damage you will be reimbursed up to $600 per claim and there is a maximum of 2 claims per year. You are responsible for a $25 deductible, but if you have been known to break or lose a mobile phone or two this is a terrific benefit.

Overall Wells Fargo Platinum Visa® Card is best for those looking for an 18-month 0% intro APR card with no annual fee to transfer their existing balances to, as well as enjoy interest-free new purchases for over a year. It's also a good choice for anyone looking to protect their investment in their mobile phone.


Fees and APR

  • Annual Fee: $0
  • Foreign Transaction Fee: 3% of each transaction converted to U.S. dollars.
  • Purchase APR: 0% intro APR for for 18 months, then 17.24%-26.74% (variable), depending on credit history.
  • Balance Transfer APR: 0% intro APR for for 18 months, then 17.24%-26.74% (Variable), depending on credit history.
  • Introductory Balance Transfer Fee: 3% for 18 months, then 5%.


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