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 as well as a low ongoing APR. The 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 120 days, after that period it's 5%. Although this balance transfer fee might seem like a lot, it is a pretty standard rate and between the intro balance transfer APR and the Wells Fargo Platinum Visa® Card's low 17.74%-27.24% (variable) ongoing APR, 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 17.74%-27.24% (variable), depending on credit history.
  • Balance Transfer APR: 0% intro APR for 18 months on balance transfers made within 120 days of account opening, then 17.74%-27.24% (Variable), depending on credit history.
  • Introductory Balance Transfer Fee: 3% for 120 days, then 5%.

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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 site may be compensated through the credit card issuer Affiliate Program.

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