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Wells Fargo Platinum Visa
Would you recommend Wells Fargo Platinum Visa to your friends?
| Community Rating | Strongly recommended |
| Purchase APR (Variable APR) |
16.49% - 24.49% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
16.49% - 24.49% (Verified 08/04/2023) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 6 |
Wells Fargo Platinum Visa Review
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Wells Fargo Platinum Visa is no longer available to new customers on SuperMoney. Click here to compare Credit Cards and quickly find the best options for your needs. |
This is a card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo Platinum Visa is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 18 months, which is longer than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
- Competitive APRs. Wells Fargo Platinum Visa has a variable purchase APR that ranges from 16.49% up to 24.49%.
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Wells Fargo Platinum Visa charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Wells Fargo Platinum Visa
| The Good | The Bad |
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Wells Fargo Platinum Visa FAQ
Does Wells Fargo Platinum Visa have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Wells Fargo Platinum Visa benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Wells Fargo Platinum Visa?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.Wells Fargo Platinum Visa has a variable purchase APR that ranges from 16.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 24.49%. It also has a variable cash advance APR that ranges from 23.99% up to 25.99%.
Does Wells Fargo Platinum Visa have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 18 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 18 months |
| Balance Transfer APR | 16.49% - 24.49% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does Wells Fargo Platinum Visa have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 18 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 18 months.
What are the fees for Wells Fargo Platinum Visa?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | Starting at $ up to $40 |
| Late Payment Fee | Starting at up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Wells Fargo Platinum Visa have a foreign transaction fee?
Wells Fargo Platinum Visa charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Wells Fargo Platinum Visa?
The Wells Fargo Platinum Visa customer service number is (800) 877-4833.
What is the support contact email for Wells Fargo Platinum Visa?
The support contact email for Wells Fargo Platinum Visa is corporateresponsibility@wellsfargo.com.
What is the Wells Fargo Platinum Visa login page?
You can access the Wells Fargo Platinum Visa login page here.
How do people rate the customer service and user experience of Wells Fargo Platinum Visa?
Overall, Wells Fargo Platinum Visa is strongly recommended based on community reviews that rate customer service and user experience.
Does Wells Fargo Platinum Visa report your account activity to credit bureaus?
Yes, Wells Fargo Platinum Visa reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Wells Fargo Platinum Visa
- Visit the Wells Fargo Platinum Visa website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
420 Montgomery Street
San Francisco, CA 94104 USA - (800) 877-4833
- Visit Site
- Email Support
Other Services by Wells Fargo Bank
Other Credit Cards by Wells Fargo Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Introductory Rate | 0% |
| Purchase Intro APR Period (Variable APR) | 18 months |
Wells Fargo Platinum Visa Community Reviews
Would you recommend Wells Fargo Platinum Visa to your friends?
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