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  Wells Fargo Platinum Visa

Wells Fargo Platinum Visa

in Personal Credit Cards from Wells Fargo Bank

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Wells Fargo Platinum Visa

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in Personal Credit Cards from Wells Fargo Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 17.24% - 26.74%
Balance Transfer APR  (Variable APR) 17.24% - 26.74%
Credit Score Range 640 - 850

Wells Fargo Platinum Visa Review

Wells Fargo Platinum Visa is a credit card issued by Wells Fargo Bank. 

This card is designed for people with fair credit. The minimum credit score to apply is 640. If you're wondering whether Wells Fargo Platinum Visa is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Wells Fargo Platinum Visa
Pros Cons
  • No annual fee
  • 0% introductory APR for purchases and balance transfers. The introductory balance transfer rate is where this card may pay off for some cardholders with outstanding credit card debt.
  • No rewards program. Customers who are not trying to pay off credit card debt may not find many perks from using this card rather than a points based card.
  • Is there a Wells Fargo Platinum Visa cash back or rewards program?

    No, Wells Fargo Platinum Visa does not offer a rewards program.

    Wells Fargo Platinum Visa Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the Wells Fargo Platinum Visa benefits?

    Wells Fargo Platinum Visa provides the following benefits:

    • Free Credit Score
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Fraud Liability
    • Travel Accident Insurance
    • Cellular Telephone Protection
    • Travel Assistance
    • Reports to major credit bureaus

    What are the relevant APRs for Wells Fargo Platinum Visa?

    Wells Fargo Platinum Visa has a variable purchase APR that ranges from 17.24% up to 26.74%. The card has a variable balance transfer APR that ranges from 17.24% up to 26.74%.

    It also has a variable cash advance APR that ranges from 25.74% up to 27.74%.

    Does Wells Fargo Platinum Visa have an introductory APR offer?

    Yes, Wells Fargo Platinum Visa offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 18 months.

    Wells Fargo Platinum Visa Balance Transfers
    Description
    Balance Transfer APR 17.24% - 26.74%
    Introductory Rate 0%
    Intro APR period (months) 18
    Wells Fargo Platinum Visa Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 17.24% - 26.74%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 25.74% - 27.74%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 18

    What are the Wells Fargo Platinum Visa fees?

    The following fees apply to Wells Fargo Platinum Visa:

    Wells Fargo Platinum Visa Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 3%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee up to $37
    Late Payment Fee up to $37

    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 a foreign transaction fee.

    Does Wells Fargo Platinum Visa report your account activity to credit bureaus?

    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 can help improve your credit score.

    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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • 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
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Late Fee Amount Up to $37
    Minimum Interest Charge $1
    Returned Payment Fee Up to $37
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Credit Score Range 640 - 850
    Card Network
    • Visa
    Card Type
    • Balance Transfer
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Cellular Telephone Protection
    • Emergency Support
    • Fraud Liability
    • Free Credit Score
    • Travel Accident Insurance
    • Travel Assistance
    Emergency Support  
    Fraud Liability  
    Free FICO Score  
    Travel Insurance  
    Cash Advance APR (Variable APR) 25.74% - 27.74%
    Purchase APR (Variable APR) 17.24% - 26.74%
    Balance Computation average daily balance (including new purchases)
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 17.24% - 26.74%
    Intro APR period 18
    Introductory Rate 0%

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