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Last Updated: 05/14/2026
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Wells Fargo Platinum Visa
Claimed
from Wells Fargo Bank
Last Updated: 05/14/2026
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Number of Reviews
Wells Fargo Platinum Visa Review
Wells Fargo Platinum Visa is no longer available to new customers on SuperMoney. Click here to compare 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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- APRs: Wells Fargo Platinum Visa has a variable regular 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.
- A 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 up to 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.
- Poor credit accepted. This card will consider people who have poor credit.
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.49% - 24.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 18 months.
What are the fees for Wells Fargo Platinum Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Wells Fargo Platinum Visa 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.
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 to the following credit bureaus:
- 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 build your credit.
Does Wells Fargo Bank perform a hard credit pull?
Yes, Wells Fargo Platinum Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Wells Fargo Platinum Visa
- Visit the website of Wells Fargo Platinum Visa.
- 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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Other Credit Cards from Wells Fargo Bank
Purchase APR
24.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.24% - 25.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 25.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.49% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.49% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$95
Rating not yet determined
Purchase APR
17.24% - 25.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 25.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 700
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$99
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
19.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
20.74% - 29.74%
Disclaimer popup with additional information
Balance Transfer APR
20.74% - 29.74%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Wells Fargo Platinum Visa Community Reviews
Would you recommend Wells Fargo Platinum Visa to your friends?
SR
Samuel R.
Jun 29, 2022
May or may not recommend
The Wells Fargo Platinum Visa was a less used card of mine, but I can definitely recommend it. The card's lack of annual fees and introductory low APR were wonderful. The perks, while not always necessary, are nice to have, especially the credit score checking. There are some downsides to this card though, as the APR is rather standard-to-high once the introductory period is over. Couple this with the 3% ...Show More
TN
Tahira N.
Jun 29, 2022
May or may not recommend
The Wells Fargo Platinum Visa is a great card to have it. As I have been a customer with Wells Fargo for long time, I really like their services and I have always do walk in if I need anything and the banker are always ready to help in a best way they can. The Platinum card has no nay annual fee and 18 months 0 % APR. It is ...Show More
RF
Robelys F.
May 28, 2022
May or may not recommend
Wow very impressive Wells Fargo has very good tool on their website to mange my card
SM
Steven M.
Sep 3, 2020
May or may not recommend
I recommend this card because I use it and have found it works great. Well's Fargo has a great website with many useful financial tools. They also have 0 annual fees. I have used Wells Fargo for a long time and I believe they are a trustable bank. The only complaint I have is their customer service could use some work. While this could be a specific problem with the ...Show More
U
Anonymous
Feb 23, 2020
May or may not recommend
Have checking account. With them having approval is appreciated and the cards are good to have.
Miron L.
Dec 12, 2019
May or may not recommend
Very long zero percent intro APR period, no annual fee and lots of perks. This is a great card to finance a major purchase.
Showing 6 of 6 reviews
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