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.
Last Updated: 07/28/2025
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Wells Fargo Platinum Visa
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in Credit Cards from Wells Fargo Bank
Last Updated: 07/28/2025
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
16.49% - 24.49%(Verified 06/21/2024)
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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
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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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
What is the login page for Wells Fargo Platinum Visa?
You can access the login page of Wells Fargo Platinum Visa 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 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.
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