Can you upgrade a Wells Fargo Platinum credit card?

You can upgrade a Wells Fargo credit card by calling customer service at (800) 642-4720. From there, you’ll need to enter your card number, after which you’ll be sent to Wells Fargo’s automated account management menu, where you can select to speak to a customer service representative. You’ll then be able to inquire about an upgrade, or a “product switch” as Wells Fargo calls it.... read full answer

There is not much information available about Wells Fargo credit card upgrades, but representatives confirmed over the phone that it is possible to switch from one card to another. Representatives also confirmed that your credit limit will never go down, and could even potentially go up, when doing an upgrade.

Plus, given that most Wells Fargo credit cards have similar requirements for approval, it shouldn’t be too hard to change between them. There are possible exceptions, though, including upgrading to the Wells Fargo Rewards® Card, which is more difficult to get, or upgrading from the Wells Fargo Cash Back College℠ Card, which is meant for people with limited credit.

The Wells Fargo Platinum credit card limit was at least $1,000. It was also possible for someone to start with a credit limit well over $1,000, depending on various factors like their credit score and income. However, the Wells Fargo Platinum is no longer available for new applicants.

How to increase your Wells Fargo Platinum credit limit:... read full answer

If you already have a Wells Fargo Platinum, you can ask for a credit limit increase by calling customer service at (800) 642-4720. Your odds of approval are highest if you pay your monthly bills on time and keep your credit utilization low. Wells Fargo may also grant automatic credit line increases to select eligible customers, but there is no way of knowing for sure whether you’ll be among them.

Alternatively, if you want to get another Wells Fargo credit card, you can ask customer service to shift some of your existing credit to the new card. You can’t move your entire credit line, though, just an amount above the original account’s minimum credit limit.

Alternative Credit Card Option

While Wells Fargo Platinum is no longer an option, the Wells Fargo Reflect provides a great alternative. This card also offers a minimum credit limit of $1,000 to all applicants who get approved.

Plus, the card offers an introductory APR of 0% for up to 21 months from account opening on both new purchases and balance transfers (subject to a fee of 3% intro for 120 days, then up to 5% (min $5)). This card’s regular APR is 17.74% - 29.74% Variable. There’s also a $0 annual fee.

The best Wells Fargo Platinum card benefits include rental car insurance, travel accident insurance, and cell phone protection. Plus, this card also comes with a $0 annual fee.

Here are the best Wells Fargo Platinum credit card benefits:

• Cell phone coverage. It covers theft and damage to your cell phone up to $600 per claim, with a maximum of two claims per 12-month period. You must pay your phone bill with the Wells Fargo Platinum card card to be eligible. Lost phones without any evidence of a wrongful act are not covered.... read full answer
• Travel and emergency assistance. When traveling away from home, you may call your Benefit Administrator at (800) 992-6029 to be connected to the appropriate local emergency and assistance resources available. The Benefit Administrator line is open for assistance 24/7, 365 days a year. If you are outside the United States, call collect at (804) 673-1675.
• Auto Rental Collision Damage Waiver. It covers damages caused by theft and collision, up to either $50,000 or the actual cash value of an eligible rental vehicle, whichever is less. You must pay for the entire rental with the Wells Fargo Platinum card card and decline the rental company’s insurance to be eligible.
• Travel accident insurance. This benefit covers you and your family members up to $150,000 for severe injury or death while in transit with a licensed travel provider. The entire cost of your passenger fare(s) must be charged to your card.
• Roadside dispatch. This benefit provides 24/7 emergency services such as towing (up to 5 miles included), changing flat tires, jump starting, lockout service, or fuel delivery (up to 5 gallons, plus the cost of fuel). A standard service call fee of $69.95 will be applied to every call. The customer is liable for towing distances of more than 5 miles.

If you’re in the market for a Wells Fargo credit card and prefer rewards, consider the Wells Fargo Active Cash® Card for daily spending cash back. It offers $200 cash rewards after spending $1,000 in the first 3 months. Plus, you can earn 2% cash rewards on all purchases.