How good are the Wells Fargo Platinum credit card benefits?

The Wells Fargo Platinum credit card’s benefits include a 0% APR on purchases and balance transfers for 18 months (one of the longest introductory periods on the market), a $0 annual fee and up to $600 in cell phone insurance. You also get rental car insurance, travel accident insurance and roadside assistance. And if you have a Wells Fargo checking account, you can use the Platinum Card for overdraft protection to avoid the overdraft fee. 

So it’s fair to say the Wells Fargo Platinum card benefits are pretty good. And it probably won’t come as a surprise that you need good credit or better to have a chance of getting approved.

Here are the best Wells Fargo Platinum credit card benefits:

• 0% for 18 months on purchases and balance transfers. 3% balance transfer fee.
• $600 per incident in cell phone coverage.Covers theft and damage to your cell phone up to $1,200 per 12-month period. Must pay phone bill with card to be eligible. Coverage does not include when you simply lose your phone. 
• Overdraft protection for checking account. Use your card to pay for overdrafts on a Wells Fargo checking account. Pay the amount of the overdraft or $25, whichever is greater, plus a fee: $12.50 for an overdraft of up to $50; $20 fee if more. Charges accrue interest from the transaction date.
• Auto Rental Collision Damage Waiver. Covers theft and physical damage, up to the actual cash value of a rental vehicle. Must pay for the entire rental with the card and decline the rental company’s insurance.
• $150,000 in travel accident insurance: Covers you and family members for severe injury or death while in transit with a licensed travel provider. Entire cost of passenger fare(s) must be charged to your card.
• Roadside assistance hotline.24/7 emergency services such as towing (up to 5 miles), changing flat tires, jump starting, lockout service or fuel delivery. Standard service call fee of $69.95. Customer liable for towing distances more than 5 miles.

If you’re in the market for a Wells Fargo credit card and prefer rewards over 0% interest, consider Wells Fargo’s Cash Back and Rewards cards. Both give you 1% back on your spending.

It's not the best credit card out there, but the benefits are pretty decent. It has no interest for 18 months, applied both to purchases and balance transfers, and no annual fee.

I'd say financing on purchases and balance transfers for 18 months and low APR from 13.49% based on your creditworthiness.