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Wells Fargo Platinum card

Wells Fargo Platinum card

652Reviews78Q&AContact

Excellent Credit, Good Credit

Annual Fee

APR on Purchases

0% intro APR for 18 months, 16.49% - 24.49% Variable APR after that

Balance Transfer

0% intro APR for 18 months on qualifying balance transfers, 16.49% - 24.49% Variable APR after that

Balance Transfer Fee 3% intro for 120 days, then up to 5% (min $5)

WalletHub Review

by John Kiernan

September 17th, 2022

Wells Fargo Platinum Pros & Cons

No membership fees

0% intro APR on purchases

0% intro APR on balance transfers

Reports to the three major credit bureaus

No rewards

No rewards bonus

Balance transfer fee

Foreign fee

Wells Fargo Platinum Review

View 652 User Reviews

Wells Fargo Platinum's Additional Info

cash advance fee

Refer to Rates & Fees

cash advance APR

Refer to Rates & Fees

foreign transaction fee

smart chip

Yes, chip-and-PIN

max late fee

Refer to Rates & Fees

max overlimit fee

Refer to Rates & Fees

max penalty APR

None

grace period

Refer to Rates & Fees

0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5

$0 Annual Fee.

Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card

Easy access to your FICO® Credit Score with Wells Fargo Online®

Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications

Convenient tools to help create a budget and manage your spending with My Money Map

Wells Fargo Platinum Reviews FAQ

Can't find what you are looking for? Submit your question about Wells Fargo Platinum card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

What credit score do you need for Wells Fargo Platinum Card?

Upvotes

Maria Adams, Credit Cards Moderator

The credit score needed for the Wells Fargo Platinum card was 700, at a minimum. That means at least good credit was required for approval. However, it is worth noting that this card is no longer available to new applicants.

Alternative Credit Card Option

If you're looking for a similar credit card, you should consider getting the Wells Fargo Reflect® Card. This card offers an introductory APR of 0% for up to 21 months from account opening on both new purchases and qualifying balance transfers. Keep in mind that balance transfers are subject to a fee of 3% intro for 120 days, then up to 5% (min $5). The card's regular APR is 15.99% - 27.99% Variable, based on creditworthiness.

Wells Fargo Reflect requires good credit or better (a credit score of 700+) for approval. So, make sure you know where you stand before applying. You can check your credit score for free on WalletHub.

Does the Wells Fargo Platinum Credit Card have rewards?

Upvotes

Maria Adams, Credit Cards Moderator

View more answers

What will my Wells Fargo Platinum credit card limit be?

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Bogdan Roberts, Credit Cards Moderator

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What is the Wells Fargo Platinum credit card interest rate?

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Evelyn Boros, Credit Cards Moderator

How do I do a balance transfer on my Wells Fargo Platinum card?

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Chip Lupo, Credit Card Writer

Does the Wells Fargo Platinum credit card offer cash back?

Upvotes

Bogdan Roberts, Credit Cards Moderator

How do I activate my Wells Fargo Platinum credit card?

Upvotes

Maria Adams, Credit Cards Moderator

What are my Wells Fargo Platinum approval odds?

Upvotes

Cameron DiGiovanni, Writer

View more answers

What is the Wells Fargo Platinum balance transfer fee?

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Cameron DiGiovanni, Writer

View more answers

What fees does the Wells Fargo Platinum card have?

Upvotes

Leon Denerus, WalletHub Analyst

Compare The Wells Fargo Platinum

Wells Fargo Platinum card

Wells Fargo Reflect® Card

Citi® Diamond Preferred® Card

(652)

(43)

(1,446)

Purchase Intro APR0% for 18 months

Purchase Intro APR0% up to 21 months from account opening

Purchase Intro APR0% for 12 months

Transfer Intro APR0% for 18 months on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)

Transfer Intro APR0% up to 21 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)

Transfer Intro APR0% for 21 months|Transfer Fee: 5% (min $5)

Regular APR16.49% - 24.49% Variable

Regular APR15.99% - 27.99% Variable

Regular APR16.74% - 26.74% (V)

Rewards RateNone

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Rates & Fees

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Wells Fargo Platinum Reviews

Share your insights and review the Wells Fargo Platinum card

3.8

What's Your Rating?

Lathan
July 6, 2022 • @lathanc_1

Verified Customer

Great experience with Wells Fargo for so many of years they're always trained customers first and friendly and always here to make things better for you. If I have questions for them they're always professional and ready to help solve any issues that concerns you.( just the best and I've bank with other bankers and they're are much different. That's why I've been with for so many years.

Comment

Samuel
June 25, 2022 • @setsemas

Verified Customer

It's an OK card - no annual fee, but limited rewards and credit line (Wells Fargo is stingy about credit line increases). I only keep mine open because it's my oldest card and boosts my average credit card age.

Comment

John Parker
October 19, 2021 • @johnp_483

Verified Customer

Wells Fargo is the absolute best company. Their customer service is tremendous and very professional and friendly. They always help out with any problems that might occur. Thanks Wells Fargo!!

Comment

Thomas
August 21, 2021 • @windycity

Verified Customer

Wells Fargo is an excellent bank, they provided me with credit at a crucial point in my life. I was working on repairing my credit and unlike other banks they gave me three different accounts all of which assisted me in improving my credit.

Comment

sdb30936
June 17, 2021 • @sdb30936

Verified Customer

Great Card. I was approved for a Wells Fargo Credit Card with a credit score of less than 700, and I received a $4500 credit limit. I will say that I did not receive an instant approval online; however, I was approved within a few days of applying.

Comment

jettistar36
March 19, 2021 • @jettistar36

Verified Customer

No problem, I applied for this card got approved in less than 3 mins with a credit line of $5,500. I love Wells Fargo I have been with Wells Fargo over 15yrs never had any issues with them, so I will continue to do business with them.

Comment

daxdiamond
June 9, 2021 • @daxdiamond

What is your credit score/credit utilization/inquiries, etc?

Comment

Jay Are
September 24, 2020 • @jjessicarothman

Wells Fargo is a garbage company with significantly below average customer service, policies, employees, and values. I would rather sit in a cage with starved tigers before every opening an account with them again. I wish I listened to reviews. Please stay far far far away. Apply for every single credit card before even slightly considering giving them your business.

Comment

Michael Meyers
August 20, 2020 • @mike7763

Number one AAA security. I received a text and an email regarding suspicion of fraudulent charges on my account. The charges were declined pending my approval. Since they were not mine, I called and the account was closed per my request and a new card was sent to me. Knowledgable CS reps who spoke plain English and quickly handled the case.

Comment

staceykisting
August 7, 2020 • @staceykisting

This is the worst experience I have ever had trying to get a credit card. I have a credit score of over 800 and very good income. This company denied me from the start. I have never been denied credit for anything. I've had to call everyday and go into the bank twice to bring documents to prove where I live and who I am. Then they still denied me for insufficient income when that's not even an issue. I don't have a high debt to income ratio, I do not have credit card balances, and if I do it's paid off before the next billing cycle. I have NEVER missed a payment or was late on anything in my life. Very unfair practices. I will be reporting this company.

Comment

slkmoore
March 11, 2020 • @slkmoore

I have really tried to be patient but they give you the runaround about identity not verified for a rejection - even when you bring in the required documents to a Wells Fargo branch. But they say only your name can be on the document but then they say your equal payment plan has money owed but do not look at the document to see over the year I am ahead (winter is payback - summer is when it evens out). 3 phone calls, still the same garbage of cannot find a supervisor. With a credit score of 790. DO NOT APPLY TO THIS CREDIT CARD - it is a no go - if I could move my MORTGAGE I WOULD!

Comment

Review Wells Fargo Platinum card

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Wells Fargo Platinum card

Wells Fargo Platinum card

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Annual Fee

APR on Purchases

Balance Transfer

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Wells Fargo Platinum Pros & Cons

Wells Fargo Platinum Review

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