Wells Fargo Platinum Credit Card Reviews: 650+ User RatingsReviews, rates, fees, and customer service info for The Wells Fargo Platinum card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersReports to the three major credit bureausNo rewardsNo rewards bonusBalance transfer feeForeign fee
We're sorry, but the Wells Fargo Platinum card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-642-4720, Ext.
You can review Wells Fargo Platinum card's rates and fees according to our latest records, which may be outdated. Alternatively, you can compare the latest credit card offers.
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
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)
The Wells Fargo Platinum credit card is a very good credit card for people with good credit or better who want a long-lasting 0% introductory APR and a $0 annual fee. Wells Fargo Platinum offers 0% for 18 months on new purchases and 0% for 18 months on qualifying balance... show more
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
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$0 Annual Fee.
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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
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Easy access to your FICO® Credit Score with Wells Fargo Online®
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Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
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Convenient tools to help create a budget and manage your spending with My Money Map
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.
The best Wells Fargo Platinum promotion used to be an introductory APR of 0% for 18 months on purchases. However, this card is no longer available to new applicants. But this doesn't mean you are out of options.
If you are looking for a credit card with generous promotions, you could check out the Wells Fargo Active Cash® Card, instead. This card offers generous rewards, as well as intro APRs on both purchases and balance transfers. Wells Fargo Active Cash has a $0 annual fee, too. Also, if you are not loyal to Wells Fargo, it's worth noting that there are several more credit cards with good promotions available.
Yes, the Wells Fargo Platinum card does offer a roadside assistance benefit. Wells Fargo Platinum roadside assistance gives cardholders 24/7 access to a wide range of services whenever their vehicle breaks down.
Wells Fargo Platinum cardholders can call 1 (800) 847-2869 to request any of the following roadside assistance services:
The main Wells Fargo Platinum requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
To log in to your Wells Fargo Platinum card account, go to the login page on the Wells Fargo website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign On” to access your online account. If you don't already have an account, you will need to start by...
Yes, the Wells Fargo Platinum card does have a late fee of up to $40, which applies when cardholders don't make the minimum payment by the due date. Thanks to the CARD Act of 2009, the Wells Fargo late fee can never exceed the minimum payment amount.
If you accidentally make less than the required minimum...
The Wells Fargo Platinum card does not offer price protection. The Wells Fargo Platinum card's lack of a price protection benefit is not uncommon these days, as more and more credit cards have dropped this perk. Recent advances in price-tracking technology have led to a dramatic increase in price protection claims, making the benefit...
Yes, the Wells Fargo Platinum card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Wells Fargo Platinum statement balance in full every month, Wells Fargo will not charge any interest.
To check your Wells Fargo Platinum balance, log in to your Wells Fargo account online or call credit card customer service at 1-877-805-7744. It's also possible to check your Wells Fargo Platinum balance through the Wells Fargo app.
The Wells Fargo Platinum annual fee is $0 per year. Wells Fargo Platinum's $0 annual fee is lower than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Wells Fargo Platinum card, though.
To freeze a Wells Fargo Platinum, log in to your online account or the Wells Fargo mobile app and navigate to “Wells Fargo Control Tower.” You can also call Wells Fargo customer service at 1 (800) 869-3557 and ask them to freeze your card, though it is much easier to lock and...
Share your insights and review the Wells Fargo Platinum card
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41%
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3.8
655 reviews
655 reviews
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Keisha Pollard @keishapollard_thesunshinegirl
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4 Star Rating
In general, I enjoy my Well Fargo Platinum Credit Card. I had 0% APR for 6 months which was great because I was just learning how to properly use my credit card. My payments can be automatically withdrawn from my account or I can transfer it myself. It's easy to use and Wells Fargo Customer Service is always pleasant to deal with. I have never had any issues with the card, and when I used it on the East Coast the Fraud Center contacted me immediately to confirm that I was the one using the card. I also love that I can immediately deposit cash into Wells Fargo ATMS and make payments that way! When I applied for the card, it took less than a week for e to be approved and I was able to customize it online for free which is a nice gesture on their part. I have never dealt with a more friendly bank. Overall, a great card for someone just starting to build credit and looking to have low monthly payments.
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Allison Groll @aliceacedia
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3 Star Rating
I've had a few ups and downs when using the Wells Fargo Platinum Credit Card. At the beginning it was amazing, seeing how I had a high credit limit and no interest fees for 6 months. But after the "honeymoon" so to speak, it became a bit of a battle. Purchases would take weeks to post to my card, and thus I never knew exactly how much credit I had left at any given time. Guessing would cause me to overdraft occasionally which was very frustrating. These days I've been able to use my card with few problems, but I never know when they will pop up again and cause my credit score to suffer. Hopefully this is just a personal issue, and not something many people deal with on the regular, but I figured it'd be good to share my opinion just in case it has happen to others. Best of luck with your W.F. Platinum card!
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Christopher Ryan @christopher.ryan.5011516
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4 Star Rating
The Wells Fargo Platinum Card has been great for me. The annual APR is usually really low, and my credit has been extended multiple times. The service also sends reminders if I am past due for a minimum payment!
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Derek Jenson @derek_jenson_14
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4 Star Rating
This is just your basic card, not too many bells and whistles. I use this mainly as my emergency card, it is linked to my checking account in case of accidental overdraft. Wells Fargo has always provided me with great customer service, and this card is no different. Would definitely recommend to anyone.
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Justin @Butters
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3 Star Rating
I haven't had too many problems with my credit card. The only thing that bothers me is the interest rate. I understand this isn't the bank's fault, but it's ridiculous that I'm restricted with what I can do with my own money. Overall, the card has been more bad for me than good, but that's with all credit cards. The temptation is too high to not use it. I have since destroyed the card but it was useful for me at one time.
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Barrett Round @bpround
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4 Star Rating
I have had this card for many years. And while I have little use for it's uncompetitive 1% flat-rate rewards, it has a 2.99% + Prime rate which I negotiated before the turn of the decade and the tightening of that tactical option used over the phone with a service rep. It also has such a high limit, I was able to create my start-up (food truck).
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Renée Aspinwall @r.b.aspinwall
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4 Star Rating
I have had the Wells Fargo Platinum credit card for over a year now. This has been my first credit card and overall the experience has been very good. I was approved quickly and received the card in a timely manner. So far I only use my card for gasoline and emergencies, paying off any debt I have immediately which has been working for me very well in building my credit score.
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Rory Whyville @rory_whyville
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3 Star Rating
The 0% interest rate is great, as long as you do not spend more than you can pay off. After the six months I had a balance that I could not pay off and a very high interest rate. Obviously this is my fault, and not Wells Fargo. Right now the card is canceled and I am working on paying it off. While I did have it, it was always approved quickly. If you cannot pay off the balance before the interest is added I would recommend looking for a card with a lower interest rate.
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Brett Cole @BBoneC
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5 Star Rating
I had just moved out to Tempe, Arizona to go to Arizona State University. I had no credit cards prior to this so I figured it was going to be very hard to get one that suited me well. I had been banking with Wellsfargo since I could remember. I figured I would give them a shot first and maybe try others later. I was not let down. The low APR was awesome. They even gave me a credit limit of 800 to start off with. I wasn’t expecting anything more than 500. To this day it’s the only credit card I use. I’ve had nothing wrong happen and my limit keeps going up. 5 out of 5 stars.
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Dusan Dravinec @dusan.dravinec
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5 Star Rating
Wells Fargo platinum debit card is the best in the world........
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+ 574 users submitted a rating without writing a full review
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