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You can review Wells Fargo Platinum card's rates and fees according to our latest records, which may be outdated.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.
%APR652Reviews78Q&AContact
APREditor ReviewQ&ACustomer Reviews
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)
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
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.
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 unlock a credit card on the app.
Freezing your Wells Fargo Platinum will temporarily prevent most purchases from being made with your card number, which can be convenient if you lost your credit card or if you're trying to control your spending. For lost cards, it's also important to note that you'll never be held responsible for unauthorized purchases thanks to a $0 fraud liability guarantee.
How to Freeze a Wells Fargo Platinum Online
Log in to your Wells Fargo online account or mobile app.
Pick the Wells Fargo Platinum and select Accounts.
Click Turn Card On or Off, under Manage Cards.
Change the settings so that your card is in the off position.
Locking your Wells Fargo Platinum will stop new card purchases (including authorized user cards), cash advances, and balance transfers. But it will continue to allow recurring transactions, refunds, reversals, and credit adjustments. To start using your credit card at full capacity again, just navigate back to the Wells Fargo Control Tower page and turn on the Wells Fargo Platinum.
Share your insights and review the Wells Fargo Platinum card
5
40%
4
25%
3
18%
2
10%
1
7%
3.8
652 reviews
652 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Andrew Lopez @andrew.lopez.50364592
Report Abuse
3 Star Rating
Wells Fargo Platinum Credit Card is a great card which also allows you to design your own card. I used to keep all my checking and savings account in Wells Fargo, but I moved my accounts to another bank leaving this card as my only connection to the bank. Over the years I never had any major issues with this card other than less than satisfactory customer service, but how often do you need that any way. I have very low APR for this card, which is the main reason why I still hold on to it.
show more
show less
Comment
5
2
Wes Johnson @wesxninja
Report Abuse
4 Star Rating
I signed up for this credit card immediately after setting up my college checking and savings accounts at Wells Fargo. They allowed me to choose the date of my payments which was very beneficial and I have had no troubles paying my card on time. Online banking is 24/7 so I've been able to keep up with my spending easily. The 1% doesn't seem like much, but the amount adds up faster than you expect if you use your card regularly. After just two years of membership Wells Fargo upgraded my account giving me more credit and a lower interest rate which is fantastic.
show more
show less
Comment
2
3
Rusty Shackleford @rustys_2
Report Abuse
5 Star Rating
This was the first credit card I signed up for before I started college and it is still my primary one. I started off with an average limit and it has risen over the years to a great extent which is very convenient in case of emergencies or expensive purchases. The interest rates and the minimum payment each month are fair. I also have the Wells Fargo rewards program linked to this credit card which allows me to get cash back and reward points which makes using it even better. Overall, I'm very satisfied with my card.
show more
show less
Comment
15
3
Andrea Elise @andreae_4
Report Abuse
4 Star Rating
I first got this credit card when I started college and like most college students with a very low income I did not know how to budget my finances and ended up maxing out my card within a couple of months. Thankfully after landing a great job, months of payments, and a great tax-return I was able to pay off my balance. Now I use my card for my regular monthly bills and make timely payments. I've never had any many issues and have been a long time customer with Wells Fargo. They've raised my credit limit multiple times which is great for my overall credit score, but I'm determined to never again max out on my limit. I really enjoy the rewards program and have a fun picture of my godson when he was a baby that I got to design for free!
show more
show less
Comment
0
1
Tara Bonhorst @tbonhorst
Report Abuse
3 Star Rating
I opened this card many years ago when I was first opening my checking account with Wells Fargo. Though I recently moved my account to a credit union, it was very convenient to have this card connected to my checking account. It allowed me to automatically pay my bill easily, which has been an issue for me with some other cards I have. I was also able to link it with my checking account to provide overdraft protection, though if you use it for that purpose you pay the much higher cash advance interest rates. They have consistently raised my credit limit as I established my credit, though like some other users here have commented my interest rate has not budged in ten years. One other fun feature is that you can design your own card with your own photos, I have gotten a lot of compliments on my card.
show more
show less
Comment
1
1
Dorothy Musacchio @dorothym_10
Report Abuse
5 Star Rating
This was my first credit card, and I've never had any issues with it. I was pretty hesitant to take out a credit card just because I didn't really need or want one. I was persuaded to take apply for the card by one of the employees at the bank. I like the convenience of having it linked to my regular checking account. It is incredibly simple for me to transfer money from that checking account to pay the monthly bill. I don't regret taking this opportunity to build credit while finishing school. I've never had any serious negative issues, and hopefully it will remain that way. I would recommend this card to anyone who has a checking account with Wells Fargo.
show more
show less
Comment
1
0
Chery Clapham @cheryc1
Report Abuse
3 Star Rating
I signed up for this credit card to begin building credit when I had started college. At the beginning, it was great. I have never had a problem with the customer service on the card, or with experiencing fees. However, my opinion of this card has recently changed. I have had this card with Wells Fargo for four years, and have never missed a payment or made a late payment, and my APR continues to be at 24.99%. I faxed a request to the executive office, asking that my APR be lowered considering my good standing with Wells Fargo (as I have other accounts with them) and excellent credit, and they have refused to lower the APR. I liked that Wells Fargo helped me to establish my credit, but since they will not lower my APR based on my credit, I am changing credit cards.
show more
show less
Comment
1
1
Cassie Miller @cassie.miller.9678
Report Abuse
5 Star Rating
The Wells Fargo Platinum credit card is great, when I was just starting college my grandma added me to her credit card to help assist with school needs. Now I have had it about ten years and love it. The interest is not too bad for what you are using the card for and I have never had problems with customer service. Any time something didn’t look right on the card I could call and get the information that I needed to clear up the matter. Also what is great is that you get rewards for what you spend, so every so often I go in and check my rewards and I am able to get gift cards, travel vouchers, and even money added to your account. My credit on this card has gone up over there years which has really helped me out, I don’t know what I would do if I didn’t have a Wells Fargo Credit Card.
show more
show less
Comment
3
0
Rob Thompson @rob.thompson.1276487
Nice commercial! =)
show more
show less
Comment
0
0
Charita Mondier @charitam
Report Abuse
4 Star Rating
This is an OK credit card to have. I signed up for this because I have a checking and saving account with Wells Fargo. Nothing-fancy going on with the card, just very basic features with no rewards programs and higher then average interest rates and fees. Get this card if you can’t get approved for any others. Competitors offer much better interest rates and incentives. I do regret signing up for this, not because it is a terrible card, but because compared to what is out there this is at the very bottom of the pack. Also watch out for free trial offers for other products they try to get you to sign up for, they are not free and will cause a lot of confusion when you try and dispute the charge, as you will talk to a totally different person who doesn’t know what they offered.
show more
show less
Comment
0
0
Marilyn Schehl @marilyns_7
Report Abuse
4 Star Rating
I signed up for this credit card when I got my first job at a retail store. I was then living with my parents and was saving some money earned from my job as well. For the first six months, the card was interest free so I didn't have to worry about paying more than the price of my purchases. I like the services Wells Fargo provides me with this credit card and find the online features very useful for bill pay, card payment, account balance etc. Because this is my first credit card, I try to use it responsibly so as to not accrue any fees and ensure that my credit score improves. Overall I can attest that its a good service Wells Fargo provides.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
