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The Wells Fargo Platinum card is no longer available for new applicants and card details may be out of date.
The Wells Fargo Platinum card is a solid 0% intro APR credit card that will help you reshape your finances without paying excessive fees. It doesn’t come with a long list of perks and rewards, but the benefits it does come with are highly useful if you're wanting to pay off debt faster or finance a big upcoming purchase without paying interest. Find out if this credit card is right for you with our in-depth Wells Fargo Platinum card review.
Good/Excellent (670-850)
Intro APR 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Balance transfers made within 120 days qualify for the intro rate and fee.
Purchases: 0% 18 months
Balance Transfers: 0%, 18 months on qualifying balance transfers
Regular APR
16.49%-24.49% (Variable)
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
A clear standout card in its category with a long 0% intro APR for 18 months from account opening on both qualifying balance transfers and purchases, no annual fee, and a FICO® Score for free.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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$200 cash rewards Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewards Earn unlimited 2% cash rewards on purchases. |
Intro: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 12 months from account opening Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers Regular: 20.24%, 25.24%, or 29.99% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
Discover will match all the cash back you’ve earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
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Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
|
25,000 points 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollar Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. |
Intro: 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular: 19.24% - 29.24% (Variable) |
Apply Now for Bank of America® Travel Rewards credit card
On Bank of America's Secure Website. |
This credit card is a good fit for: Consumers who need plenty of time to work on paying off expenses or credit card debt with a 0% intro APR offer.
The Wells Fargo Platinum card comes with a 0% intro APR for 18 months after account opening, which is one of the longest we've seen. Transfers must be made within 120 days of account opening to qualify.
The 0% intro APR for purchases is equally impressive at 18 months from account opening and adds interest-free versatility.
This card has no annual fee, which is a must if you’re already trying to pay off credit card debt and want to find the best credit card.
Another important feature for folks who are in debt is credit score tracking. The Wells Fargo Platinum card comes with free online access to your FICO® Score at any time as well as the Wells Fargo “My Money Map,” which provides you with tools to easily create a budget and manage your spending.
This feature is unique to Wells Fargo. As long as you sign up to pay your cellphone bill with your Wells Fargo Platinum card, your cellphone is insured. If it’s damaged or stolen, you’ll receive up to $600 in protection with a $25 deductible.
The intro balance transfer fee on the Wells Fargo Platinum card is 3% ($5 min.) for transfers made with 120 days from account opening. The fee afterwards is up to 5% ($5 min.). While the intro fee is competitive, it is a fee nonetheless.
You'll get plenty of use from the Wells Fargo Platinum card if you need to do a balance transfer, but you won't get many extras. The card comes with no rewards program.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Aim for a good credit score (700 and higher), although applications with a credit score of 670 or above may also be approved. Wells Fargo tends to favor people who have already built a relationship with them.
The Wells Fargo Platinum card is one of the best options for a 0% intro APR credit card. If you’re currently paying off debt that you know you could tackle in 18 months, you should get the Wells Fargo Platinum card to avoid paying interest on that debt. The money you save on interest will almost always offset the balance transfer fee, unless you already have an incredibly low APR.
If you have too much debt to pay off in the next 18 months, you might want to consider other options. You could always transfer a portion of your balance to the Wells Fargo Platinum card. Then, you can try to negotiate a lower interest rate for your remaining balance or look into low-interest credit cards and debt consolidation loans.
The Wells Fargo Platinum card also offers a 0% intro APR on purchases also for 18 months, making it a good option for people looking to finance a new purchase without paying interest. However, you should only consider this option if you’re certain you can pay off the balance in time, otherwise you’ll end up paying far more money in interest than you saved. Generally, it’s better to save up money for these kinds of purchases than to put them on a credit card.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Visa.