Wells Fargo Platinum card Review – 0% Intro APR for 18 Months

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Overview

If you need a 0% intro APR credit card, Wells Fargo Platinum card, from our partner Wells Fargo, is an ideal no-annual-fee 0% intro APR VISA card with a long introductory period. It offers 0% Intro APR for 18 months on purchases and qualifying balance transfers. In addition, it has no annual fee and has low transaction fees for qualifying balance transfers.

Card Benefits

0% Intro APR and Fees

The Wells Fargo Platinum card lets you enjoy 0% introductory APR for 18 months on purchases and qualifying balance transfers.

If you need to purchase big-ticket items, you can take advantage of the 0% intro APR to make the purchases now and pay off the balance 18 months later. As long as you make minimum payments shown on your each credit-card statement every month, you will not have to pay any interest or fees for 18 introductory months.

If you carry debt on other credit cards, you can transfer the existing credit-card balance to the Wells Fargo Platinum card to save money by paying no interest for 18 intro months.

This credit card has no annual fee, which means there is no cost to keep the card for a long time.

For each balance transfer, there is a one-time transaction fee. If you transfer balances within 120 days from account opening, the introductory balance transfer fee is 3% of the amount of each balance transfer, with a minimum fee of $5. After the 120-day introductory period, you pay up to 5% for each balance transfer, with a minimum of $5. The introductory balance transfer fee of the Wells Fargo Platinum card is among the lowest of all balance-transfer credit cards on the market.

Free FICO Score

Card members of Wells Fargo Platinum card can find out where you stand when it comes to their credit. If you sign up for this credit card, you can get access to your FICO® Score through Wells Fargo Online®. You need to be the primary account holder of the Wells Fargo credit card, and need to be enrolled in Wells Fargo Online® banking.

Required Credit Rating

The Wells Fargo Platinum card is for people with good or excellent credit rating. If you have a credit score of 700 or more, you may qualify for the credit card.

Is this the right card for you?

The Wells Fargo Platinum card is best for people to save money with its 0% interest offer for a long introductory period of 18 months. It has no annual fee and a low transaction fee for balance transfers. Card members also have access to free FICO scores as an additional perk.

Similar Credit Cards

If you are interested in the Wells Fargo Platinum card, you may also consider a few other 0% introductory APR credit cards with similar benefits.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Citi® Diamond Preferred® Card

0% intro APR
for 18 months

14.74% - 24.74% (Variable) APR after that

0% intro APR
for 18 months

14.74% - 24.74% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi Rewards+℠ Card

0% intro APR
for 15 months

13.49% - 23.49% (Variable) APR after that

0% intro APR
for 15 months

13.49% - 23.49% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi® Double Cash Card - 18 month BT offer

13.99% - 23.99% (Variable) APR

0% intro APR
for 18 months

13.99% - 23.99% (Variable) APR after that

$0

Excellent CreditApply NowView Card Details
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Capital One Quicksilver Cash Rewards Credit Card

0% intro APR
for 15 months

15.49% - 25.49% (Variable) APR

0% intro APR
for 15 months

15.49% - 25.49% (Variable) APR

$0

Excellent, Good CreditLearn MoreView Card Details
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
ABOC Platinum Rewards Credit Card

0% intro APR
for 12 months

12.90% to 22.90% Variable APR after that

12.90% to 22.90% Variable APR

$0

Excellent CreditApply NowView Card Details
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% - 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
Capital One SavorOne Cash Rewards Credit Card

0% intro APR
for 15 months

15.49% - 25.49% (Variable) APR

0% intro APR
for 15 months

15.49% - 25.49% (Variable) APR

$0

Excellent, Good CreditLearn MoreView Card Details
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. Balance transfer fee - either $5 or 3% of the amount of each transfer, whichever is greater.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49%-25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees
  • 0% Intro APR on Purchases for 12 months; after that the variable APR will be 12.90% - 22.90% (V), based on your creditworthiness
  • Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
  • Earn 5x rewards on up to $1,500 in combined purchases each quarter in popular categories such as dining, groceries, travel, and automotive
  • No upper limit on the points you can accumulate, and since points never expire, you can save up for a big award!
  • Earn Points on Every Purchase! It's simple: $1 = 1 Point
  • No Annual Fee
  • Select Your Rewards Your Way
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 15.49% - 25.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No foreign transaction fee
  • No annual fee

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