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

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Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Overview

If you need a 0% interest credit card, Wells Fargo Platinum card is an ideal no-annual-fee 0% intro APR VISA card with a long introductory period. It offers 0% Intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR. In addition, it has no annual fee and has low transaction fees for qualifying balance transfers.

  • 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
  • $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
  • Select "Apply Now" to learn more about the product features, terms and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
18 months from account opening
Regular APR
16.49%-24.49% (Variable)
Annual Fee (rates & fees)
$0

Card Benefits

0% Intro APR and Fees

The Wells Fargo Platinum card lets you enjoy 0% introductory APR for 18 months from account opening on purchases and qualifying balance transfers. After the introductory period, the go-to rate of 16.49%-24.49% (variable) applies.

If you need to make expensive purchases, you can take advantage of the 0% intro APR to make the purchases now and pay off the balance 18 months from account opening 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 0% Interest 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.

0% Interest for 18 Months

Credit Card0% Introductory InterestAnnual Fee
BankAmericard Credit CardBankAmericard® credit card0% on purchases and qualifying balance transfers for 18 billing cycles$0
Citi Diamond Preferred CardCiti® Diamond Preferred® Card0% on purchases and balance transfers for 18 months$0
Citi Double Cash Card - 18 month BT offerCiti® Double Cash Card - 18 month BT offer0% on balance transfers for 18 months$0

0% Interest for 15 Months

Credit Card0% Introductory InterestAnnual Fee
Wells Fargo Cash Wise Visa cardWells Fargo Cash Wise Visa® card0% on purchases and qualifying balance transfers for 15 months from account opening
(rates & fees)
$0
Bank of America Customized Cash Rewards Credit CardBank of America® Customized Cash Rewards credit card0% on purchases and qualifying balance transfers for 15 billing cycles$0
Citi Rewards+ CardCiti Rewards+® Card0% on purchases and balance transfers for 15 months$0
Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express0% on purchases and balance transfers for 15 months
(rates & fees)
$0
(fees)
Chase Freedom UnlimitedChase Freedom Unlimited®0% on purchases for 15 months$0
Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card0% on purchases for 15 months$0

0% Interest for 12 Months

Credit Card0% Introductory InterestAnnual Fee
U.S. Bank Altitude Go Visa Signature CardU.S. Bank Altitude Go Visa Signature Card0% on purchases and balance transfers for 12 billing cycles$0
Bank of America Travel Rewards Credit CardBank of America® Travel Rewards credit card0% on purchases for 12 billing cycles$0
Blue Cash Preferred Card from American ExpressBlue Cash Preferred® Card from American Express0% on purchases for 12 months
(rates & fees)
$0 introductory annual fee for one year, then $95.
(fees)

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