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Sign up today for the Wells Fargo Platinum Visa® Card for great features including competitive introductory purchase and balance transfer rates, no annual fee, and $600 protection on your cell phone.
With this card you’ll also be able to enjoy convenient features to help you manage your money such as Zero Liability Protection, 24/7 online account access, and text and email alerts that help you monitor your spending.
Examples of additional card benefits include auto rental collision damage waiver, emergency card replacement, and roadside dispatch. With no annual fee, this card is worth considering.
Wells Fargo Platinum Visa Card Summary
| Bonus Available | No bonus available |
| Ongoing Benefits |
|
| Foreign Transaction Fees | 3% of the total transaction amount |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
* The Wells Fargo Platinum Visa Card is issued by Wells Fargo. They also offer great sign-up bonuses. You can also compare this card with other credit card bonuses!
PROS
- No annual fee
- Intro APR period on Purchases and qualifying Balance Transfers
CONS
- No rewards or cashback
- No sign up bonus
Editor’s Alternate Pick
 The Chase Freedom Unlimited® Card offers a $250 bonus after spending $500 on purchases in your first 3 months from account opening. Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR. In addition, you can earn: • 6.5% cash back on travel purchased through Chase TravelSM, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more • 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service • 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase TravelSM, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases. There is no minimum to redeem for cash back & your cash back rewards do not expire as long as your account is open. This card comes with no annual fee and you'll get a free credit score that is updated weekly with Credit JourneySM. Member FDIC |
Introductory APR Promotion
The card offers 0% intro APR for 18 months on purchases and qualifying balance transfers, and once the introductory period ends the usual variable APR will be applied and it will depend on creditworthiness and prevailing rates.
Cell Phone Protection
When you use your Wells Fargo Platinum card to pay your monthly cell phone bill, you can get up to $600 of protection on your cell phone against covered damage or theft. The coverage is subject to a $25 deductible plus you have a limit of two claim per year.
Keep in mind that the benefit does not cover lost cell phones – your phones must be stolen, with an accompanying police report or damaged while remaining in the owner’s possession.
Overdraft Protection
With Wells Fargo’s overdraft protection service, it will allow you to link your credit card account with your corresponding Wells Fargo checking account. So if you ever find yourself making a transaction in your checking account that resulted in an overdraft, Wells Fargo will cover the difference by drawing a cash advance on your Platinum card’s available credit line.
Just know that if you are going to use this service, you are subjected to a $12.50 fee for any transfers that is less than $50 and a $20 fee for transfers that are greater than $50. Also note that advances will accrue interest at the regular cash advance rate, depending on your creditworthiness and prevailing rates.
Visa Backed Benefits
In addition to the cell phone protection benefit, the Wells Fargo Platinum Visa also has a number of useful perks from Visa. These includes:
- Complimentary loss and damage on rental cars charged in full to your card
- Travel emergency assistance and roadside assistance
- Worldwide travel accident insurance (up to $150,000 benefit)
Important Fees To Note
This card has no annual fees, but they do have foreign transaction and balance transfer fees. If you decide to use this card abroad, foreign transactions cost 3% of the total transaction amount.
See the terms and conditions.
Advantages
This card has no annual fee. This is best for those cardholders who wishes to take advantage of the introductory APR and minimize their ongoing card usage costs.
This card has an APR promotion that includes interest- free purchases and balance transfers for 18 months which is better than many competing cards.
With this cell phone protection plan, it’s a great way to be prepared and get protected against the unknown and reduce cell phone replacement costs without paying anything upfront.
This card’s overdraft protection feature is useful if you have a Wells Fargo checking account that you occasionally overdraft.
This card doesn’t charge a penalty APR which is good for cardholders who sometimes miss payments.
Disadvantages
The Wells Fargo Platinum Visa doesn’t offer any rewards or cashback compared to other competitors who offer modest generous travel rewards or cashback rewards.
This card also doesn’t have a sign-bonus that you can take advantage of, which is disappointing for cardholders who are looking for amazing deals.
Although this card has no annual fee, this card’s regular purchase APR can be significantly higher than many competing cards with long 0% APR introductory periods.
So if you’re planning to use this cards heavily after the promotional period ends, your card ownership cost will depend to a great degree on the rate you’re able to secure.
If you do plan to use this card abroad, the 3% foreign transaction fee is going to be a costly addition for you. Consider looking into an annual-fee-free travel rewards card that doesn’t charge foreign transaction fees.
Conclusion
The Wells Fargo Platinum Visa® Card includes signature features like Rapid Alerts which will send you fast text and email alerts for monitoring spending, tracking purchases, and receiving notifications of irregular or suspicious activity. Also feel safe knowing you have access to a zero liability program, overdraft protection, and chip technology.
This card would be great for those seeking to take advantage of low introductory APR and transfer higher rate balances. If you’re interested, sign up today! Otherwise, find out which card is right for you by checking out our complete list of Credit Card Promotions today!
What’s the Competition?
* Below are some of the top competitors to Wells Fargo Platinum Visa® Card to consider.
 The Capital One Savor Cash Rewards Credit Card offers a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 3% Cash Back at grocery stores (excluding superstores like Walmart and Target), on dining, entertainment and popular streaming services. • 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply). • 8% Cash Back on Capital One Entertainment purchases. • 1% Cash Back on all other purchases. This card comes with no annual fee and no foreign transaction fees. |
 The Capital One Quicksilver Cash Rewards Card offers $200 Cash Back after spending $500 on purchases within 3 months from account opening. 0% intro APR on purchases and balance transfers for 15 months; variable APR after that; balance transfer fee applies You'll earn: • 1.5% Cash Back on every purchase, every day with no rotating categories or sign-ups needed to earn cash rewards. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply. This card comes with no annual fee and no foreign transaction fees which makes this card a viable option for your go-to everyday card. |
 The Blue Cash Preferred® Card from American Express offers a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It(R) to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 18.24% - 29.24%. You'll earn • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). • 6% Cash Back on select U.S. streaming subscriptions. • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). • 1% Cash Back on other purchases. • $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout. The card does come with a $0 intro annual fee for the first year, then $95. (See Rates & Fees) Terms Apply. |
The Best Bank Offers are updated here. See the below pages to get started with some of the best offers: • Chase Bank Offers. Chase offers a range of attractive Checking, Savings and Business Accounts. Chase has a great selection of sign-up bonuses in comparison to other big banks. • HSBC Bank Offers. HSBC Bank routinely has offers for several of their Personal Checking and Business Checking accounts. They also have a good referral program. • Huntington Bank Offers. Huntington Bank has high bonus amounts available through their Checking and Business Checking. Huntington also offers a Business Premier Money Market Account. • Discover Bank Offers. Discover Bank offers top cashback, savings, money market accounts and CD rates for you to take advantage of. Discover has industry leading selections to cater to your banking needs. • TD Bank Offers. TD Bank consistently offers a fantastic selection of checking accounts to cater to your banking needs. However, savings account offers are less frequently available. |
