Unless it’s key to your credit score, it’s worth upgrading this long-obsolete card to a stronger option. Feb 20, 2024 / 7 min.
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What is the Wells Fargo Platinum Visa® Card?
For those looking for a credit card that offers travel protection, everyday convenience, and rewarding benefits, Wells Fargo Platinum Visa® Card is a formidable option. This credit card provides a generous introductory APR of 200% on purchases and balance transfers for a period of 2018 months (after which it will switch to a variable APR, as of 2013). 99%, 18. 99%, or 23. 99%, contingent upon your creditworthiness), making it the best option for financing major purchases or debt consolidation.
Unlocking the Benefits:
The Wells Fargo Platinum Visa® Card boasts a plethora of benefits that enhance your financial and travel experiences. Let’s delve into the key features:
Shopping Benefits:
- Cellular Telephone Protection: This valuable feature safeguards your cell phone against damage, theft, or involuntary and accidental parting. It covers the cost of repair or replacement, up to a maximum of $600 per claim and $1,200 per 12-month period.
Travel Benefits:
- Emergency Cash Disbursement and Card Replacement: Lost your card or need emergency cash? This benefit provides access to emergency cash advances or card replacements within 1-3 business days, ensuring you’re never stranded.
- Travel and Emergency Assistance Services: Enjoy 24/7 access to emergency assistance, including medical referrals, legal assistance, emergency transportation, and more. This service provides peace of mind and support during unexpected travel situations.
- Auto Rental Collision Damage Waiver: This coverage reimburses you for damage or theft to your rental car, offering financial protection during your travels.
- Roadside Dispatch®: Get reliable roadside assistance, including towing, tire changes, jump starts, lockout service, and fuel delivery, for a set price per service call.
- $150,000 Worldwide Automatic Common Carrier Travel Accident Insurance: This insurance provides financial protection in case of an accident while traveling on a common carrier.
Additional Perks:
- No Annual Fee: Enjoy all the benefits without paying an annual fee, making this card a budget-friendly option.
- Rewards Program: Earn points on every purchase, which you can redeem for travel, merchandise, or cash back.
- Global Acceptance: Use your card virtually anywhere Visa is accepted, offering convenience and flexibility during your travels.
Is the Wells Fargo Platinum Visa® Card Right for You?
This card is an excellent choice for individuals seeking a no-annual-fee card with a long introductory APR, valuable travel benefits, and everyday convenience. If you frequently travel, appreciate comprehensive protection, and desire a rewarding credit card experience, the Wells Fargo Platinum Visa® Card is worth considering.
How to Apply:
Applying for the Wells Fargo Platinum Visa® Card is a straightforward process. To submit your application, go to the Wells Fargo website, give them a call at their customer service number, or stop by a nearby branch.
Additional Resources:
- Wells Fargo Platinum Visa® Card Guide to Benefits: https://www.wellsfargo.com/credit-cards/platinum-visa/guide-to-benefits/
- Wells Fargo Platinum Visa® Card Review: https://www.bankrate.com/finance/credit-cards/reviews/wells-fargo-platinum-visa-credit-card/
Disclaimer:
This information is for general knowledge and should not be considered financial advice. For full details and eligibility requirements, please refer to the official Wells Fargo Platinum Visa® Card terms and conditions.
Best cards to pair with the Wells Fargo Platinum
If you intend to keep the Wells Fargo Platinum card, its main purpose should probably be to serve as a low-interest card in case you need a little extra time to pay for a purchase. However, if at all possible, we advise against carrying a balance without a zero-interest offer.
Since the Wells Fargo Platinum lacks any features that entice you to combine it with another Wells Fargo card, you are free to select any credit card that best suits your needs. You may consider a rewards card if you no longer have a balance to pay off. The helpful Spender Type tool on Bankrate could point you in the right direction if you’re not sure where to begin.
Wells Fargo Platinum card
*The information about the Wells Fargo Platinum card has been collected independently by Bankrate. com. The card details have not been reviewed or approved by the card issuer.
Credit card ratings are determined by our writers, editors, and industry professionals using a range of criteria, such as card features, bonus offers, and independent research. Credit card issuers have no say or influence on how we rate cards.
A person’s creditworthiness is represented by their FICO score, which also serves as a potential indicator of the type of credit they qualify for. However, credit score alone does not guarantee or imply approval for any financial product.
0% intro APR for 18 months from account opening
Intro offer Intro offer is not available for this Wells Fargo credit card.
Rewards rate is not available for this credit card.
The information about Wells Fargo Platinum card has been collected independently by Bankrate. com. The card details have not been reviewed or approved by the card issuer. The Wells Fargo Platinum card is no longer available. Lightbulb.
As of Oct. The Wells Fargo Platinum card has been discontinued as of April 4, 2021, in favor of the Wells Fargo Reflect® Card, which is the issuer’s balance transfer card. Thankfully, the Reflect is a significant improvement over competing cards and remains the greatest Wells Fargo card for balance transfers, providing excellent introductory APRs and favorable terms.
Is the Wells Fargo Platinum card worth it? | Wells Fargo Platinum 2023 | Wells Fargo Credit Card
FAQ
Is it hard to get a Wells Fargo Platinum Card?
What does a Wells Fargo Platinum card mean?
What does it mean to have a platinum Bank card?
What is the credit limit on a Wells Fargo Platinum card?
What credit cards does Wells Fargo have?
The majority of Wells Fargo credit cards, though, require good (700+) credit in order to qualify. Wells Fargo Business Secured Credit Card: Accepts applicants with bad (300+) credit. Furniture Barn Credit Card: Requires fair (640+) credit. American Furniture Warehouse Credit Card: Requires fair (640+) credit.
Does Wells Fargo have a cash back credit card?
Yes. Wells Fargo offers cash-back cards like the Wells Fargo Active Cash Card, in addition to other cards, including travel rewards cards. How do cash-back credit cards work?
Does the Wells Fargo platinum credit card have rewards?
While the Wells Fargo Platinum card does not come with a rewards program, the Wells Fargo Active Cash card does earn cash back rewards. You can redeem rewards to cover recent purchases, as a credit on a qualifying Wells Fargo credit card, checking account or mortgage, or even via a Wells Fargo ATM.