Wells Fargo Platinum - Find Me a Card

Wells Fargo Platinum

A very basic card with no annual fee, but also no ongoing rewards and no signup bonus.

Your total savings: $200 over the next 5 years

View reward details
Credit Score Required:
Average (670-739)
Issuer:
Wells Fargo
Network:
Visa

Rewards & Perks

Reward Highlights

  • This credit card has no notable rewards.

Other Rewards & Perks

  • Car rental loss and damage insurance: Provides you reimbursement for damage due to collision or theft. Coverage is supplemental to and in excess of other insurance. You must decline the collision/loss damage waiver offered by the auto rental agency.
  • Roadside dispatch: 24-hour, toll-free referral dispatch for emergency roadside assistance services like towing, changing a flat tire, boosting a battery, fuel delivery, and more.
  • Travel accident insurance: Get automatic insurance for loss of life or limb at no extra charge when you use your credit card to purchase your fare.
  • Travel and emergency assistance services: Lets you get help coordinating medical, legal, and travel services when you are traveling. The cost of any goods or services is your responsibility.
  • Cell phone protection: Up to $600 protection on your cell phone against covered damage or theft (but not loss) when you pay your monthly cellular telephone bill with your credit card. (For some issuers that offer this benefit, you'll need to pay a $25 deductible.)
  • Free online access to your FICO credit score: You can opt-in to access your FICO Score updated monthly for free, within your Mobile Banking app or in Online Banking.
  • My Money Map: Tools to help you manage spending and create a budget with ease.
  • Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)
  • Overdraft protection: A service to help prevent declined purchases, returned checks, or other overdrafts.
  • Account alerts: Stay on top of your balances and due dates by setting customer email or text alerts.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 16.49-24.49%. (0% for the first 18 months.)
  • APR on balance transfers: 15.49-24.99%. (0% for the first 18 months on balance transfers posted to your account within the first 120 days.)
  • Foreign transaction fee: 3%.

Annual Fee: $0

Interest Rate (“Purchase APR”): 16.49-24.49% (0% for the first 18 months)

BT Fee: 5% of BT (3% for the first 4 months)

BT APR: 16.49-24.49% (0% for the first 18 months)

Cash Advance Fee: 5%

Cash Advance APR: 23.99-25.99%

Foreign Transaction Fee: 3%

Overdraft Notes

  • Overdraft protection advance fee:
    • $12.50 if the total of overdraft protection advances for the day is $50 or less.
    • $20 if the total of overdraft protection advances for the day is greater than $50.
  • Overdraft protection advance APR:
    • 23.99% to 25.99%, based on your creditworthiness. (This APR will vary with the market based on the U.S. Prime Rate.)

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Other Info

Date Last Updated: 2021-01-15


Notes & Fine Print

You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers - even if that account is closed and has a $0 balance.


Go to wellsfargo.com to learn more

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