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HighlightsCredit Card Feature
Things We Like0% Intro APR for 15 months on purchases and balance transfers
Our Least Favorite No rewards or cash back program
Our Verdict Great card for balance transfers or big ticket purchases

Wells Fargo Platinum Visa® Card is a basic credit card which may interest you if earning rewards is not something you want from your credit card. This card is a great card to consider if you want to make a big ticket purchase or transfer a balance since it gives you a long low introductory APR period for purchases and balance transfers, and provides a number of useful financial tools. Considering that Wells Fargo has 8,700 locations and 13,000 ATMs, there are good arguments for getting a credit card from this major bank.

However, Wells Fargo issues a number of other credit cards which let you earn rewards, while this card does not. So what makes Wells Fargo Platinum Visa® Card special? This review looks at the pros and cons of this card to answer that question.

Things We Like About Wells Fargo Platinum Visa® Card

It has a $0 annual fee. Not having to pay an annual fee to use a credit card means one less expense to worry about. In general, it's usually a good idea to get a card without an annual fee unless it offers outstanding, money-saving features that can more than make up for the price you have to pay each year.

You get an introductory low APR period for balance transfers. This card has a 0% intro APR for 15 months on purchases and balance transfers with a 15.90% - 25.74% variable APR after that intro period (balance transfer fees apply). This is a big plus if you have card debt, as you can transfer your balances from other credit card accounts to this account and benefit from that long introductory APR period. Just note that a balance transfer fee applies (most balance transfer credit cards charge this). If you transfer your balances in the first 15 months, you benefit from an introductory fee of either $5 or 3% of the amount of each balance transfer (whichever is greater). After that, you pay up to 5% for each balance transfer with a minimum of $5, so make sure to complete all your transfers in the first 15 months. Since there is also an intro APR period for purchases, this card works well for making large purchases and paying them off over the intro period to avoid interest charges.

You can choose to get alerts. The idea of credit card alerts may conjure up memories of annoying SMS messages or emails causing your phone to buzz each time you swipe your card. But Wells Fargo has done alerts the right way, giving you the option to choose which transactions you receive alerts for. For example, you can choose to only be alerted when a transaction is made in a foreign currency, or when a really large purchase is charged to your account. These alerts can help tip you off to fraud early on.

Zero liability protection. If your card is lost or stolen, you won't be held liable to pay for fraudulent transactions if you report the loss of your card in a prompt manner.

You get travel accident insurance. When you use this card to pay for your travel bookings, your common carrier trips (airline, train, bus) are automatically covered with worldwide travel accident insurance. If you are killed or permanently disabled in a common carrier accident anywhere in the world, you, your family or a beneficiary you specify will receive a benefit of up to $150,000.

Auto rental collision damage waiver. You benefit from complimentary rental car insurance coverage when you use this card to pay for the rental. This benefit covers the cost of replacing the vehicle if it is stolen or damaged in a collision while you are renting it. It also covers relevant towing charges resulting from a collision. This coverage is secondary, which means coverage only applies if you don't already get the same coverage from another insurance policy. That means you need to turn down the collision damage waiver offered by the car rental company for this coverage to apply. Most cars are covered, but there are some exceptions (exotic cars, for example).

You can get cellular phone protection. If you use this card to pay your monthly cellular phone bills, you get protection against theft and damages that render your phone unusable. If your phone is stolen or seriously damaged, you can get a benefit of up to $600. Each claim is subject to a $25 deductible. There are some exceptions which are not covered, such as when your phone is stolen in a construction site, but on the whole this complimentary phone protection is a useful benefit in this smartphone age.

Our Least Favorite Things About Wells Fargo Platinum Visa® Card

You do not earn rewards. This is a basic credit card and does not let you earn points or cash back on your spending.

You pay a fee when you use this card outside the US. This card has a 3% foreign transaction fee, so you pay every time you use this card to make purchases or get a cash advance in a foreign currency. This is only a disadvantage for people who travel outside of the US.

How Other Cards Compare With Wells Fargo Platinum Visa® Card

APPLY NOWAt Wells Fargo's secure website
NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
Intro APR:0% intro APR for 12 months on purchases and balance transfers
Regular APR:13.74%-25.74% (Variable)
Annual Fee:$0
Credit Required:Excellent/Good
0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days, then 12.74% - 22.74% Variable APR
Intro APR:0% Introductory APR for 15 billing cycles for balance transfers made in the first 60 days
Regular APR:12.74% - 22.74% Variable APR
Annual Fee:$0
Credit Required:Excellent/Good

This Wells Fargo Platinum Visa® Card is designed for minimalists who prefer a clean, no-nonsense approach to credit cards. If you only use credit cards for occasional travel bookings or the odd online purchase, then this card may be all you need. This card is also a good option for balance transfers or big ticket purchases because of the intro APR offer.

However, considering that Wells Fargo delivers most of the same benefits you get with this card on its Wells Fargo Cash Wise Visa® Card, with the addition of a great flat-rate of cash rewards and a bonus offer which lets you earn extra cash back when you make Apple Pay or Android Pay purchase transactions during the first 12 months from account opening, you might be better off with Wells Fargo Cash Wise Visa® Card.

This card offer is currently unavailable through GET.com! However, click here to check out our best rated Balance Transfer Credit Cards.