Wells Fargo Platinum Card

0% intro APR for 18 months from account opening on purchases and balance transfers. After that your variable APR will be 16.49% to 24.49%. Balance transfers made within 120 days from account opening qualify for the intro rate and fee.

$0 Annual Fee. Wells Fargo Platinum card full terms and conditions. Opens in a new window.

Important Credit Terms

Next Step: Apply

Enjoy our lowest and longest
intro APR

Lowest intro APR for 18 months
from account opening on purchases and qualifying balance transfers

Additional card features
and benefits

Access to your FICO registered trademark Credit Score
Find out where you stand when it comes to your credit.
Get access to your FICO registered trademark Score and more for free through Wells Fargo Online registered trademark.¹
My money map
Tools to help you manage spending and create a budget
with ease.

Cell phone protection
When you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card, you’ll get up to $600 of protection (subject to $25 deductible) against covered damage or theft.²
Card and account activity alerts
Help monitor your spending purchases and any suspicious activity with text and email alerts and notifications.³

Props for Platinum

2020 WalletHub
Best Credit Card for 0% Intro APR on Purchases

Wells Fargo Platinum Card

Enjoy our lowest and longest intro APR

0% intro APR for 18 months on purchases and qualifying balance transfers

Platinum Card

Important Credit Terms. Wells Fargo Platinum full terms and conditions. Opens in a new window.

Next Step: Apply

Credit card is subject to credit qualification.

Eligibility for introductory rate(s), fees, and bonus rewards offers

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.

You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.

1. You must be the primary account holder of an eligible Wells Fargo consumer account with a FlCO^® registered trademark Score available, and enrolled in Wells Fargo Online^® registered trademark. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. Other consumer accounts may also be eligible. Contact Wells Fargo for details.

Please note that the score provided under this service is for educational purposes only and may not be the score used by Wells Fargo to make credit decisions. We may use other FICO^® registered trademark Score versions and other information when you apply for credit. There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO^® registered trademark Score or Wells Fargo credit rating does not necessarily guarantee a specific loan rate, approval of a loan, or an automatic upgrade on a credit card.←back to content Return to Footnote 1
2. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. Each approved claim has a benefit limit of $600. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Electronic failure or issues related to the software of the device are not covered. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp. Opens in a new window..

Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection.←back to content Return to Footnote 2
3. Sign up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.←back to content Return to Footnote 3

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Wells Fargo Platinum Card

Enjoy our lowest and longest intro APR

Additional card features and benefits

Props for Platinum

Other things you need to know

Enjoy our lowest and longest
intro APR

Additional card features
and benefits