Platinum card

Help pay down balances
instead of interest

Get our Longest Intro APR

0% Intro APR for 18 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 16.49% to 24.49%.

Balance transfers made within 120 days qualify for the intro rate and fee.*

Platinum card

Get our Longest Intro APR

0% Intro APR for 18 months from account opening on purchases and qualifying balance transfers. After that your variable APR will be 16.49% to 24.49%.

Balance transfers made within 120 days qualify for the intro rate and fee.*

Props for Platinum

2020 WalletHub Best Credit Card Logo

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

Apply and take control of your
finances with $0 annual fee*. Wells Fargo Platinum card full terms and conditions. Opens in a new window.

Card features

Longest Intro APR for 18 months
from account opening on purchases

Longest Intro APR for 18 months from
account opening on qualifying balance transfers

Additional Card Features

  • 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

  • Cell Phone Protection

    When you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card, you can receive up to $600 of protection (subject to $25 deductible) against covered damage or theft.2

  • My Money Map

    Make smarter decisions about your financial future with easy-to-use tools that help you create a budget and manage your spending.

  • Alerts

    Monitor your spending, purchases and any suspicious activity with fast text and email alerts and notifications.3

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

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.

Credit card subject to credit qualification.

Disclosures

  1. 1. You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® registered trademark Score available, and enrolled in Wells Fargo Online® registered trademark banking. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. Other consumer accounts may also be eligible. Contact Wells Fargo for details.

    Important: 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 better loan rate, approval of a loan, or an automatic upgrade on a credit card.

    FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.←back to content Return to Footnote 1

  2. 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. 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

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