Wells Fargo Platinum Visa Card Review With Pro And Cons – 17 Points

1. Wells Fargo Platinum is one of the best card to pay down credit card debt. Its lenthy 0% intro apr on purchase and balance transfer helps you to finance large purchase or to pay off high interest debt. It also offers lower intro balance transfer fee.

2. Reward Rate:

N/A

3. Sign Up Bonus:

N/A

4. Annual Fee:

$0

5. Intro Apr:

0% intro apr for purchase and qualifying balance transfer for 18 months.

6. Regular Apr:

13.74% – 27.24% Variable APR

7. Credit Needed:

690- 850 Good to Excellent

8. Balance Transfer Fee:

3% for the first 120 days, then 5%

9. Pros:

No annual fee
0% intro apr on purchase and balance transfer
Cell phone insurance
Lengthy 0% APR period

10. Cons:

No rewards
Balance transfer fee
High regular apr

11. Other Details:

Zero Liability protection for unauthorized transactions.
Free access to FICO® Credit Score
Up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card.
Convenient tools to help create a budget and manage your spending with My Money Map.

12. Foreign Transaction Fee:

3%

13. Cash Advance Apr:

25.99% – 27.99% Variable

14. Cash Advance Fee:

5%

15. Customer Experience:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 4.4/5
Apple Store mobile app rating: 4.8/5

16. Get wells fargo platinum visa card:

If you want to finance big purchase or pay down high interest balance.
If you can benefit from cell phone protection.
If you are interested in money management tool.
If you are more interested in 0% intro apr than sign up bonus and rewards.

17. This Card is Not For You:

If you are interested in rewards and sign up bonus.
If you are interested in credit card perks.
If you carry a balance beyond promotional period.

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