Wells Fargo Platinum Card
Basic Information
Program ID: wells-fargo-platinum-card
Issuer: Wells Fargo
Card Type: Credit
Network: Visa
Card Tier: Platinum
Data Complete: Yes
Created: 01/06/2026 12:35
Last Scraped: 01/15/2026 08:20
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 18 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 18 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No sign-up bonus is typically offered for the Wells Fargo Platinum Card, which primarily focuses on introductory APRs for purchases and balance transfers.
Rewards Program
Reward Type: None
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Wells Fargo Platinum Card does not offer a rewards program.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - This card does not earn rewards.
Transfer Partners: N/A - This card does not earn rewards.
Card Benefits
Protection Benefits
- Cell Phone Protection
Travel Benefits
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 739
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Wells Fargo Platinum card is primarily designed for building credit or managing existing debt through balance transfers. Eligibility typically requires applicants to be 18 years or older, a U.S. resident, and possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). While often accessible to those with fair to good credit, a strong credit history is always beneficial. This card typically does not offer a sign-up bonus. If a bonus were to be introduced in 2026, Wells Fargo's general rule of 'one bonus per 15 months per card' (or per product family) would apply, meaning eligibility for a bonus would be restricted if a bonus on the same product was received within the preceding 15 months. Wells Fargo also maintains internal application velocity rules, generally limiting new credit card approvals if an applicant has opened a certain number of Wells Fargo cards within a specific timeframe (e.g., 1 new card every 6 months, or 2 new cards within 24 months, though these are more strictly enforced for rewards cards).
Maximum Cards Per Issuer: 4
Minimum Spend Interval: N/A - No typical sign-up bonus
Shutdown Risk Triggers: Manufactured spending (even without rewards, unusual transaction patterns can flag accounts), rapid accumulation of credit limits across Wells Fargo products, excessive credit card applications within a short period (velocity rules), suspicious or fraudulent activity, defaulting on other Wells Fargo accounts, abuse of balance transfer offers.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent for balance transfers with a long 0% intro APR period, no annual fee, helps manage debt and build credit.
Top Negative Feedback:
No rewards program, high regular APR after intro period, limited benefits, foreign transaction fees.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Chase Slate Edge
- Citi Simplicity Card
- BankAmericard® credit card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0