In 2020, credit cards are no longer a taboo subject; companies are coming up with various offers and opportunities to earn points. Instead, users feel the need only for secure protection, low-interest rates, and enough time to pay a larger amount of money without worries. And, of course, you would like to do these things without paying an annual fee to carry that card.

If you are among these users, then the Wells Fargo Platinum Card is the perfect solution for you. If you use the card to make purchases, the rate is 0%, and you will not have to pay any annual administration fee.

In case of an emergency, you will feel safe with this credit card, regardless of whether we are talking about an overdraft or an outstanding payment that you have to make.


The Wells Fargo Credit Card has numerous benefits. Some of them include the following.

  • 0% intro APR for qualifying balance transfers: It comes with a unique offer on the market, with an 18 month period with APR 0% interest, almost the longest period with 0% interest that anyone can offer.
  • 0% intro APR for purchases: 0% intro APR interest for the first 18 months.
  • No annual fee: There is no annual account administration fee.
  • FICO® Score for free: If you are in debt trouble, you can easily check your credit score using this facility.
  • Cell phone protection: This feature is detailed in the benefits section.


If you choose to pay your phone bill using your Wells Fargo Platinum credit card, you will be insured up to $1200 annually in the event of damage or theft. Basically, annually, you can make two claims for thefts or damages (with a $25 deduction), and each of them can cover up to $600.

If we haven’t convinced you yet, let us tell you that the credit card comes with a few more benefits: you can have free access to the FICO Credit Score, insurance if you want to rent a car, insurance in case of a car accident, and if you travel, you will be safe with assistance services.

How to APPLY

It is very easy to open an account; you just need to enter the information required, including your name, address, date of birth. You may also upload documents that can confirm your identity.

You can apply for Wells Fargo Platinum Credit Card using this link.


You can only apply for this card if you are a US citizen with permanent residence. The introductory annual percentage rates, bonus rewards, and fees are only available if you opened a Wells Fargo credit card account within the last 15 months. 

This means that you also receive the introductory APR and bonus rewards. There is no impact if your account is currently closed and has a $0 balance. 

Fees and Interest

There is no annual fee. Furthermore, the APR on any purchase is 0% introductory APR for the first 1.5 years from the date you opened your account. Afterward, the APR raises from 16.49% to 24.49%, according to the creditworthiness. 

The APR regarding balance transfers is 0% for the first 18 months since you opened your account. You should also make a balance transfer request within 120 days from the date of your account opening in order to qualify for the introductory APR.


You can contact the bank calling the following number: 800-642-4720 or by post at Wells Fargo Card Services, PO Box 10347, Des Moines, IA 50306.


The Wells Fargo Platinum credit card is the best offer on the market if you have debts that you plan to pay in the next 18 months, and you do not want to pay interest. There can be nothing more beneficial than 0% APR. If you do not already have a low APR, then it will be very useful to save money.

Consider these incredible offers if you plan to pay your balance on time. Otherwise, you risk paying more than you saved in interest. However, if you can, it is smarter to save for an important purchase than to charge it to your credit card.

Note: There are risks involved when applying for and using credit cards. Consult the institution’s terms and conditions page for more information.