Wells Fargo Platinum Card

  • Take advantage of 18 months of our lowest intro APR on purchases and balance transfers.
  • Enjoy $0 Annual Fee
  • Zero Liability protection for promptly reported unauthorized transactions
  • Plus, convenient tools to help create a budget and manage your spending with My Money Map
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Good Credit Personal $0* N/A* N/A* 16.90%* - 26.74%* None


Quick Summary:
This Store offer is issued by Wells Fargo. This card is intended for consumers, or "personal use" with a good to perfect credit history. Rates may vary among applicants, however the lowest standard APR is 16.90%* and may be as high as 26.74%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 643 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Wells Fargo product.

Other Basics:
The grace period listed for the Wells Fargo Platinum Card is at least 25 days*. So interest charges will not be applied for new purchases during this time.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
There were 10 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 80% of those applicants were approved.

This card has a poor approval or acceptance rate. This could be due to the fact that applicants changed their decision after wanting a traditional credit card such as a Visa, Mastercard, Discover Card or American Express card. Furthermore, if your FICO score is close to or higher than 643, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 73% of 11 users recommend this card.

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