Wells Fargo Platinum Credit Card Review

Application Link

Key Features

  • Welcome offer: 15 months of 0% APR
  • No rewards on spending
  • No annual fee

Highlights

  • Cell phone protection: If you use this card to pay your monthly cell phone bill, you can get up to $600 in coverage if your phone is damaged or stolen (with the first $25 paid out of pocket).
  • Free FICO score: You get a monthly Experian FICO credit score. See also: Which free credit score is best?
  • 0% APR for 15 months: For the first 15 months after account opening, purchases and balance transfers have no interest. See also: Guide to 0% APR strategies

My Take

If you can make use of the 15-month intro 0% APR period, this card is pretty decent. If not, don’t be fooled by the “Platinum” name.

Application

  • Application difficulty: Approval requirements for this card are about average. It’s recommended that you have at least 1 year of credit history, and having a checking account with Wells Fargo helps.

Wells Fargo Credit Card Application Guide

  • Application status check link. Or call: (800) 967-9521
  • If you applied for one of their cards within the past 6 months, you will not be approved for a new personal card. For Hotles cards, the restriction is 15 months. For business cards, the restriction is 12 months.
  • Wells Fargo credit cards appear to have an unknown limit on the total number of cards you can hold. You may need an SSN, and you may need to be a U.S. citizen or green card holder to apply.
  • You can call the reconsideration line at 866-412-5956 to speed up credit card approval or request a review of a denied application.
  • Having a Checking account may help with getting approved for a credit card.
  • More about applying for Wells Fargo credit cards

Application Link