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Wells Fargo Platinum Visa® card

Take advantage of our lowest intro rate

on purchases and balance transfers
Take control of your finances
  • Take advantage of 15 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
  • View our fees and rates

What you’ll need to apply

  • An existing Wells Fargo relationship. (Otherwise, please apply at a Wells Fargo location)
  • Social Security number
  • Income information

Zero Liability Protection

All Wells Fargo Credit Cards automatically protect you from liability for unauthorized transactions when you report them promptly.

Overdraft Protection

You may link your credit card to your checking account to help avoid overdrafts.

Cellular Telephone Protection

Help protect your cellular telephone from damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Credit Card.

Rapid Alerts

For Visa® customers. Get fast text and email alerts for monitoring spending, tracking purchases, and receiving notifications of irregular or suspicious activity.

Wells Fargo Credit Defense Platinum service

Don’t let unexpected events impact your ability to make your monthly credit card payment.

Chip Technology

A Wells Fargo credit card with chip technology offers broader acceptance internationally and better protection against counterfeit fraud wherever this technology is the standard.

Verified by Visa®

Protect your Wells Fargo Visa card with a unique password for online shopping.

Visa benefits:

  • Auto rental collision damage waiver
  • Emergency card replacement 
  • Roadside dispatch
  • Travel accident insurance
  • Travel and emergency assistance services

Download the Visa Guide to Benefits (PDF)* to learn more.

Wells Fargo Platinum Card questions

What should I expect after I apply online?

Upon submitting the online application, you will receive the status of your application on the confirmation page and we will send you a confirmation email.

If we are able to provide you an approval, the confirmation page and email will also display your credit limit.

If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status.

How do I use my credit card for Overdraft Protection?

You must have a Wells Fargo checking account and a Wells Fargo Credit Card to use this optional service.

If you don't have a Wells Fargo Credit Card:

If you already have a Wells Fargo Credit Card, but you do not have a Wells Fargo checking account:

  • Apply for a checking account and select the Overdraft Protection box on the application. Subject to credit qualification.
  • If you already have a Wells Fargo checking account, call 1-800-642-4720 to enroll.

See all credit card FAQs and learn more about chip cards.

All Wells Fargo credit cards are subject to credit qualification. Wells Fargo reserves the right to change terms, rates, and fees at its discretion in accordance with the card agreement and applicable law. Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones.

Shop with confidence with the Wells Fargo Platinum Visa® card Apply Now
You can also call 1-800-932-6736 or apply in person at a Wells Fargo location near you.

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.

Cardholder agreement

The Cardholder Agreement details the terms and conditions of your credit card account and includes information such as the rate, fees, and other cost information associated with the account.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.

Credit Limit

Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. If you exceed this amount, an Over-the-Credit-Limit-Fee may be imposed.