Wells Fargo Platinum Visa® Card Reviews

Approval Odds

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1.8 out of 5 stars
99 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2.5 out of 5 stars

2 5

Card Details

  • Balance Transfer Intro APR 0% for 18 Months
  • Balance Transfer Regular APR 13.74% - 27.24%* Variable
  • Annual Fee $0
  • Purchase Intro APR 0% for 18 Months
  • Purchase Regular APR 13.74% - 27.24%* Variable

Most Helpful Positive Review

Jul 17, 2018
Visa Platinum
DeniseLTH Cardholder

They reward progam is not good, for the rest I am happy: I had my credit limit increased 2 times from the bank-I started with 5K then 10K and now 15K- and the customer service is easy to reach and helpful.

Once I called to ask if they could lower my interests and they offered me a six months of interest free transactons.

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Most Helpful Negative Review

Mar 18, 2018
Anonymous Cardholder

What is wrong with Wells Fargo.  They truly don't care about their customers.  I have had this card for 13 years with Excellent credit the bulk of the time.  My credit limit has been increased once or twice and interest has remained the same.  Extremely high!  When I have nquired about a reduction in the interest rate I have been told that they have not gotten around to reviewing my account.  I keep the card because it is attached to my banking account.  I regret using this bank.  The credit card is of no real use to me.  Hope this helps others. 

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These reviews were written by current and former cardholders in the last year.

Jan 16, 2019
Cardcollector Cardholder

Got this card in 2008. Started with $600 as a full time shift supervisor in retail. My girlfriend was a minimum wage part time cashier and started at $1000. She got automatic increases that put her over $2000 by the year and up to $5000 in 3 years. I never received an automatic increase. I have to call and only get $500 at a time. I’m currently at $2500. I have a chase Sapphire at $15,000 and a Bank of America card at $19,000. If Wells has not been my first card, I would have CANCELED IT!!!

credit score >730 by all 3 bureaus for the last 3 years. 

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Jan 14, 2019
Ripping off
Denys777t Cardholder

This card is worst think you want to apply. I opened a secured credit card before (never had any history). Right now I had 2 car loans (one paid off in full), 4 other credit cards, never had missed payment. My FICO is 748 and that keep holding my credit limit the same. Some time ago I applied for increase and it was denied. Had couple bad experiences with them. Because of my issues with them had to close saving, business debit and regular debit cards. . Do not open that card, read reviews. Please, keep yourself safe. 

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Jan 13, 2019

The interest rate on this card in my state is 22% APR.  When did banks decide to become like the pay day loan companies?  It's ridiculous.

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Jan 11, 2019
so far so good
elpinturo Cardholder

app. went good approved for 6k ask for 9k did not approve..got it for the bal transfer @ 0 % 18 months..have called cust service several times they were fast to answer; no hold time so far so good 

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Jan 07, 2019
This should be criminal.
Breezy6379 Cardholder

PSA: Wells Fargo requires you to pay your entire balance transfer fee in addition to 1% of your balance as the first payment after a balance transfer to a new card.  

According to Wells Fargo, in order to use their credit card, we simply have to agree to any and all terms and conditions without actually getting to see them and make an informed decision! Stacy was also nice enough to inform me that starting in 2019 this was how ALL credit card companies would be processing balance transfers! (not sure if thats true)  So, if you’re looking to make a balance transfer, call and ask how they process it before you are hit with an unexpected, monstrous first payment!

Luckily, my family was able to absorb this additional payment and it did not have a horrible effect on our financial situation.  I am hoping to make others aware of this so, that they can protect their financial well being, because this could have really ruined someones Christmas!

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Jan 05, 2019
The worst
joy96002 Cardholder

Just read the reviews, and multiply by 10. Believe them.

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Jan 03, 2019
Wells Fargo has changed for the better!
Jgriffith11 Cardholder

Applied for this card, After already getting a personal loan from Wells Fargo a Month ago. This bank used to be very strict only relationship based now they are more lienent. My CK score was 640, and My Experian was 680 that's what they pulled. $3000 CC Approved 0% Balance Transfers. Wells Fargo is amazing coming from a year ago with all of the scandals, They have changed and are working to assist customers and have changed their products for the better. Wells Fargo is Amazing! I have a checking, savings and loans with them now and the customer service has been very helpful, and they are able to assist in all your needs. I recommend this card to anyone wanting a balance transfer. Once in the door with Wells Fargo they are kind to you. 

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Dec 30, 2018
Run away as fast as you can!
Bill155 Cardholder

Credit Karma should NEVER have even listed Wells Fargo! With 70% NEGATIVE (ONE out of FIVE stars) reviews, which is a HUGE DANGER SIGN, and a checkered past, this company is certainly poisonous. My experience went on for months during which they refused to acknowledge I was paid up in full, and continually kept showing delinguencies of my credit report, despite my providing proof from THEM that I had indeed paid my balance in full. I strongly recommend that anyone even considering this card read their entire negative history of financial irregularities and and you'll run like the wind AWAY from each and every Wells Fargo financial institution! Don't believe their national TV adds...they HAVE NOT changed!

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Dec 27, 2018
Busers Cardholder

I was offered a super check with 0% for 18 mo. I used the check and Wells did not honor it. After opening a dispute because of the interest charged they have not got back to me after they promised to. I constantly have issues with them and their customer service is not existant. Save yourself hassle and stay away from this worthless bank.

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Wells Fargo Platinum Visa® Card