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Unlike credit cards that help you stretch every dollar that you spend by rewarding you with cash back or rewards points, certain credit cards are specifically designed to help you pay off your credit card debt and take control of your credit health. Wells Fargo Platinum Visa card is one such card that you can consider if you could use some extra time to pay off your existing credit card debt without crushing interest rates.

Here, GET.com provides answers to key questions about how Wells Fargo Platinum Visa card works and what it offers.

Apply for Wells Fargo Platinum Visa card at the official Wells Fargo website

Frequently Asked Questions About Wells Fargo Platinum Visa card
How does this card help me pay off debt?
Do I pay when I transfer balances to this card?
Do I earn rewards or cash back when I use this card?
Do I get any special benefits with this card?
Do I pay to use this credit card?
Is there a penalty if I pay my balance late?
Is this card good for for taking cash out of ATMs?
Is this a good card for international spending?
Do I get access to my credit score with this card?
Can I get this card even if I have bad credit?
Who is this card for?

Questions And Answers For Wells Fargo Platinum Visa card

Question: How does this card help me pay off debt?

Answer: While Wells Fargo Platinum Visa card does not make your existing credit card debt disappear, it can help you avoid getting deeper into debt because it has a 0% introductory APR for 18 months on purchases and qualifying balance transfers (fees apply; balance transfers made within 120 days qualify for the intro rate and fee). Thereafter, a 13.74% - 27.24% variable APR applies, depending on your creditworthiness. By transferring your balances to Wells Fargo Platinum Visa card, it will buy you extra time to pay off your balances from other credit cards without the hefty interest component. This is great as it helps you to stop chalking up even more debt due to interest charges. If you pay your balance off before the intro APR period ends, you will be able to pay it off interest-free. Something important to keep in mind is that the introductory APR offer is only applicable to you if you have not opened a Wells Fargo credit card account within the past 16 months before applying for Wells Fargo Platinum Visa card.

Question: Do I pay when I transfer balances to this card?

Answer: Although this card has a 0% introductory APR for 18 months on purchases and qualifying balance transfers (fees apply; balance transfers made within 120 days qualify for the intro rate and fee), there's a 13.74% - 27.24% variable APR thereafter and an introductory balance transfer fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days. After that, up to 5% for each balance transfer, with a minimum of $5.

Question: Do I earn rewards or cash back when I use this card?

Answer: No, you do not earn any cash back or rewards points when you use Wells Fargo Platinum Visa card to pay for your purchases since this card's main purpose is to help you get rid of debt and enjoy a low intro APR.

Question: Do I get any special benefits with this card?

Answer: Yes. Wells Fargo Platinum Visa card provides you with up to $600 of cell phone protection, subject to a $25 deductible per claim and a maximum of two claims per 12-month period. So long as you use your Wells Fargo Platinum Visa card to pay your monthly cell phone bill, this extra perk will be extended to you. Nonetheless, bear in mind this benefit does not cover cell phones that are lost, borrowed, rented or received as part of a prepaid plan.

Wells Fargo Platinum Visa card also comes with chip technology to better protect you against fraud when you use the card at a chip-enabled terminal in the country and overseas. Cardholders can easily monitor their spending, purchases and any sort of suspicious activity on their card account thanks to the Rapid Alerts feature that comprises fast text, email alerts and notifications.

Question: Do I pay to use this credit card?

Answer: No, Wells Fargo Platinum Visa card has a $0 annual fee.

Question: Is there a penalty if I pay my balance late?

Answer: Yes, a late payment fee of up to $37 applies if you do not pay your balance on time.

Question: Is this card good for for taking cash out of ATMs?

Answer: Not really. A 26.24% - 28.24% variable cash advance APR on cash advances will apply, based on your creditworthiness. Additionally, a cash advance fee of either $10 or 5% of the amount of each advance, whichever is greater, applies as well.

Question: Is this a good card for international spending?

Answer: No. Even though Wells Fargo Platinum Visa card is equipped with chip technology for better protection against fraud when used at a chip-enabled terminal anywhere in the world, a 3% foreign transaction fee imposed on transactions that are in currencies other than the U.S. dollar applies. Therefore, Wells Fargo Platinum Visa card is not a card you'd want to bring along when you are paying in foreign currencies. Besides, charging your purchases to this card won't earn you cash back or rewards points - you would be better off using a good cash back or rewards card that has zero foreign transaction fees.

Question: Do I get access to my credit score with this card?

Answer: Wells Fargo Platinum Visa card lets you access your FICO® Credit Score for free. This makes it easy for you to keep track of your credit.

Question: Can I get this card even if I have bad credit?

Answer: No. Wells Fargo Platinum Visa card is only available to people with good or excellent credit. If you do not have good or excellent credit, you should not apply for this card because being rejected can hurt your credit.

Question: Who is this card for?

Answer: Wells Fargo Platinum Visa card is an excellent credit card for anyone who is on the lookout for the lowest introductory APR on purchases as well as balance transfers. It helps that this card has a $0 annual fee, so you know you wouldn't have to pay to take advantage of the low APR. This card is especially beneficial if you have a balance that you'd like to pay off interest-free before the intro APR period ends.

More about Wells Fargo Platinum Visa card:
Read Our Wells Fargo Platinum Visa card Review
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This card offer is currently unavailable through GET.com! However, click here to check out our best rated Balance Transfer Credit Cards.