The Wells Fargo Platinum Visa is convenient for anybody looking for a card with benefits that won't break the bank, yet still offer decent rates and rewards for using credit wisely. While the introductory interest rates might be enticing for some applicants, it is not exactly a good card to use over time. Like all other no-interest introductory cards, this one does not come with an extremely large suite of perks. Yet if you are a person who needs a card with rewards and benefits, the Wells Fargo Platinum Visa may just be the right choice for you.
Rewards and perks are available in many different areas of business and travel. Whether its making reservations, managing inventory, providing customer service, or training new employees, having the right tools and resources available can help make the job easier. For example, the Wells Fargo Platinum Visa comes with travel accident insurance. This provides protection in the event you are injured or suffer damage in transit as you book your trip.
If you have a large balance on one of your credit cards, or several of them, the interest rates can quickly add up and cause you to feel like you are drowning in debt. No-interest credit cards can keep those high monthly payments in check while allowing you to maintain low balances. This will allow you to gradually pay down your debt and improve your credit score at the same time. And since your introductory interest rate will still be low after making your balance transfers, you will enjoy the benefit of low monthly payments even after making your payments on the Wells Fargo Platinum Visa.
This line of credit offers no annual fee, which makes it perfect for both new and old customers. Plus, your introductory APR is only six months, so you will not have to worry about being overcharged. All your purchases go on interest charges until the balance you have charged to the card is paid off. In order to maximize your rewards, however, you must always pay your balance before the end of your introductory period. Even then, you are still able to earn rewards on all purchases.
You are assigned an introductory APR based on your credit history and the amount of credit used. However, you do not have to stick to this APR. Should you wish to transfer your balance between credit cards and pay more in interest, you can do so when the introductory APR ends and you are charged regular interest rates. The card may also be closed at any time, although it cannot be transferred to another account.
Fees and interest charges are not the only concerns associated with credit cards. You also need to consider other costs, such as shipping and membership fees. Fees vary between companies. Some allow a flat shipping fee while others require a percentage of your total purchase APR. Naturally, those who pay full price for their purchases will be able to avoid these fees, whereas those who choose to make purchases at a discount or online will likely pay full price for their merchandise. However, since Wells Fargo has made their APR offers competitive, you do not have to spend more than you can afford to in order to reduce your overall debt.
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