Rewards

No annual fee, but other charges lurk. The Wells Fargo Platinum card is about $19.76 per year cheaper than the average card, thanks to its lack of an annual fee. But that does not mean the Wells Fargo Platinum will necessarily be free to use. You will have to pay a 3% foreign-transaction fee for any purchase processed outside the U.S., as well as a fee of at least 3% for transferring a qualifying balance (intro for 120 days, 5% thereafter). The average credit card has a 1.44% foreign fee and a 3.09% transfer fee, according to WalletHub research. So Wells Fargo Platinum is towards the front of the pack, but there are still plenty of cheaper deals to be had.

0% intro financing is best for new purchases. The Wells Fargo Platinum card offers 0% introductory rates on both new purchases and qualifying balance transfers for the first 18 months your account is open. That’s more than five months longer than you’d get from the average 0% credit card, depending on whether you’re talking about purchases or transfers. So that’s good. But it’s far from the longest 0% term on the market. And the transfer side of things is somewhat less appealing, considering the card’s balance-transfer fee: 3% for 120 days, then 5%.

High regular rates. If you decide to make use of Wells Fargo Platinum’s 0% intro rates, make sure to abide by a payment plan that enables you to repay most, if not all, of what you owe by the time regular rates take effect. You need good or excellent credit to get Wells Fargo Platinum, after all. And its regular APR is almost guaranteed to be above average for credit cards that require good credit (19.24%) and excellent credit (12.99%), respectively.

Cell phone protection, but no rewards. Although the Wells Fargo Platinum card does not offer traditional purchase-based rewards, that does not mean it lacks perks entirely. Most notably, you won’t have to worry about insuring your smart phone if you pay your monthly cellular bill with Wells Fargo Platinum, as doing so automatically earns you up to $600 in coverage for damage or theft.

Must have good credit or better. As already mentioned, the Wells Fargo Platinum credit card requires good or excellent credit for approval. That just means you should make sure to check your credit score for free on WalletHub before applying, if you don’t know where you currently stand.


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The Rewards of Wells Fargo Credit Card

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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