Wells Fargo Platinum Visa® card
If you choose to link your Account to your Wells Fargo Checking Account for overdraft protection, please note the following. If you have a joint checking account, you will be responsible for all advances, including interest and charges from your credit card to cover overdrafts regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. An Overdraft Protection Advance fee will be charged to your Account each day an Overdraft Protection advance is made, and interest will accrue from the date each advance is made. See Consumer Credit Card Customer Agreement and Disclosure Statement for details. Please note that you may also be able to link your Wells Fargo Savings Account to your Wells Fargo Checking Account for overdraft protection. No interest is charged on overdraft protection transfers from your savings account. However, fees do apply. See your Wells Fargo Consumer Account Fee and Information Schedule for details.
Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer credit card cardholder for damage to or theft of a cellular wireless telephone. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first three additional lines as listed on your provider’s monthly statement. Cellular Telephone Protection is subject to a $25.00 deductible per claim and a maximum of 2 claims per 12 month period. The maximum benefit limit is $600.00 per occurrence and $1,200.00 per 12 month period. You will receive no more than the value of the original phone or a replacement phone with similar features and functionality, less a $25.00 deductible. This benefit does not cover cellular telephones that are lost. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, or from the card that is linked to a Line of Credit. Coverage does not apply for electronic failure or cell phones that are received as part of a pre-paid plan. Cellular telephone protection coverage begins the first day of the calendar month following your first cellular telephone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cellular telephone bill to your Wells Fargo Consumer Credit Card. This protection may not be equivalent to or better than other applicable coverage you may have presently or in the future, such as your homeowner’s or automobile insurance policies, or through a plan provided through the seller of the telephone. For complete coverage benefits and exclusions regarding this protection call 1-800-642-4720. 24 hours a day, seven days a week, or read all the coverage benefits and exclusions within the PDF document provided (PDF) .
Service provider fees and data rates may apply.
Annual Percentage Rate (APR)
The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.
Most of Wells Fargo’s credit cards use the “prime rate” as a base rate (e.g. “prime + 12%”). The prime rate used is taken from the Money Rates column of The Wall Street Journal. The prime rate is merely a base rate used to make loans to certain borrowers. It is not necessarily the lowest or best rate at which loans are made. (The precise manner in which the rate is determined is in our Customer Agreement and Disclosure Statement.)
You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.
A fee charged once a year for maintaining an account and for any special services. Be sure to check the terms and conditions of the account to see if an annual fee applies.
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.
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.
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.
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