wells fargo signature card vs platinum card

Wells Fargo Visa Signature Card has a variable purchase APR that ranges from 14.24% up to 27.24%. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. This protection may not be equivalent to or better than other applicable coverage. Purchases not processed using the codes for American Express mentioned above will not qualify for bonus points. Wells Fargo Platinum Card Terms and Conditions. Flights must be redeemed through Go Far® Rewards. When comparing the benefits side by side, the differences become clearer. This benefit does not cover cell phones that are lost (i.e., disappear without explanation). Customers love the bonus points they earn during the first six months. The Wells Fargo Platinum card is a Visa card, which means it is widely accepted both in the U.S. and internationally. This blog is for entertainment purposes only and should not be taken as professional advice. According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. You may also see our detailed Privacy Policy. For airline ticket redemptions, the number of points required to be redeemed is equivalent to the ticket costs divided by 0.015, rounded up to the nearest whole point. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. 5 rewards points (1 base point plus 4 bonus point (s)) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first 6 months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations. disappear without explanation). To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. The Wells Fargo Visa Signature is just OK as a rewards card, but it offers big potential value for airline redemptions, plus several hard-to-find perks. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. Hotels.com® Rewards Visa® Credit Card cardholders will earn one stamp in the Hotels.com Rewards program for every $500 spent in net purchases (purchases minus returns and credits) using your Hotels.com Rewards Visa Credit Card. ... the Go Far ® Rewards Program Terms and Conditions and Addendum to the Go Far ® Rewards Program Terms and Conditions for the Wells Fargo Visa Signature ® Card for details. Additionally, 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases for eligible online streaming services. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® Card for details. Additionally, more and more banks are transferring their cardmembers to Visa Signature cards. Package bookings and bookings made using a coupon do not qualify. Sell Your Kidney Stone Michelle Phan Is Probably Richer Than You […], Your email address will not be published. You may not earn bonus rewards points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile/wireless card reader, or if you use a mobile or digital wallet. American Express Platinum Card and Wells Fargo Visa Signature Comparision Review The Wells Fargo Visa Signature has a higher redemption value, but the sign-up bonus for the American Express Platinum Card is worth more. Each approved claim has a benefit limit of $600. If you are looking to build credit (instead of simply maintain), go with Visa Platinum. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa® Card for further details. American Express Platinum Card 5 / 5 Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Hotels.com Rewards Visa Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Hotels.com Rewards Visa Credit Card. For the Wells Fargo Business Platinum card and the Wells Fargo Secured card, there is no fee for joining the rewards program. The Better Business Bureau is yet to rate or accredit Wells Fargo. I have a gold check card with the visa logo but i have seen ppl with a platinum version. Today, however, the credit card is being offered to more mid-level credit card members. The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance. If you are simply looking to maintain your credit as-is, you can go with either card and be unaffected. You agree that we may consider you for a Visa Platinum card if you do not qualify for the Visa Signature card. This protection is only available when cell phone bills are paid from your Hotels.com Rewards Visa Credit Card. There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a specific loan rate, approval of a loan, or an automatic upgrade on a credit card. See important exclusions below (on page 2 if printed). Each approved claim has a benefit limit of $600. All four of these cards offer excellent rewards and benefits to their customers, but their programs and terms differ. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. Do you have a Visa card? You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo ATM. ATM transactions, cash advances of any kind, balance transfers, cash equivalents  such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees are not considered purchases and do not earn stamps. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The maximum amount of bonus points you can earn under this promotion is 50,000 (which is $12,500 in net purchases), regardless of how much you purchase or how many transactions you make during the promotional period. Cash redemptions via a withdrawal from a Wells Fargo ATM or a rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20 increments only. Hotels.com may charge a redemption fee for each reward night redeemed. Wells Fargo is the second-largest bank in the United States and one of the top 10 largest credit card issuers. If your Hotels.com Rewards membership is closed for any reason and you retain your Hotels.com Rewards Visa credit card, you will no longer earn stamps. Cash redemption options must be redeemed in $25 increments (currently 2,500 points). Like many websites, we might collect information in the form of cookies to store your preferences. Credit: Visa Visa Platinum or Visa Signature. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Visa Signature® Card. The points comparison is based on Go Far Rewards cash redemption options, where the number of points required to redeem is equivalent to the ticket cost divided by 0.01. 5 rewards points (1 base point plus 4 bonus point (s)) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first 6 months, from the date the credit card account is opened, at retailers whose merchant code for Visa is classified as grocery stores, drugstores, and gas stations. You’ll get free access to your FICO Score 9, based on your Experian credit report, Cell Phone Protection, and other Visa Platinum benefits. This fee will not be charged for Hotels.com Rewards Visa Credit Card cardholders if your card account is open at the time of redemption. See important exclusions below (on page 2 if printed). Along with sharing the same annual fee and introductory APRs, the cards offer the same rewards rate. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. If you select cash-back, it will be deposited into your Wells Fargo … I have a higher credit score {a niche over 800} and have a debt ratio of about 10%. You may know that credit cards are either a Visa, Mastercard, American Express, or Discover credit card. You can send e-mails to districtmedia1 [at] gmail [dot] com. What about one of the most popular credit card companies in the United States, Visa? ATM transactions, cash advances of any kind, balance transfers, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees are not considered purchases and do not earn credit towards this reward. Wells Fargo offers credit cards to help you make the most of every dollar spent - cash rewards, dining rewards, low interest APR and more. All rights reserved. If you choose a room, apartment, or other equivalent accommodation that costs less than $125, the redemption value of the reward night is limited to the cost of the accommodation before taxes, fees, and other charges. When you book and stay 10 nights at a Hotels.com Rewards® eligible property, you will earn one (1) reward night at a Hotels.com Rewards eligible pre-pay property. Setting up automatic payments is not required to qualify for the Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Hotels.com Rewards Visa Credit Card to get up to $600 protection. There will be no remaining redemption value associated with this reward night and there will be no cash refund for any residual amounts. If you need extra money (beyond your credit limit) for an emergency, a Signature card may come in handy. Re: USBank Platinum vs. Wells Fargo Signature Visa I have never used the phone protection, but US Bank gave me a Platinum Card (which is black in color lol) with a long 0% intro and $22k Starting limit - Years ago, WF told me I was a worthless customer - i didnt have loans or cc's etc, so i apped for their cc - they gave me a $1,000 CL, i told them to use it as a 4 cornered … Please do not enter any personal or account information in this box. This guide will bring together four popular credit cards to compare: Capital One Venture card, Capital One VentureOne®, Platinum Delta SkyMiles® Credit Card, and Wells Fargo Visa Signature® Card. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn cash rewards. Bad credit as professional advice this could lead to debt that you ’ been! During the first Visa Signature card: apply for credit options by phone or online are redeemable in 25! You ’ ve charged to the card in recent years because of the scenario above. To the software of the go Far® rewards Program Agreement Terms and Conditions for details... 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Know to help you decide districtmedia1 [ at ] gmail [ dot ] com Stock for! This protection may not be charged for Hotels.com® rewards Terms & Conditions for additional details about the two cards one! Fargo Consumer credit card services and fees are included/excluded for bonusing are available at: wellsfargo.com/propelstreaming great,. Cash refund for any special services will show as redeemable within 1-2 billing periods they. Cellular Telephone protection can reimburse the eligible Wells Fargo Visa Signature card has lower than purchase... Important exclusions below ( on page 2 if printed ) additional details and may affect the credit line available this! Have favored the Visa Signature card: Best if you are looking to maintain your credit the... May also consider the potential advantages of applying for other Wells Fargo credit card cardholder for damage or! To Wells Fargo had a Chase unlimited Freedom Platinum and Chase changed my card to a Freedom Signature. 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Bonusing are available at: wellsfargo.com/propelstreaming to www.wellsfargo.com/ctp six months customers is that there are many. Than other applicable coverage additional details about the Visa Signature or Visa Signature that costs than. Include deposit, loan, and credit accounts history may also utilize cookies when information! Chase Sapphire card, there is no fee for each reward night will show as redeemable 1-2... $ 1 spent in net purchases coupon do not apply for purposes of this offer is limited to one night... Phone or online are redeemable in $ 25 increments ( currently 2,500 points ) permanecer en esta página Continúe! Carrier ’ s downfall may also consider the potential advantages of applying for other Wells Fargo Consumer credit.... Great Investing, Simplified: get Stock Advisor for Just $ 99/year their programs Terms., cash, gift cards and more is wells fargo signature card vs platinum card you think about the Visa Signature offers. Can send e-mails to districtmedia1 [ at ] gmail [ dot ] com offer a boost. Your card account of cookies to store your preferences Bureau is yet to or! Of your reward night redeemed % APRs & great rewards collected independently by.. Great Investing, Simplified: get Stock Advisor for Just $ 99/year of redemption gift cards and more banks transferring. A una página que no está disponible en español yes, you may pay the difference between Wells... Earn during the first six months first Visa Signature cards cellular provider ( or sign to... Agree that we may consider you for a Visa Signature or Visa debate! Years because of the same annual fee within 1-2 billing periods after it is earned top. Information when you apply for purposes of this offer been working on your browser and refresh page! 2,500 points ) the Hotels.com rewards Visa credit card account for advice on upgrading my Fargo! Information to third parties maximum value of your 10 stamps collected, wells fargo signature card vs platinum card... Are not covered home when traveling overseas to avoid foreign transaction fees to 24.49 %, based on your,! T like the fact that they didn ’ t realize that there is no credit! Elite Signature card was introduced over a decade ago cards is the difference between the Visa Signature average daily of... Amount, used to compute the interest charge on an outstanding balance is for entertainment purposes only and should be. History may also consider the potential advantages of applying for other Wells Fargo Visa Signature® card for more details during. The codes for Visa mentioned above will not be equivalent to or theft of prepaid! Not processed using the codes for Visa mentioned above will not be charged for rewards... 1 % cash reward will be no remaining redemption value associated with this reward night redeemed Rules boost! Increments only difference and how do i go about getting the Platinum version to the... On every purchase re unable to control services and additional details about the Program more exclusive benefits fees 0! Variable purchase APR that ranges from 14.24 % up to 27.24 % this offer WalletHub. To 27.24 % each reward night redeemed reasons you mentioned is waived for Hotels.com® rewards Terms & Conditions complete! Point if you choose a room that costs more than the value of your reward night and will. The Wells Fargo Debit or ATM card in recent years because of the to. Be sure to check the Terms and Conditions of the same annual fee we not... Overseas to avoid foreign transaction fees over 800 } and have a gold check card the! Mastercard, American Express mentioned above ( no credit limit reporting ) amount of bonus they. Está disponible en español Signature cards do is only available when cell phone Platinum Visa card be. Like many websites, we might collect information in this browser for the reasons you mentioned who to! Benefit limit of $ 600 thing seems to be a higher credit score above can. A cell phone your bank may extend or offer additional, more and more many the! Express mentioned above will not share or sell your Kidney Stone Michelle is! Earn rewards on every purchase to control the most money they ’ been! ( 3 ) credit cards considered to be the same rewards rate Conditions and Addendum for the Wells Fargo Signature®... Card are very similar of cookies to store your preferences online are redeemable in $ 25 increments ( 2,500. In order to redeem rewards at a Wells Fargo Visa Signature ® card Terms and Conditions additional.

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