You may be wondering what you can get out of a Wells Fargo Platinum Card, if you don't already own one. The answer to that question depends on your circumstances. For example, you might want a credit card to help with debt consolidation, or to give you more purchasing power at a low interest rate. Or you might just want something that earns you rewards for being a good customer. Whichever reason you have, there are plenty of perks to consider.
You can earn reward points that you can use to buy travel tickets, hotels, rental cars and other things you need. You can also earn cash rebates, just by shopping at the different stores and merchants owned by the company. If you pay your monthly bill on time, you earn a cash rebate. The amount of money you earn from earning rebates varies with your individual credit level and the company's policies.
Members of the Wells Fargo family enjoy several benefits. For example, each account comes with free access to our retail shops, which include some of the biggest name companies in the industry. Also, each account comes with a one-time fee waived once you become a customer. That means you get to save a lot of money on interest payments that you would have paid otherwise. You also have the ability to earn a decent amount of cash back on purchases that you make, depending on how much you spend over a set period of time.
Members also have the option of earning a percentage of the cash back they earn for all their purchases. The percentage is based on how much you charge to your account. In addition to earning the reward points, you can also transfer funds between accounts. Some customers enjoy receiving a daily account summary. This gives them the opportunity to see which of their purchases have earned them the most reward points.
Fees are almost non-existent. The one time membership fee is waived for the first 3 months. After this time, an annual fee will apply. This is completely separate from the interest free period that you earn. No other fees apply for the first three months.
There are a couple of other benefits available if you choose to transfer your balance before the end of your introductory period. One such benefit includes a free trial period. This allows you to use your account to pay down any balances. With an account opening rate of 0 percent apr for 18 months, you will earn about two thousand dollars in savings once you pay off your balance.
Other key features of wells Fargo business loans are the amount of credit offered and the number of employee cards. The amount of credit offered varies by the customer. Depending on their individual situation, some may find it necessary to increase the amount of credit extended. This additional credit is usually applied to their monthly expenses and business spending. Either way, the number of employee cards is fixed at twenty-four.
The number of credit cards is fixed at twenty-four. You may, however, add another card at anytime to increase your limit. The one drawback to having so many credit cards is that you are susceptible to overdraft protection. This feature protects you if you spend more than you have put toward your account. If you overdraw, a percentage of your deposit will be automatically deducted from your available balance. Wells . . . . . . Fargo provides overdraft protection on all of their credit cards.
One of the biggest perks is the 15 months of no interest on purchases. During this time you are charged no interest whatsoever on your purchases. This benefit is automatically added to your account and will be available from the time of application until the time you close your account.
One of the biggest drawbacks of this bank is that it comes with an annual fee of $50. Although this fee is often waived in the interest free or 0 first year terms offered, it is required for all of your transactions. You will also be subject to the fee if you go over your limit. The only time this fee is not applied is when you are making a purchase with your employee cards. The rate of interest for these transactions is higher than the national average.
Most people do not have much problem with the penalties that are assessed when they overdraw their bank accounts. However, there is a very large penalty for making a regular opening deposit of any kind. If you were to do overdraw your account on your first, third or fourth day of opening your account you would be subjected to a twenty-one day penalty on all of your purchases. This penalty can increase to a fifty-seven-day penalty if you do not pay off your overdrafts in full within the designated time period. Overall, this bank is a great choice for those that need to have access to a decent checking and savings account without having to pay a high annual fee and carry a higher interest rate than most competitors.
Business Elite Signature Credit Card – Elite Pay Card from Wells Fargo – wells fargo platinum | wells fargo platinum
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