 TITLE: When to Use a Credit Card for Big Purchases CONTENT: ### Wells Fargo Platinum card\nWells Fargo Platinum card\n-------------------------\nApply\non Wells Fargo's website\n**Recommended FICO® Score\\***\nGood - Exceptional\nWells Fargo Platinum card\n-------------------------\nAPR\n16.49%-24.49% (Variable)\nIntro APR\n0% for 18 months from account opening on purchases and qualifying balance transfers\n##### Card Details\n*   0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5\n*   $0 Annual Fee\n*   Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card\n*   Easy access to your FICO® Credit Score with Wells Fargo Online®\n*   Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications\n*   Convenient tools to help create a budget and manage your spending with My Money Map\n*   Select \"Apply Now\" to learn more about the product features, terms and conditions\n*   Matched For You are statements made by Experian and may not reflect Wells Fargo’s underwriting standards\n[Rates and Fees](;offerid=949414.284&type=3&subid=0)\nThe Wells Fargo Platinum card has an introductory 0% APR offer that allows you to make purchases or transfer balances and pay no interest for up to 18 months before the standard APR of 16.49% to 24.49% variable starts applying. Balance transfers made within 120 days of card opening qualify for the intro bonus rate and are charged a 3% balance transfer fee ($5) minimum; transfers made after 120 days pay the ongoing rate and a 5% fee ($5 minimum). It could be a good option if you need time to pay off the balance. Plus, there's no annual fee, so you can put all your money toward paying off your balance. The downside is you won't earn any rewards, but the savings from avoiding fees and interest can add up. END