How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Wings Visa Platinum Credit Card Review: Is It Worth It?

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
0.2
Wings Visa Platinum Credit Card
Low APR
13.40% to 18.00% variable APR
Fewer fees
No foreign transaction or annual fees
Other Visa benefits
Car rental insurance, Visa offers
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
Citi is an advertising partner.

Our take: The Wings Visa Platinum Credit Card is a mediocre credit card, with few benefits besides a $0 annual fee and low ongoing APR.

Pros and cons

  • Low regular APR
  • $0 annual fee
  • $0 foreign transaction fee
  • Low balance transfer fee
  • Must join Wings Credit Union
  • No intro APRs
  • No rewards program

Is the Wings Visa Platinum Credit Card a good card?

For someone looking for a credit-union-issued credit card that offers a low ongoing APR with a $0 annual fee, the Wings Visa Platinum Credit Card might be worth considering.

However, membership in Wings Credit Union is required to apply for the card, and it lacks attractive credit card features like introductory 0% APR rates on new purchases and/or balance transfers, cash back or travel rewards or a sign-up bonus.

Numerous other credit cards offer these types of benefits, making them more valuable to you than the Wings Visa Platinum Credit Card.

Quick facts

    • Easily turn card on or off, set travel notifications or report your card lost or stolen
    • Automated fraud alerts to identify threats faster
    • Access to a variety of offers and deals through Visa
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 660 720 850
    Good/Excellent
  • Covered by Visa’s zero liability policy
  • Auto rental collision damage waiver
  • Mobile app can be used to turn card on and off

Intro Purchase APR

N/A

Regular Purchase APR

13.40% to 18.00% variable APR

Intro BT APR

N/A

Regular BT APR

13.40% to 18.00% (variable)

Annual Fee

$0

Cash Advance Fee

Either $10 or 3% of the amount of each cash advance, whichever is greater

Foreign Transaction Fee

$0

Balance Transfer Fee

Either $10 or 3% of the amount of each balance transfer, whichever is greater

What we like about the Wings Visa Platinum Credit Card

  • Low ongoing APR

    Although the Wings Visa Platinum Credit Card doesn’t offer any intro APRs for purchases and balance transfers, it does have a low ongoing APR. It charges a 13.40% to 18.00% variable APR on new purchases and a 13.40% to 18.00% (variable) APR on balance transfers.

    We always recommend paying your credit card balance in full — but if you can’t get a balance transfer credit card with a 0% intro offer, this card can help you save on interest.

  • No annual fee

    The Wings Visa Platinum Credit Card helps you keep more money in your bank account, as it charges a $0 annual fee.

  • No foreign transaction fee

    When you take the Wings Visa Platinum Credit Card on your travels abroad, you won’t have to worry about spending more: It has no foreign transaction fees.

  • Visa cardholder perks

    Cardholders can access premium Visa benefits on purchases, auto rentals and online payments. One notable benefit is the auto rental collision damage waiver on rentals charged to your Wings Visa Platinum Credit Card. If you decline the rental company’s collision damage waiver, you’ll get car rental coverage for theft or damage of your rental vehicle.

    Find the best credit cards for car rentals

What to look out for with the Wings Visa Platinum Credit Card

  • No intro APRs

    The Wings Visa Platinum Credit Card no longer offers an intro APR on new purchases or balance transfers. As such, you’ll pay a 13.40% to 18.00% variable APR on both your purchases and balance transfers.

    While these rates are significantly below the average credit card rate of 24.71%, if you need to finance a large purchase, look for a credit card with a 0% intro offer to get the most savings.

  • No rewards program

    Although Wings Visa Platinum Credit Card ownership has a few perks, it’s not a rewards credit card and lacks ongoing value.

  • Must join the credit union

    The Wings Visa Platinum Credit Card is issued by Wings Credit Union, serving consumers in the aviation industry. There are multiple paths to membership if you or an immediate family member have aviation connections. However, with a small donation, anyone can become a member.

    Ways to become a Wings Credit Union member

    1. You or an immediate family member lives or works in:

        • An eligible Minnesota or Wisconsin county
        • The Seattle-Tacoma, Wash. metro area
        • The Detroit, Mich. metro area
        • The Orlando, Fla. metro area
        • The Atlanta, Ga. metro area

    2. You or an immediate family member are employees of:

        • Airlines
        • Government agencies working with the aviation industry
        • Airports directly with air freight, air courier or air transportation

    3. An immediate family member is a current Wings member.

    4. You make a nonrefundable donation of at least $5 to the Wings Financial Foundation.

Wings Wings Visa Platinum Credit Card vs. Citi Simplicity® Card

| Disclosures
Citi Simplicity® Card
Citi Simplicity® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
0% intro APR for 12 months on Purchases
19.24% - 29.99% (Variable)
$0
N/A
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock
660 720 850
Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you have a large amount of credit card debt the Citi Simplicity® Card might be a good choice. It offers a 0% intro APR for 21 months on Balance Transfers, then 19.24% - 29.99% (Variable) — this means you’ll have nearly two years to pay it off without adding a cent of interest to the balance. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. Then a balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

However, the Citi Simplicity® Card doesn’t offer a rewards program — and with a potentially high ongoing APR, it may not be one to keep in your wallet long-term.

Wings Visa Platinum Credit Card vs. Wells Fargo Reflect® Card

| Disclosures
Wells Fargo Reflect® Card*
Wells Fargo Reflect® Card
Learn More
on Wells Fargo's secure site
0% intro APR 21 months from account opening
18.24%, 24.74%, or 29.99% Variable APR
$0
None
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 18.24%, 24.74%, or 29.99% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min $5.
  • $0 Annual Fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
660 720 850
Good/Excellent
*The information related to the Wells Fargo Reflect® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


The Wells Fargo Reflect® Card is a good choice for financing large purchases or doing a balance transfer. You’ll pay 0% intro APR 21 months from account opening , and then an 18.24%, 24.74%, or 29.99% Variable APR applies.

Like the Citi Simplicity® Card , the Wells Fargo Reflect® Card offers a long 0% intro APR on balance transfers. While the Wells Fargo Reflect® Card doesn’t offer a rewards program, cardholders receive up to $600 in cell phone protection against damage or theft (subject to a $25 deductible).

Wings Visa Platinum Credit Card vs. Citi Double Cash® Card

| Disclosures
Citi Double Cash® Card
Citi Double Cash® Card
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees
N/A
19.24% - 29.24% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
600 660 720 850
Fair/Good/Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


The Citi Double Cash® Card is a standout card for both balance transfers and cash back rewards. You can focus on paying down debt as you get a 0% intro APR for 18 months on Balance Transfers, then 19.24% - 29.24% (Variable).

The rewards program offers ongoing value, long after your balance transfer is paid off. Plus, the Citi Double Cash® Card offers a solid rate of cash back — it’s unique, because you earn 1% cash back when you make a purchase and the other 1% when you pay it off.

Is the Wings Visa Platinum Credit Card right for you?

Since the Wings Visa Platinum Credit Card lacks the main features consumers generally look for — intro APRs on purchases or balance transfers and rewards programs — it’s best to consider a card with the features you’re looking for.

If you need a balance transfer and are simply looking for the longest intro period, the Citi Simplicity® Card or Wells Fargo Reflect® Card may be your best choices. The Wells Fargo Reflect® Card also has a long intro APR on new purchases, so it would be helpful if you need to finance a large purchase. But if you’re looking for a card that offers cash back, even with a slightly shorter intro APR on balance transfers, consider the Citi Double Cash® Card.

Looking for a 0% balance transfer APR?

 

The information related to the Wings Visa Platinum Credit Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.