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

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.
3.9
Wings Visa Platinum Credit Card
Intro APR
N/A and balance transfers, then 13.40% to 18.00% variable APR
Balance Transfer Fee
Either $10 or 3% of the amount of each balance transfer, whichever is greater
Annual Fee
$0
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.

Who is the Wings Visa Platinum Credit Card best for?

If you’re looking for a credit card with an interest-free period on purchases and balance transfers, as well as a Either $10 or 3% of the amount of each balance transfer, whichever is greater balance transfer fee, and if you qualify for membership in Wings Financial Credit Union, the Wings Visa Platinum Credit Card is worth considering. Plus, the regular APR of 13.40% to 18.00% variable APR is relatively low.

However, if you need a longer 0% intro APR or don’t meet eligibility requirements to join Wings Financial Credit Union, there are other credit cards you might want to consider. We’ll help you evaluate your options.

Pros and cons

  • Intro APR periods
  • Low regular APR
  • Either $10 or 3% of the amount of each balance transfer, whichever is greater balance transfer fee
  • $0 annual fee
  • $0 foreign transaction fee
  • Relatively short intro periods
  • Must qualify to join a credit union
  • No rewards

Wings Visa Platinum Credit Card overview

    • 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
  • Auto rental collision damage waiver
  • Turn your card on and off in the mobile app

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

  • Intro APRs on purchases and balance transfers

    The Wings Visa Platinum Credit Card offers an intro APR of N/A; after this time, a 13.40% to 18.00% variable APR APR applies. There’s also an intro APR of N/A, after which a 13.40% to 18.00% (variable) APR applies.

  • Low interest rate after the intro periods end

    This card’s regular purchase APR is 13.40% to 18.00% variable APR. In a world where many credit cards have APRs near or exceeding 20%, that’s quite reasonable, especially if you qualify for the low-end of the APR range.

  • No balance transfer fee

    Many credit cards charge a balance transfer fee in the range of 3% to 5% of the amount transferred. This can add up — for example, transferring $5,000 to a card with a 3% balance transfer fee would cost you $150. With a 5% fee, it would cost $250. Cards with no balance transfer fee are rare, which is why the Wings Visa Platinum Credit Card stands out with a balance transfer fee of $0.

  • No annual fee

    When you’re trying to get out of debt with a 0% intro APR, the last thing you want to deal with is a credit card that charges an annual fee. Luckily, the Wings Visa Platinum Credit Card charges $0 a year.

  • No foreign transaction fee

    Take the Wings Visa Platinum Credit Card abroad with you and have peace of mind, thanks to this card’s $0 foreign transaction fee.

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

  • Other cards may have longer intro APRs

    While a year of no interest on purchases and balance transfers is a solid introductory APR deal, it’s possible to find credit cards with 0% intro APRs of 18 months — or even 21 months.

  • You must join a credit union for this card

    The Wings Financial Credit Union serves consumers with ties to the aviation industry. The credit union details its membership requirements as follows:

    “If you or an immediate family member are employees of airlines, government agencies working with the aviation industry or work at an airport directly with air freight, air courier or air transportation — you qualify.”

    In addition, if an immediate family member is already a member of the credit union or is a Wings Financial Foundation member, you can join the credit union through them.

    Finally, you can also qualify if you live or work in any of the following areas:

    • An eligible county in Minnesota or Wisconsin
    • The Seattle-Tacoma metro area of Washington state
    • The Orlando, Florida, metro area
    • The Detroit metro area
    • The Atlanta metro area

    If you don’t meet any of the criteria above, Wings Financial Credit Union membership  — and thus the opportunity to get the Wings Visa Platinum Credit Card — will be out of your reach.

  • There's no cash back or points program

    Some credit cards have 0% intro APR deals and a cash back or points program that gives consumers a reason to use the card after paying down the initial debt. However, the Wings Visa Platinum Credit Card doesn’t offer any rewards.

Alternate balance transfer card

Compare it to the Wells Fargo Reflect® Card

| Disclosures
Wells Fargo Reflect® Card
Wells Fargo Reflect® Card
apply-now-icon Apply Now
on Wells Fargo's secure site
Rates & Fees
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

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 offers intro APR periods almost twice as long as what the Wings Visa Platinum Credit Card has — plus, you don’t have to meet credit union eligibility requirements.

On purchases, a Wells Fargo Reflect® Card cardholder can get a 0% intro APR 21 months from account opening — after, a 18.24%, 24.74%, or 29.99% Variable APR applies.

There’s also a 0% intro APR for 21 months from account opening on qualifying balance transfers; after, a 18.24%, 24.74%, or 29.99% Variable APR applies. Unlike the Wings Visa Platinum Credit Card, however, the Wells Fargo Reflect® Card has a balance transfer fee: 5%, min $5.

You’ll pay a $0 annual fee to carry the card, but beware the 3% foreign transaction fee.

Something to be aware of before applying for the Wells Fargo Reflect® Card is that you might not be eligible for the intro APRs if you’ve opened any other Wells Fargo credit card in the past 15 months. And if you’ve opened one in the past six months, you might be declined for the Wells Fargo Reflect® Card entirely.

The information related to the Navy Federal 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.

Is the Wings Visa Platinum Credit Card right for you?

The Wings Visa Platinum Credit Card comes with solid 0% intro APRs on purchases and balance transfers, as well as an exceptional Either $10 or 3% of the amount of each balance transfer, whichever is greater balance transfer fee. If you need to transfer debt from a high-interest credit card, and you qualify for membership in Wings Financial Credit Union, this card should be high on your list.

However, if you need a longer time to pay off your balance, or if you can’t meet the credit union’s eligibility requirements, consider the Wells Fargo Reflect® Card instead. It charges a balance transfer fee, but it offers an outstanding 0% intro APR window on purchases and balance transfers for almost two years.

If you’re just focused on finding the best balance transfer card, check out our list of the Best Balance Transfer Cards of 2024.

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.