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Wings Visa Platinum Credit Card

Wings Visa Platinum Credit Card

Intro APR
0% for 12 months on purchases and balance transfers, then 8.40% - 18% (variable)
Balance Transfer Fee
$0
Annual Fee
$0
Edited by
Julie Sherrier
Reviewed by
Glen Luke Flanagan
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been 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 a 0% intro APR on purchases and balance transfers, as well as no 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 8.40% - 18% (variable) 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.

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
  • Credit needed:
    670 850
    Excellent/Good
  • Auto rental collision damage waiver
  • Turn your card on and off in the mobile app

Intro Purchase APR

0% for 12 months on purchases

Regular Purchase APR

8.40% - 18% (variable)

Intro BT APR

0% for 12 months on balance transfers

Regular BT APR

8.40% - 18% (variable)

Annual Fee

$0

Cash Advance Fee

N/A

Foreign Transaction Fee

$0

Balance Transfer Fee

$0

Pros and cons

Pros

  • 0% intro APR periods
  • Low regular APR
  • $0 balance transfer fee
  • $0 annual fee
  • $0 foreign transaction fee

Cons

  • Relatively short intro periods
  • Must qualify to join a credit union
  • No rewards

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 0% for 12 months on purchases; after this time, a 8.40% - 18% (variable) APR applies. There’s also an intro APR of 0% for 12 months on balance transfers, after which a 8.40% - 18% (variable) APR applies.

  • Low interest rate after the intro periods end

    This card’s regular purchase APR is 8.40% - 18% (variable). 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
on Wells Fargo's secure site
0% intro APR up to 21 months from account opening
14.49%-26.49% Variable APR
$0
None
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% variable APR thereafter; 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
  • $0 Annual Fee
  • Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
  • Select “Apply Now” to learn more about the product features, terms and conditions
660 850

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 up to 21 months from account opening — after, a 14.49%-26.49% Variable APR applies.

There’s also a 0% intro APR up to 21 months from account opening on qualifying balance transfers; after, a 14.49%-26.49% Variable APR applies. Unlike the Wings Visa Platinum Credit Card, however, the Wells Fargo Reflect℠ Card has a balance transfer fee: 3% for 120 days from account opening, then up to 5%; min: $5.

The way the intro APR periods work on the Wells Fargo Reflect℠ Card is that cardholders are initially granted a 0% intro APR on purchases and balance transfers for 18 months. By making on-time minimum payments, there’s an opportunity to earn an extension of up to three additional months.

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.

Compare the Wings Visa Platinum Credit Card to similar cards

Comparison of four different credit cards
Wings Visa Platinum Credit Card Wells Fargo Reflect℠ Card Navy Federal Platinum Credit Card Citi<sup>®</sup> Double Cash Card – 18 month BT offer
Wings Visa Platinum Credit Card Wells Fargo Reflect℠ Card Navy Federal Platinum Credit Card Citi® Double Cash Card – 18 month BT offer
Read Review
Apply Now
on Wells Fargo's secure site
Read Review
Apply Now
on Citibank's secure site
Intro Purchase APR
0% for 12 months on purchases 0% intro APR up to 21 months from account opening N/A N/A
Regular APR
8.40% - 18% (variable) 14.49%-26.49% Variable APR 6.24% - 18% (variable) 15.49% - 25.49% (Variable)
Intro Balance Transfer APR
0% for 12 months on balance transfers 0% intro APR up to 21 months from account opening on qualifying balance transfers 0% intro APR for 12 months on balance transfers made within 60 days of account opening 0% for 18 months on Balance Transfers
Regular Balance Transfer APR
8.40% - 18% (variable) 14.49%-26.49% Variable APR 6.24% - 18% (variable) 15.49% - 25.49% (Variable)
Balance Transfer Fee
$0 3% for 120 days from account opening, then up to 5%; min: $5 $0 There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Rewards Rate
N/A None No rewards Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Annual Fee
$0 $0 $0 $0
Card Details
Wings Visa Platinum Credit Card Wells Fargo Reflect℠ Card Navy Federal Platinum Credit Card Citi® Double Cash Card

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 $0 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 2022.

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.