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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).
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American Express Disclosure
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Updated: January 19, 2022
Intro APR
0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened and balance transfers, then 12.9% to 18.00% variable APR
Balance Transfer Fee
$0
Annual Fee
$0
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.
Updated: January 19, 2022
Julie Sherrier
Glen Luke Flanagan
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 $0 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 12.9% 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
- $0 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
660 720 850
Excellent/Good
Get my free score
- Auto rental collision damage waiver
- Turn your card on and off in the mobile app
Intro Purchase APR
0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened
Regular Purchase APR
12.9% to 18.00% variable APR
Intro BT APR
0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened
Regular BT APR
12.9% to 18.00% (variable)
Annual Fee
$0
Cash Advance Fee
Either $10 or 2% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee
$0
Balance Transfer Fee
$0
What we like about the Wings Visa Platinum Credit Card
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Intro APRs on purchases and balance transfers
The Wings Visa Platinum Credit Card offers an intro APR of 0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened; after this time, a 12.9% to 18.00% variable APR APR applies. There’s also an intro APR of 0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened, after which a 12.9% to 18.00% (variable) APR applies.
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Low interest rate after the intro periods end
This card’s regular purchase APR is 12.9% 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.
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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.
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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.
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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
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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.
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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.
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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
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%, 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%, 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.
Compare the Wings Visa Platinum Credit Card to similar cards
Credit Cards | Intro Purchase APR | Regular APR | Intro Balance Transfer APR | Regular Balance Transfer Rate | Balance Transfer Fee | Rewards Rate | Annual Fee | |
---|---|---|---|---|---|---|---|---|
Wings Visa Platinum Credit Card Review Coming Soon | 0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened | 12.9% to 18.00% variable APR | 0.00% Introductory rate is good for the first 12 months from the date that your new credit card account is opened | 12.9% to 18.00% (variable) | $0 | N/A | $0 | Review Coming Soon |
Wells Fargo Reflect® Card Review Coming Soon | 0% intro APR 21 months from account opening | 18.24%, 24.74%, 29.99% variable APR | 0% intro APR for 21 months from account opening on qualifying balance transfers | 18.24%, 24.74%, 29.99% variable APR | 5%; min: $5 | None | $0 | Review Coming Soon |
Navy Federal Platinum Credit Card Review Coming Soon | N/A | 10.99% to 18.00% | 0.99% introductory APR for 12 months* *Applies to balance transfers requested within 60 days of account opening | 10.99% to 18.00% | $0 | No rewards | $0 | Review Coming Soon |
Citi® Double Cash Card – 18 month BT offer Apply Now on Citibank's secure site | N/A | 19.24% - 29.24% (Variable) | 0% for 18 months on Balance Transfers | 19.24% - 29.24% (Variable) | 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. | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. | $0 | Apply Now on Citibank's secure site |
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.