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Wells fargo vs BOA card

Regular Contributor

Wells fargo vs BOA card

the rewards for these cards are a little on the confusing side witch one do you like better? Im also open to other cards but i would like them to be visa.

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
10 REPLIES
Moderator

Re: Wells fargo vs BOA card

Cant stand either bank, in this case BoA over WF.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Established Contributor

Re: Wells fargo vs BOA card

BOA... Never had any issues with them. Recently got 2K to 15K CL

Regular Contributor

Re: Wells fargo vs BOA card

thanks for the help. im currently in the garden but looking to make my next app worth it. 

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
Epic Contributor

Re: Wells fargo vs BOA card


twist7d7 wrote:

thanks for the help. im currently in the garden but looking to make my next app worth it. 


HANDS DOWN Bank of America... you can talk directly with a credit analyst, you can get frequent CLI, large CLI, and rewards are 10x better, and depending on card can be pretty blah but still better then wells after the promo period.

I would look at a Fidelity Amex which is through FIA/BofA and is 2% on ALL purchases, it's my partner and I's daily card!

Regular Contributor

Re: Wells fargo vs BOA card


Creditaddict wrote:

twist7d7 wrote:

thanks for the help. im currently in the garden but looking to make my next app worth it. 


HANDS DOWN Bank of America... you can talk directly with a credit analyst, you can get frequent CLI, large CLI, and rewards are 10x better, and depending on card can be pretty blah but still better then wells after the promo period.

I would look at a Fidelity Amex which is through FIA/BofA and is 2% on ALL purchases, it's my partner and I's daily card!

I would like to get the FIA but i was thinking of adding a visa because it is accpted more places then my current card. the FIA would put me at 3 amex cards and one discover. 
Who runs the credit check on the FIA BOA or AMEX??

 

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
Established Contributor

Re: Wells fargo vs BOA card

Amex is only the payment network used for the card. Its issued by FIA BOA only. amex has no role in issuing or denying you for this card.

 

and 

 

+100000 to everything that creditaddict mentioned in last post. I have been stuck with a crap WF card from past 6-7 years on same CL. Closing it this week.

Regular Contributor

Re: Wells fargo vs BOA card


ibmrad7 wrote:

Amex is only the payment network used for the card. Its issued by FIA BOA only. amex has no role in issuing or denying you for this card.

 

and 

 

+100000 to everything that creditaddict mentioned in last post. I have been stuck with a crap WF card from past 6-7 years on same CL. Closing it this week.


Thanks! im not looking for a Daily card i have the AMEX gold for the im more looking for a card for when there is a problem with amex or they dont take discover. more like a backup plan. i was looking at chase for there freedom card or amazon card (i shop there alot) but something always brings me back to BOA

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
Regular Contributor

Re: Wells fargo vs BOA card

Any thoughts on Cap1 quicksilver?

AMEX PRG (NPSL) Lowes (10k) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3.5k) Citi DC (2.6K) BofA (2.5K)M&T Bank visa (2k) Discover iT (1800) Slate (1k)
Age: 22 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Goal increase CLs by 20k in 2015
Epic Contributor

Re: Wells fargo vs BOA card


twist7d7 wrote:

Any thoughts on Cap1 quicksilver?


Great for daily use card, it's or fidelity backup