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twist7d7
Posts: 356
Registered: ‎02-27-2014
0

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) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3k) Citi DC (2.6K) M&T Bank visa (2k) Discover iT (1050)
Always PIF Age: 21 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
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Re: Wells fargo vs BOA card

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

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Established Contributor
ibmrad7
Posts: 676
Registered: ‎12-11-2010
0

Re: Wells fargo vs BOA card

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


Starting Score: 583
Current Score: 692
Goal Score: 750+


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Contributor
twist7d7
Posts: 356
Registered: ‎02-27-2014
0

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) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3k) Citi DC (2.6K) M&T Bank visa (2k) Discover iT (1050)
Always PIF Age: 21 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Epic Contributor
Creditaddict
Posts: 21,641
Registered: ‎10-23-2007
0

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!

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:
Contributor
twist7d7
Posts: 356
Registered: ‎02-27-2014
0

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) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3k) Citi DC (2.6K) M&T Bank visa (2k) Discover iT (1050)
Always PIF Age: 21 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Established Contributor
ibmrad7
Posts: 676
Registered: ‎12-11-2010
0

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.


Starting Score: 583
Current Score: 692
Goal Score: 750+


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Contributor
twist7d7
Posts: 356
Registered: ‎02-27-2014
0

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) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3k) Citi DC (2.6K) M&T Bank visa (2k) Discover iT (1050)
Always PIF Age: 21 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Contributor
twist7d7
Posts: 356
Registered: ‎02-27-2014
0

Re: Wells fargo vs BOA card

Any thoughts on Cap1 quicksilver?

AMEX PRG (NPSL) CSP (7.2k) AMEX BCE (6k) Cap1 QS (3k) Citi DC (2.6K) M&T Bank visa (2k) Discover iT (1050)
Always PIF Age: 21 Scores ~710 across the board
Future Cards Sallie Mae, US Bank Cash+, Freedom
Epic Contributor
Creditaddict
Posts: 21,641
Registered: ‎10-23-2007
0

Re: Wells fargo vs BOA card


twist7d7 wrote:

Any thoughts on Cap1 quicksilver?


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

Fico Scores: EQ- 653 Cap1., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
65 Cards and Counting :smileytongue:

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