topic Re: Wells Fargo Credit Cards - Are they worth it in Credit Cards

Wells Fargo Credit Cards - Are they worth it

nicolekarmon13 — Fri, 21 Oct 2022 02:55:39 GMT

I am thinking about getting a Wells Fargo credit card are they worth it?

Re: Wells Fargo Credit Cards - Are they worth it

raisemysc0re — Fri, 21 Oct 2022 03:28:58 GMT

I think they are good cards.

I have their Microcenter card. 5% off every purchase at POS. Also have the Autograph for 3% cell phone bill and cell protection. Got great SL and SP for CLIs. I've always had good customer service experience with them too.

Re: Wells Fargo Credit Cards - Are they worth it

AlanGJP — Fri, 21 Oct 2022 05:00:50 GMT

@raisemysc0re wrote:
I think they are good cards.
I have their Microcenter card. 5% off every purchase at POS. Also have the Autograph for 3% cell phone bill and cell protection. Got great SL and SP for CLIs. I've always had good customer service experience with them too.

I second the Autograph card. It's a pretty great card overall.

3X - Restaurants, Transit, Travel, Streaming Services, Gas and Phone. Good card to add to your portfolio imo.

Re: Wells Fargo Credit Cards - Are they worth it

Anonymous — Fri, 21 Oct 2022 05:03:57 GMT

For renters Bilt is a no brainer, can even transfer points to major airlines and hotels, plus primary CDW and no FTF. Bilt App is fab too, luv it.

Re: Wells Fargo Credit Cards - Are they worth it

crystal626 — Fri, 21 Oct 2022 05:30:26 GMT

They're fine. The Active Cash is one of the better 2% cards (its main downside is $25 minimum and increments for redemption but they have a purchase eraser thing for smaller amounts too) and the Autograph covers a lot of categories with 3%.

Re: Wells Fargo Credit Cards - Are they worth it

Anonymous — Fri, 21 Oct 2022 06:28:06 GMT

@crystal626 wrote:
They're fine. The Active Cash is one of the better 2% cards (its main downside is $25 minimum and increments for redemption but they have a purchase eraser thing for smaller amounts too) and the Autograph covers a lot of categories with 3%.

Purchase eraser? Like Venture, Boa TR and Disco Miles? 😍

Re: Wells Fargo Credit Cards - Are they worth it

Anonymous — Fri, 21 Oct 2022 10:52:23 GMT

I have the propel but it's like the autograph except 3x on cell phone and it's an Amex. It's also no ftf same as autograph.

Re: Wells Fargo Credit Cards - Are they worth it

BronzeTrader — Fri, 21 Oct 2022 11:36:26 GMT

@nicolekarmon13 wrote:
I am thinking about getting a Wells Fargo credit card are they worth it?

It really depends on what other cards you already have.

The WF Go Far Award system is the very last in my card portfolio. So I do not use my Propel card any longer. But it is still a good card to a lot of people.

The BILT card is great. But it seems it is managed in a different way. Just be aware of that. It is a cheaper and maybe better card than the Chase CSP. It is probably the very best no-AF card out there even if you are not a renter.

Since WF is still a large bank, I'd open one or two cards just to set up the relationship.

Re: Wells Fargo Credit Cards - Are they worth it

lgtwriter — Fri, 21 Oct 2022 16:05:59 GMT

I am happy with my Active Cash card. I have started using it as my daily driver since I stopped using my FNBO Evergreen card.

Re: Wells Fargo Credit Cards - Are they worth it

WasteMgmt — Fri, 21 Oct 2022 16:54:47 GMT

I think they have slowly been improving their credit offerings. The Autograph is a solid 3% cash back card on a lot of useful categories. And the BILT card makes a lot of sense for renters, I've even thought about getting it myself.

Re: Wells Fargo Credit Cards - Are they worth it

Anonymous — Fri, 21 Oct 2022 17:13:06 GMT

IMO, it's wrong to focus on "I want a card from Bank X" unless there are compelling reasons (such as poor credit and the only choice is your current CU) and in those cases you probably wouldn't be asking!

Instead focus on what you want from a card and search around for possible candidates, which might cover lots of banks and CUs.

Re: Wells Fargo Credit Cards - Are they worth it

crystal626 — Fri, 21 Oct 2022 19:31:32 GMT

@Anonymous wrote:
@crystal626 wrote:
They're fine. The Active Cash is one of the better 2% cards (its main downside is $25 minimum and increments for redemption but they have a purchase eraser thing for smaller amounts too) and the Autograph covers a lot of categories with 3%.
Purchase eraser? Like Venture, Boa TR and Disco Miles? 😍

Yep it's called "redeem for purchases"

Re: Wells Fargo Credit Cards - Are they worth it

wasCB14 — Fri, 21 Oct 2022 19:42:38 GMT

@Anonymous wrote:
IMO, it's wrong to focus on "I want a card from Bank X" unless there are compelling reasons (such as poor credit and the only choice is your current CU) and in those cases you probably wouldn't be asking!

Instead focus on what you want from a card and search around for possible candidates, which might cover lots of banks and CUs.

...though at least asking if WF cards are worth it is better than taking the "What Amex should I get?" approach.

Re: Wells Fargo Credit Cards - Are they worth it

Remedios — Fri, 21 Oct 2022 20:07:39 GMT

@wasCB14 wrote:
@Anonymous wrote:
IMO, it's wrong to focus on "I want a card from Bank X" unless there are compelling reasons (such as poor credit and the only choice is your current CU) and in those cases you probably wouldn't be asking!

Instead focus on what you want from a card and search around for possible candidates, which might cover lots of banks and CUs.
...though at least asking if WF cards are worth it is better than taking the "What Amex should I get?" approach.

If you never fly, any Delta card is the best.

If you want to "get foot in", Platinum.

If your spend on groceries and restaurants is trivial, Gold Card.

If you want cash back, any MR earning card.

If you want MRs, BCE/BCP and Cash Magnet.

I think I got this right..

Re: Wells Fargo Credit Cards - Are they worth it

wingennis — Fri, 21 Oct 2022 20:32:04 GMT

@Remedios wrote:
@wasCB14 wrote:
@Anonymous wrote:
IMO, it's wrong to focus on "I want a card from Bank X" unless there are compelling reasons (such as poor credit and the only choice is your current CU) and in those cases you probably wouldn't be asking!

Instead focus on what you want from a card and search around for possible candidates, which might cover lots of banks and CUs.
...though at least asking if WF cards are worth it is better than taking the "What Amex should I get?" approach.

If you never fly, any Delta card is the best.
If you want to "get foot in", Platinum.
If your spend on groceries and restaurants is trivial, Gold Card.
If you want cash back, any MR earning card.
If you want MRs, BCE/BCP and Cash Magnet.

I think I got this right..

Astoundingly accurate😵‍💫

Re: Wells Fargo Credit Cards - Are they worth it

BronzeTrader — Fri, 21 Oct 2022 20:47:51 GMT

In credit card world, I do not think there is anything right or wrong. We all carry different cards for various reasons.

If I do not have any WF cards, certainly I'd like to know what cards they have. There are still a lot of good cards that I do not have and I may not even know of.

Re: Wells Fargo Credit Cards - Are they worth it

mfinsmi1 — Fri, 21 Oct 2022 22:10:03 GMT

wells fargo was one of the first big banks to approve me for a credit card in the beginning of my rebuild - ill be forever grateful. If i didnt love nfcu more i would totally get their autograph card next but i have no use for it in my current set up . the only downside ive had with them is they are tough to get a cli from at least in my own experience.

Re: Wells Fargo Credit Cards - Are they worth it

Anonymous — Sat, 22 Oct 2022 03:27:51 GMT

@Remedios wrote:
@wasCB14 wrote:
@Anonymous wrote:
IMO, it's wrong to focus on "I want a card from Bank X" unless there are compelling reasons (such as poor credit and the only choice is your current CU) and in those cases you probably wouldn't be asking!

Instead focus on what you want from a card and search around for possible candidates, which might cover lots of banks and CUs.
...though at least asking if WF cards are worth it is better than taking the "What Amex should I get?" approach.

If you never fly, any Delta card is the best.
If you want to "get foot in", Platinum.
If your spend on groceries and restaurants is trivial, Gold Card.
If you want cash back, any MR earning card.
If you want MRs, BCE/BCP and Cash Magnet.

I think I got this right..

You should also add that Amex likes big spend on all their cards but would rather you never pay (Their AR process is slow and they don't want to be bothered with all that payment stuff)

Re: Wells Fargo Credit Cards - Are they worth it

Reithe — Sat, 22 Oct 2022 12:10:37 GMT

I like the Autograph. It covers a lot of categories, has no annual or foreign transaction fees, and offers a generous SUB. Their mobile app is fine. But I can't vouch for the quality of their customer service because I've never had to contact them. Overall, though, I'm pleased with them.

Re: Wells Fargo Credit Cards - Are they worth it

cws-21 — Sat, 22 Oct 2022 12:41:25 GMT

I had the Propel and now have the Autograph. I have had no problems with Wells Fargo except for them not initially allowing a product change from the Propel, which was frustrating. At this point in time, I think the Autograph is one of the absolute best, if not the best, cash back cards for international travel given the generous 3% categories, no FTFs, and it is a Visa.