topic Re: Which Wells Fargo card is the best??? in Credit Cards

Which Wells Fargo card is the best???

Janneman — Thu, 24 Aug 2023 12:28:54 GMT

As you guys know that Wells Fargo has decided to discontinue their Propel card from November of this year....So, they are automatically converting this card first to Autograph credit card, but if someone has Autograph card then they are converting it to Active Cash...In my case, I already have Autograph card. So, I have received a letter and an email as well to notifying me that from October/November my current Propel card would be converted to Active cash. I am not sure if this Active card is good or not, so I am contemplating to get my Propel card converted to another card issued by Wells Fargo.

Do you know which card I should choose? Do you think I could request them to convert to a card of my choice? I have only two cards to choose from- (1) Reflect card which doesn't seem to do anything for me; (2) Bilt card which seems some sense to get some points...What do you think, or what you should have done if you were in my shoe? Tnx

Re: Which Wells Fargo card is the best???

chuckwood — Thu, 24 Aug 2023 13:24:46 GMT

@Janneman wrote:
As you guys know that Wells Fargo has decided to discontinue their Propel card from November of this year....So, they are automatically converting this card first to Autograph credit card, but if someone has Autograph card then they are converting it to Active Cash...In my case, I already have Autograph card. So, I have received a letter and an email as well to notifying me that from October/November my current Propel card would be converted to Active cash. I am not sure if this Active card is good or not, so I am contemplating to get my Propel card converted to another card issued by Wells Fargo.

Do you know which card I should choose? Do you think I could request them to convert to a card of my choice? I have only two cards to choose from- (1) Reflect card which doesn't seem to do anything for me; (2) Bilt card which seems some sense to get some points...What do you think, or what you should have done if you were in my shoe? Tnx

Wells fargo decided on what card to give you. They will not let you choose. I was in the same boat with already having a active cash and autograph. They were going to give me another autograph. They told me I had to wait 6 months after conversion to change it to something else. I ended up moving the credit limit to another card and closing it. No sense in having 2. The active cash is a nice 2% catch all card if you don't already have one.

Re: Which Wells Fargo card is the best???

Janneman — Thu, 24 Aug 2023 23:31:59 GMT

@chuckwood wrote:
@Janneman wrote:
As you guys know that Wells Fargo has decided to discontinue their Propel card from November of this year....So, they are automatically converting this card first to Autograph credit card, but if someone has Autograph card then they are converting it to Active Cash...In my case, I already have Autograph card. So, I have received a letter and an email as well to notifying me that from October/November my current Propel card would be converted to Active cash. I am not sure if this Active card is good or not, so I am contemplating to get my Propel card converted to another card issued by Wells Fargo.

Do you know which card I should choose? Do you think I could request them to convert to a card of my choice? I have only two cards to choose from- (1) Reflect card which doesn't seem to do anything for me; (2) Bilt card which seems some sense to get some points...What do you think, or what you should have done if you were in my shoe? Tnx
Wells fargo decided on what card to give you. They will not let you choose. I was in the same boat with already having a active cash and autograph. They were going to give me another autograph. They told me I had to wait 6 months after conversion to change it to something else. I ended up moving the credit limit to another card and closing it. No sense in having 2. The active cash is a nice 2% catch all card if you don't already have one.

You are right that Wells Fargo decides on what card to give it to you, but their email and mail also suggest that we would like another card then we can call them to request for it. I personally don't find Active Cash to be much appealing to me because this card has not much going on...2% CashBack is nothing. I have tons of other cards with 2% cards which I dont get to use for many many months because I use other cards that offer much higher CashBack. Don't know but I am leaning towards Bilt card...what do you say about it?

Re: Which Wells Fargo card is the best???

swankytiger — Fri, 25 Aug 2023 00:45:02 GMT

im pretty sure WF wont let you product change to the bilt since its a cobranded card.

your only options are the active cash or autograph or reflect.

Re: Which Wells Fargo card is the best???

chuckwood — Fri, 25 Aug 2023 02:18:59 GMT

@Janneman wrote:
@chuckwood wrote:
@Janneman wrote:
As you guys know that Wells Fargo has decided to discontinue their Propel card from November of this year....So, they are automatically converting this card first to Autograph credit card, but if someone has Autograph card then they are converting it to Active Cash...In my case, I already have Autograph card. So, I have received a letter and an email as well to notifying me that from October/November my current Propel card would be converted to Active cash. I am not sure if this Active card is good or not, so I am contemplating to get my Propel card converted to another card issued by Wells Fargo.

Do you know which card I should choose? Do you think I could request them to convert to a card of my choice? I have only two cards to choose from- (1) Reflect card which doesn't seem to do anything for me; (2) Bilt card which seems some sense to get some points...What do you think, or what you should have done if you were in my shoe? Tnx
Wells fargo decided on what card to give you. They will not let you choose. I was in the same boat with already having a active cash and autograph. They were going to give me another autograph. They told me I had to wait 6 months after conversion to change it to something else. I ended up moving the credit limit to another card and closing it. No sense in having 2. The active cash is a nice 2% catch all card if you don't already have one.
You are right that Wells Fargo decides on what card to give it to you, but their email and mail also suggest that we would like another card then we can call them to request for it. I personally don't find Active Cash to be much appealing to me because this card has not much going on...2% CashBack is nothing. I have tons of other cards with 2% cards which I dont get to use for many many months because I use other cards that offer much higher CashBack. Don't know but I am leaning towards Bilt card...what do you say about it?

You can try maybe they might have changed things closer to conversion but a few weeks ago when I tried they told me I had to wait 6 months after conversion. I don't think you can change to a cobrand card at all. You can always just wait 6 months and change it to something else or move the credit limit to the autograph and dump it like I did if it has no use to you

Re: Which Wells Fargo card is the best???

NoMoreE46 — Fri, 25 Aug 2023 09:21:35 GMT

I have two Autographs along with my Propel. My PPL was thankfully converted to the Active Cash.
Echoing what @chuckwood has noted about having to sit out during the 6 month lock out period.

Who knows if WF will allow one to PC yet again from the PPL replacement.

You can move all but $500 (I think) of your CL from the redundant card to your AG and AC.

Re: Which Wells Fargo card is the best???

Janneman — Fri, 25 Aug 2023 10:09:21 GMT

@NoMoreE46 wrote:
I have two Autographs along with my Propel. My PPL was thankfully converted to the Active Cash.
Echoing what @chuckwood has noted about having to sit out during the 6 month lock out period.
Who knows if WF will allow one to PC yet again from the PPL replacement.

You can move all but $500 (I think) of your CL from the redundant card to your AG and AC.

Didn't know that one could have two of this-Autograph card.....

Re: Which Wells Fargo card is the best???

Janneman — Fri, 25 Aug 2023 17:32:22 GMT

Ok...I did call today to WF, and I am told that the outgoing card- Propel could be converted to only two cards, either to Autograph or Active Cash. Not even to Reflect one. Though I have not received my new converted card yet, and it would take 5 more weeks to receive...by the end of next month in September...as I am told that its in the process of conversion. They wanted me to wait until I get new card to do anything...either product change or relocation of CL from Propel card....

Re: Which Wells Fargo card is the best???

James3 — Sat, 26 Aug 2023 00:53:44 GMT

@swankytiger wrote:
im pretty sure WF wont let you product change to the bilt since its a cobranded card.
your only options are the active cash or autograph or reflect.

WF will not let you product change to BILT. I asked last September about this option. There's no harm in asking though.

Re: Which Wells Fargo card is the best???

Janneman — Sat, 26 Aug 2023 03:34:03 GMT

@James3 wrote:
@swankytiger wrote:
im pretty sure WF wont let you product change to the bilt since its a cobranded card.
your only options are the active cash or autograph or reflect.
WF will not let you product change to BILT. I asked last September about this option. There's no harm in asking though.

You are right and I did post this afternoon that I did call them today early in the morning, and they said that they allow product change of Propel card to only these two cards- Autograph or Active Cash which kinda surprised me because Reflect card is also their which is not a co-branded card....

Re: Which Wells Fargo card is the best???

Janneman — Sat, 26 Aug 2023 03:43:27 GMT

@NoMoreE46 wrote:
I have two Autographs along with my Propel. My PPL was thankfully converted to the Active Cash.
Echoing what @chuckwood has noted about having to sit out during the 6 month lock out period.
Who knows if WF will allow one to PC yet again from the PPL replacement.

You can move all but $500 (I think) of your CL from the redundant card to your AG and AC.

When I called them this early morning, representative told me that I do not need to wait for 6 months after receiving the card to do product change or CL relocation...I told her about what you and @chuckwood were told...She then started giving me all kinda scenario that you guys were misinformed...blah ..blah....Anyway, we don't know she was right or wrong because agents are more often wrong as well...

I would not do product change if they would require me to keep some CL on donor card...Last time I did it on my CashWise card with them, they didn't ask me to leave out some money. Besides, I wouldn't do relocation of CL because then it would hold me off from getting any CLI because then I would have too much CL on one card as I already have too much CL on Propel card...and if I would relocate that limit to my Autograph card then I am sure I would never be able to get CLI as SP and I might never be able to get any CLI because then it would be very high CL on one card....Just keep the Active Cash, or might get another Autograph which I am told that I can get it another one as well...

Re: Which Wells Fargo card is the best???

DatBoiQuick — Sun, 27 Aug 2023 00:02:50 GMT

BILT > Autograph > ActiveCash

Re: Which Wells Fargo card is the best???

Eagered2succeed — Sun, 27 Aug 2023 07:05:50 GMT

Interesting enough, I finally received my autograph card yesterday in the mail. Was wonder why it took so long, but I should've just waited for the email which I received two days ago saying it would take a week LOL. Sad to see its over for the propel but also glad to have the 3% on cellphone payments. Have been using AOD card for the 3% which doesn't include phone insurance.

Re: Which Wells Fargo card is the best???

TRC_WA — Wed, 30 Aug 2023 00:02:37 GMT

@DatBoiQuick wrote:
BILT > Autograph > ActiveCash

... and if you need a nice BT card... Reflect.

I just finished my 21 month 0% promo... and since the card is now basically useless (like my Platinum) I will apply for either of the 3 above in early 2024 and then move the CL from the Reflect over... as I did when I first got the Reflect and transferred most of my Platinum CL over.

Re: Which Wells Fargo card is the best???

CYBERSAM — Wed, 30 Aug 2023 21:19:03 GMT

@Janneman wrote:
As you guys know that Wells Fargo has decided to discontinue their Propel card from November of this year....So, they are automatically converting this card first to Autograph credit card, but if someone has Autograph card then they are converting it to Active Cash...In my case, I already have Autograph card. So, I have received a letter and an email as well to notifying me that from October/November my current Propel card would be converted to Active cash. I am not sure if this Active card is good or not, so I am contemplating to get my Propel card converted to another card issued by Wells Fargo.

Do you know which card I should choose? Do you think I could request them to convert to a card of my choice? I have only two cards to choose from- (1) Reflect card which doesn't seem to do anything for me; (2) Bilt card which seems some sense to get some points...What do you think, or what you should have done if you were in my shoe? Tnx

I've been looking at WF for a while now to grab a decent CC from them. Just to have them as another option and expand the banks I do business with.

Four years ago I tried Propel but got denied due to many inquiries, then after that didn't see the need for it.

I like Bilt, but have no use for it unless they add mortgage payment to rewards.

Everything else they got is about average and noting especial.

There was rumored that WF had plan to introduce couple of more cards a year ago, but noting came out!

Re: Which Wells Fargo card is the best???

NoMoreE46 — Wed, 30 Aug 2023 23:27:11 GMT

Right, and for some, the Bilt card has no extra value. So it could be Card A > Card B > Bilt

@TRC_WA wrote:

@DatBoiQuick wrote:
BILT > Autograph > ActiveCash

... and if you need a nice BT card... Reflect.

I just finished my 21 month 0% promo... and since the card is now basically useless (like my Platinum) I will apply for either of the 3 above in early 2024 and then move the CL from the Reflect over... as I did when I first got the Reflect and transferred most of my Platinum CL over.

Re: Which Wells Fargo card is the best???

Anonymous — Thu, 31 Aug 2023 08:58:36 GMT

None of them.

New YorkCNN —

Federal regulators fined Wells Fargo a record $1.7 billion on Tuesday for “widespread mismanagement” over multiple years that harmed over 16 million consumer accounts.

The Consumer Financial Protection Bureau said Wells Fargo’s “illegal activity” included repeatedly misapplying loan payments, wrongfully foreclosing on homes, illegally repossessing vehicles, incorrectly assessing fees and interest and charging surprise overdraft fees.

The CFPB ordered Wells Fargo (WFC) to pay the $1.7 billion civil penalty in addition to more than $2 billion to compensate consumers for a range of “illegal activity.” CFPB officials say this is the largest penalty imposed by the agency.

The misconduct described by the CFPB echoes previously reported revelations that have emerged about Wells Fargo since 2016 when the bank’s fake-accounts scandal created a national firestorm.

“Wells Fargo’s rinse-repeat cycle of violating the law has harmed millions of American families,” Rohit Chopra, the CFPB’s director, said in a statement.

Officials also made clear on Tuesday that Wells Fargo is not nearly out of the penalty box with regulators.

‘Repeat offender’

Chopra described Wells Fargo as a “repeat offender” and a “corporate recidivist,” adding that Tuesday’s fine is just an “initial step” towards holding the bank accountable.

During a call with reporters, Chopra said the new settlement should not be read as a signal that “Wells Fargo has moved past its long-standing problems or that the CFPB’s work is done here.”

For instance, Chopra noted that the settlement does not provide immunity for individuals at Wells Fargo, and the agency recognizes the $3.7 billion in fines and restitution will not fix the bank’s problems.

Although Chopra credited Wells Fargo with making some progress, he said it’s not clear “they are making rapid enough progress” and said the agency is concerned that the bank’s product launches, growth initiatives and profit-boosting efforts have “delayed needed reform.”

Re: Which Wells Fargo card is the best???

NoMoreE46 — Thu, 31 Aug 2023 11:28:08 GMT

Hey there @Anonymous,

We are aware of this bank's issues and fines, etc. This topic and the OP though, is asking for advice about WF cards.

I encourage to you start your thread under a more appropriate section for better visbility.

News

@Anonymous wrote:
None of them.

New YorkCNN —
Federal regulators fined Wells Fargo a record $1.7 billion on Tuesday for “widespread mismanagement” over multiple years that harmed over 16 million consumer accounts.
The Consumer Financial Protection Bureau said Wells Fargo’s “illegal activity” included repeatedly misapplying loan payments, wrongfully foreclosing on homes, illegally repossessing vehicles, incorrectly assessing fees and interest and charging surprise overdraft fees.
The CFPB ordered Wells Fargo (WFC) to pay the $1.7 billion civil penalty in addition to more than $2 billion to compensate consumers for a range of “illegal activity.” CFPB officials say this is the largest penalty imposed by the agency.
The misconduct described by the CFPB echoes previously reported revelations that have emerged about Wells Fargo since 2016 when the bank’s fake-accounts scandal created a national firestorm.
“Wells Fargo’s rinse-repeat cycle of violating the law has harmed millions of American families,” Rohit Chopra, the CFPB’s director, said in a statement.
Officials also made clear on Tuesday that Wells Fargo is not nearly out of the penalty box with regulators.
‘Repeat offender’
Chopra described Wells Fargo as a “repeat offender” and a “corporate recidivist,” adding that Tuesday’s fine is just an “initial step” towards holding the bank accountable.
During a call with reporters, Chopra said the new settlement should not be read as a signal that “Wells Fargo has moved past its long-standing problems or that the CFPB’s work is done here.”
For instance, Chopra noted that the settlement does not provide immunity for individuals at Wells Fargo, and the agency recognizes the $3.7 billion in fines and restitution will not fix the bank’s problems.
Although Chopra credited Wells Fargo with making some progress, he said it’s not clear “they are making rapid enough progress” and said the agency is concerned that the bank’s product launches, growth initiatives and profit-boosting efforts have “delayed needed reform.”

Re: Which Wells Fargo card is the best???

RobertS2 — Mon, 03 Nov 2025 20:43:12 GMT

Active Cash is the best Wells Fargo credit card in my opinion. I saw that WalletHub agrees too, which made me feel good. I just think it’s really hard to beat 2% cash back, no fee, 0% intro APR, and an easy-to-earn initial bonus. The Autograph card is really good too – I just don’t think it fits as many people as Active Cash.

Re: Which Wells Fargo card is the best???

Deedee_ — Tue, 04 Nov 2025 14:21:51 GMT

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