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Wells Fargo Credit Cards - Are they worth it

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longtimelurker
Epic Contributor

Re: Wells Fargo Credit Cards - Are they worth it

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.

Message 11 of 21
crystal626
Regular Contributor

Re: Wells Fargo Credit Cards - Are they worth it


@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"

Message 12 of 21
wasCB14
Super Contributor

Re: Wells Fargo Credit Cards - Are they worth it


@longtimelurker 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.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 13 of 21
Remedios
Credit Mentor

Re: Wells Fargo Credit Cards - Are they worth it


@wasCB14 wrote:

@longtimelurker 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..  

Message 14 of 21
wingennis
Valued Contributor

Re: Wells Fargo Credit Cards - Are they worth it


@Remedios wrote:

@wasCB14 wrote:

@longtimelurker 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😵‍💫

Message 15 of 21
BronzeTrader
Valued Contributor

Re: Wells Fargo Credit Cards - Are they worth it

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.

 

 

Message 16 of 21
mfinsmi1
Established Contributor

Re: Wells Fargo Credit Cards - Are they worth it

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. 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 17 of 21
longtimelurker
Epic Contributor

Re: Wells Fargo Credit Cards - Are they worth it


@Remedios wrote:

@wasCB14 wrote:

@longtimelurker 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)

Message 18 of 21
Reithe
Valued Member

Re: Wells Fargo Credit Cards - Are they worth it

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. 

Credit Card Setup:

Sock Drawer:

Chopping Block:
Message 19 of 21
cws-21
Established Contributor

Re: Wells Fargo Credit Cards - Are they worth it

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.

Message 20 of 21
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