Wells Fargo Credit Cards - Are they worth it

[longtimelurker]

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.

[crystal626]

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@Anonymous wrote:

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@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%.

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

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Yep it's called "redeem for purchases"

[wasCB14]

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@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.

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

[Remedios]

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@wasCB14 wrote:

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@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.

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

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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..  

[wingennis]

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@Remedios wrote:

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@wasCB14 wrote:

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@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.

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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..  

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Astoundingly accurate😵‍💫

[BronzeTrader]

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.

[mfinsmi1]

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. 

[longtimelurker]

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@Remedios wrote:

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@wasCB14 wrote:

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@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..  

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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)

[Reithe]

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. 

[cws-21]

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.