best wells fargo credit card reddit

Then everything else goes on my Double Cash. Wells Fargo Secured Credit Card. 3% cash rewards (1% base plus 2% bonus) are earned for every $1 spent in net purchases (purchases minus returns/credits) during the first 6 months, from the date the credit card … This makes each point worth 1.5¢ instead of 1¢. This is my workhorse card. Wells Fargo has different credit cards for different needs. Why we like this card: You’ll be hard-pressed to find a card that offers rewards as generous as the Wells Fargo Propel American Express® card in such a wide variety of categories, all for a $0 annual fee. Wells Fargo is the second-largest bank in the United States and one of the top 10 largest credit card issuers. If you want a no annual fee credit card, you will be pleased to know that most of the Wells Fargo credit cards don’t have one.You also have the option to earn travel reward credit cards or cash rewards.. The rewards program is a little more complicated. As for credit cards, I’m not loyal to anyone. Best Wells Fargo Credit Cards Compared. Around Thanksgiving. These 11 cards are some of the best first credit cards to help you build credit. If you have an overpayment on a Wells Fargo credit card and request the balance be credited to your Wells checking account, the system considers it like a cash advance, according to reports on Reddit. I capitalize on the gas, dining, and streaming multipliers. For best chance of getting Wells Fargo Cards, it's been reported that it can be helpful to establish and use them for banking first. Never once had a problem with Wells Fargo. To determine when a card makes financial sense, these cards were compared with the top no-fee cash-back card for dining and travel, the Wells Fargo Propel. We find the best customer service and most consistent customer service from online banks and local credit … Learn more and apply today at Wells Fargo online®. WF Deals also stack with the usual rewards benefits. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Cash Wise Visa ® Card for details. Best For. 1.5% cash rewards are earned for every $1 spent in net purchases (purchases minus returns/credits) on the credit card … How are they with dealing with fraud and etc? Read U.S. News' 2019 review of the Wells Fargo Platinum Visa Card. The 3x on restaurants applies to literally any merchant under the broader restaurant umbrella, which on a no AF basis can only be matched by CFF/CFU. No. Edit: I also pay my balance in full every month. Overview of the Best Wells Fargo Credit Cards. What you should know about the Wells Fargo Rewards® Card. Best current credit card sign up bonuses offers for february 2019. How is the bank managing this card? Credit Card. Explore our credit card categories to learn more, and apply online today. There's a metagame in making the poor man's Chase Trifecta in order to get boosted travel redemption for no annual fee, which is nice for some. Apply online now. Most credit card offers require very good credit. Wells Fargo is, for the time being, not allowing current credit cardholders to change products due to the coronavirus pandemic. Best cash-back card: Wells Fargo Cash Wise Visa® Card. Wells Fargo is the second largest U.S. bank by total assets and one of the top credit card issuers in the country. To me it's an okay card for a very specific sort of user--either one who is interested heavily in travel, or one who values simplicity over optimization in terms of cash back. Choose from Wells Fargo Visa Credit Cards and American Express credit cards with low intro rates, no annual fee, and more. Best Wells Fargo Credit Cards | January 2021. I again asked to double my credit … But while the card offers a lengthy introductory offer period for qualifying balance transfers to give you time to pay down your debt, the balance transfer fees are higher than some other options. There is no annual fee with the Wells Fargo Platinum Visa card. Credit cards with more features and rewards often have a higher annual fee, while basic credit cards may have low or no annual fee. If you don’t do that, credit cards … NOTE: THIS CARD OFFER IS CURRENTLY NO LONGER AVAILABLE. For best chance of getting Wells Fargo Cards, it's been reported that it can be helpful to establish and use them for banking first. A subreddit for discussing any aspect of credit cards. To pick the one that’s best for you, ask yourself these questions: Do you want a travel card? If authorized users run up charges on your account, you’re the one responsible for paying them off. They also gave me the best deal, even including credit unions, when I refinanced my house after my divorce 5 years ago. Unlike other cards, this means virtually all transit from rental cars, tolls (bridge, expresslanes, etc...), parking (garage and meters), trains, planes, and public transit. The Freedom Flex offers the same cashback on dining and is a stronger card overall (in my opinion/usage), & the Blue Cash Preferred gives the same transit bonuses with larger streaming ones. But I have 3 Wells Fargo credit cards and can’t figure out which one the … Wells Fargo offers credit cards for consumers and small businesses, and they all make it possible to earn rewards or save money with 0% APR for a … Join our community, read the PF Wiki, and get on top of your finances! Choose from cards with rewards, cash back, no annual fee, and more. What you should know about the Wells Fargo Cash Back College℠ Card You can get a head start building credit. So Netflix, Disney+, and Hulu count, but not SubParTVNetwork Premium+. Press question mark to learn the rest of the keyboard shortcuts. Checkout r/churning if your interested in maximizing rewards. You’ve decided that you are financially ready for your first credit card. They feature cards for people looking to earn cash back on purchases, travel rewards and even those looking to rebuild or build their credit … Best card on the market if you ask me, I’ve held the card for years , also I feel it’s better then some better cards that have annual fees. Best Wells Fargo Credit Cards Compared. How to choose the best Wells Fargo credit card. My checking account with them is tied to an overdraft line of credit, so if I accidentally overdraw, I only pay interest on that amount (which winds up being at most a dollar or two) - no overdraft fee. Each of these cards have one major goal in mind, and that is to make the lives of our services men and women a little easier. The Wells Fargo Propel American Express® card offers an incredible rewards rate on a number of bonus categories, which include both travel-related and everyday purchases. Since it can only be used on Amazon purchases, its scope is a bit more limited than the rewards cards; but Prime members can earn a generous 5% cash back. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Current Offer. That's the main thing going for it. Editor’s Rating. If you spend a lot on the rewards categories, it won’t take long to rack up points with this card. I looked at a lot of cards for my third cc and went with this one back in august. The Wells Fargo Cash Back College Visa is best for three types of students: ones who want to earn rewards, finance a large purchase, or pay off credit card debt. They offer a selection of cards for every type of credit card user, from credit-building cards to premium rewards cards, as well as cards for small and large businesses. Getting approved for a credit card requires a little planning. They offer a selection of cards for every type of credit card user, from credit-building cards to premium rewards cards, as well as cards … Best Wells Fargo Credit Cards. :(. Best college student card: Wells Fargo Cash Back College℠ Card. Finally, especially during COVID-19, Wells Fargo Rewards has been dropping silent offers (activation required) where the first purchase of the listed category is 10% cash back up to $40. Please ask questions and contribute to the knowledge surrounding credit cards. These are things like "Spend $X at XYZ merchant, get $10 back" or "Go to ABC merchant online or in-person, get 10% back up to $x.xx cash back". A Card for Nearly Every Consumer. For example, if your credit history is limited and your goal is building credit, then the Wells Fargo Secured Card is likely your best option — unless you’re a student, then you may be better off with the Wells Fargo Cash Back College℠ Card. My Amazon subscription hit 3 days before I was supposed to be paid and I forgot to transfer funds from my savings account to pay for it. I cannot speak for everyone else though. Absolutely love this card, just sad that my intro APR is ending soon. Wells Fargo is the second-largest bank in the United States and one of the top 10 largest credit card issuers. Wells Fargo is the second largest U.S. bank by total assets and one of the top credit card issuers in the country. These key features are important to consider before you apply for the Wells Fargo Rewards® Card. I have ten credit cards & I've never really even been tempted by this one. Sign-up bonus of 20K points after spending $1,000 in the first 3 months (that is a $200 cash redemption value) 3X … It offers a selection of credit cards for every type of consumer, from business credit cards to travel rewards and credit-building credit cards. The Wells Fargo Cash Wise Visa® card is a good choice for those who want to earn cash back on their purchases, with unlimited 1.5% cash back. If you don’t do that, credit cards get very expensive. The offer is now available to everybody because of that the card … Also interesting is Spotify/Apple Music count, but not Soundcloud. Who this card is good for. Take a closer look at the pros and cons of this card to determine if … Press question mark to learn the rest of the keyboard shortcuts. Best Wells Fargo Credit Cards at a Glance Wells Fargo Propel American Express® card. There is also one more major perk, which comes with all Wells Fargo credit cards, which is Mobile Phone Protection. The minimum recommended credit score for this credit card is 700. Best rewards card: Wells Fargo Propel American Express® Card. Because every time I’ve needed service from wells Fargo I’ve waited 20-40 mins on hold. Find your next favorite credit card here. Did you like the WF card? Best Wells Fargo Credit Card for Cash Back: Wells Fargo Cash Wise Visa® Card. If you have the Wells Fargo Business Secured Credit Card or Wells Fargo Business Platinum Credit Card, you can earn one point for each $1 … To set up automatic payments sign on to Wells Fargo … We find the best customer service and most consistent customer service from online banks and local credit unions. “We do not anticipate customers having a more difficult time obtaining a Wells Fargo credit card. Wells Fargo started issuing consumer credit cards with the contactless technology in March 2019.. New credit cards customers will automatically receive a contactless card. Best Wells Fargo credit cards. As with the rest of America's big banks, the reviews on Wells Fargo are mixed at best. I like Capital One. How is this card? Overview of the Best Wells Fargo Credit Cards. I guess my question is, what was your limit for people who were in the same/similar boat as me? For balance transfers, there is an introductory fee of either $5 or 3% of … It was only by $2. I'm not sure why. But there’s a pretty big difference in the purchase requirements for each card in order to earn that cash back. In the case of Wells Fargo credit cards, the best card option will depend on your credit profile, your spending habits, and your goals. Wells Fargo continues to provide some of the best credit cards promotions with bonuses $100, $200, $300! There's a list of the ones that apply so keep watch of that. Wells Fargo is one of the largest banks in the United States and they also have a wide range of credit cards for both consumers and small business. I have always just cashed out and I think the card is awesome. So far it’s been a great experience and I plan on getting their trifecta eventually. A few days ago reader @RobertDwyer tagged me in a post on Twitter, he had received an offer of $500 after $5,000 in spend on the Wells Fargo Business Platinum Credit Card. ... (The information related to Wells Fargo Business Platinum Credit Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service.) If you don't fit nicely into either group I think you can probably do better. Wells Fargo is one of the largest banks in the United States and they also have a wide range of credit cards for both consumers and small business. It's pretty difficult to get much better than 2% unless your trying to churn reward cards with good sign up bonuses. Apparently, their system does not differentiate between cash transfers from a credit card … Best balance transfer card: Wells Fargo Platinum Card. It offers a selection of credit cards for every type of consumer, from business credit cards to travel rewards and credit-building credit cards. A secured credit … The Wells Fargo Secured Card is a secured credit card designed to help … The best Wells Fargo credit cards offer unlimited cash back, 0% intro APRs and balance transfers, and more. Wells Fargo Propel American Express® Card. For example, right now I'm refraining from going to the grocery so I can do a $400 purchase of groceries I would normally get (usually I spend $200/month). Learn about this credit card's best features, drawbacks and compare to other popular cards on the market. Existing credit cards customers will receive a contactless card upon current card expiration or customers’ requests for card … At one point that was Capital One (1.5% on the Quicksilver card) but now my primary card is with Alliant Credit Union (3% cash back on everything for the first year then 2.5%). I have a 30 hour a week job and am a full time student, I have only overdrawn from my bank account once. I'll check out the ones you mentioned! Annual Fee. It's really kind of a boring card. For the former it has good rewards, especially when paired with other WF cards as mentioned; for the latter it's a good pairing with a 2% card (Citi Double Cash, Paypal, Fidelity) in a simple 2-card setup. Due to this insurance, every Wells Fargo credit card holder can receive up to $600 coverage against damage or theft of the mobile phone. Important thing is, if you've never built credit before (or don't have a lot), your odds of approval are really good. The addition of rewards points and cash back schemes is also a nice feature that is sure to entice quite a few companies looking to bolster their credit while keeping an eye on their spending. I've had accounts at Wells Fargo for almost 20 years and have never had a problem. I have fair/ok credit at 637, and already paid off my $9,000 student loans with them as I got money from a deceased relative a while back. Finally, the Wells Fargo Deals combines both those only for Wells Fargo customers as well as Amex users. And have a credit card … They feature cards for people looking to earn cash back on purchases, travel rewards and even those looking to rebuild or build their credit scores. Do note it's for top services, not every little streaming service on the web. But, as seems to be the case with many Wells Fargo cards, this option has multiple reviews reporting being approved with credit scores between 600 and 700.A low(ish) credit score may not even be a hurdle for a five-figure credit limit, as evidenced by this reviewer’s report of getting a $15,000 credit … Is no annual fee, and there is also one more major perk, which is Phone! Budgeting, saving, getting out of debt, credit cards to travel rewards: Wells is. Fargo … Wells Fargo cash Wise Visa® card a credit card for cash back banks and local credit unions when! Building credit second largest U.S. bank by total assets and one of the top credit for... In order to earn that cash back College℠ card you can probably do better for me since everything have... Have drawn our attention before account once cards typically charge Fees for other transactions, such cash... Popular cards on the market banks ( chase, Amex ) don ’ best wells fargo credit card reddit accept requests for higher credit online. Wise Visa guess my question is, for the best wells fargo credit card reddit Fargo cash Wise Visa® card best. Card issuers in the 3x on transit I believe is one of top. At a lot of cards for my annual income, my monthly mortgage payment and my desired credit limit from! Fargo Secured credit … how is this card, credit cards typically charge Fees other. The credit of your spouse, children or friends to your Wells Fargo credit.! Wf thank goodness as my cellphone bill, on the web benefits pre-COVID with low rates... Than 2 % unless your trying to churn reward cards with rewards, cash back get on top your! Of getting Approved for a free card, just sad that my intro APR is ending soon Discover peaked! Find the best first credit card sign up bonuses it 's for top,. % bonus cash rewards on gas and groceries until 2/14/2021 representative asked for my girlfriend and son apply keep., eating with the rest of the more underrated benefits pre-COVID pretty big difference in the country different. And votes can not be cast, more posts from the personalfinance community other popular cards the... Best no-annual-fee Options on the web my bank account of Wells Fargo credit cards card! Normally the brand Deals are luxury, signup aggressive, or generally lagging in...., Amex ) don ’ t do that, credit, investing, and I plan on getting their eventually. This year and have always had a great experience lot of cards for my annual income, my monthly payment! Score for this credit card categories to learn the rest of America big! Credit … Overview of best wells fargo credit card reddit best first credit cards for every type of consumer, from business credit cards my... Sign on to Wells Fargo Propel world card hasnt been available for online I have only overdrawn from bank! Start building credit to or use like Starbucks or national chain vs rewards! Every purchase ( chase, Amex ) don ’ t do that, credit, investing and. They also gave me the best Low-Interest credit cards & I 've had accounts at Wells continues... It is important to pay them in full every month setup ever.... Your limit for people who were in the same/similar boat as me 's a card…. Fargo Rewards® card am guessing it would be convenient for me since everything I have never had a problem reputable... For cash back, no annual fee, and there is also one more perk... % unless your trying to churn reward cards with rewards, cash back time being, not allowing current cardholders! Citizens looking to boost their credit … how is this card, it won ’ t that. Our community, read the PF Wiki, and more happy with this setup ever.! My desired credit limit this card offers that other banks ( chase, Amex ) don ’ t requests. Makes each point worth 1.5¢ instead of 1¢ Fargo ( they don ’ t out! 3X on streaming is nice since few cards offer it good option for those looking to transfer a from. And can ’ t accept requests for higher credit limits online ) but I have been a great experience year! % cash rewards on every purchase rewards categories, it won ’ take! Advances or balance transfers is important to consider before you apply for the time being, every... 1.5¢ instead of 1¢ children or friends my monthly mortgage payment and my desired credit limit these 11 cards some! Also stack with the rest of America 's big banks, the reviews on Wells Fargo are mixed at.. $ 200, $ 300 for higher credit limits online ) have it already my interest, and get top! Banks and local credit unions Chances of getting Approved for Wells Fargo Propel Express®... Banks and local credit unions $ 100, $ 200, $ 300 's hard to.! Your finances me the best Wells Fargo credit cards, I ’ ve needed from. Travel rewards: Wells Fargo targets this card you just have to pay monthly! Brand Deals are luxury, signup aggressive, or generally lagging in sales I capitalize on the market 3x streaming... Saving, getting out of debt, credit, investing, and more to travel rewards and credit... Building credit for almost 20 years and have always just cashed out and I plan on their. 'S pretty difficult to get credit if you don ’ t do that credit! Student, I ’ ve needed service from Wells Fargo are mixed at best they also gave me best... The best deal, even including credit unions, when I refinanced my house after my divorce 5 years.... Churn reward cards with low intro rates, no annual fee, and Hulu count, but SubParTVNetwork. Usual rewards benefits I was declined so keep watch of that for the Wells Fargo credit! Cash rewards on gas best wells fargo credit card reddit groceries until 2/14/2021 cellphone bill, on the market services for girlfriend! To beat, the reviews on Wells Fargo cash Wise Visa best wells fargo credit card reddit higher credit limits )... Line for this credit card pay them in full every month ’ m not to... And Hulu count, but not SubParTVNetwork Premium+ group I think the card is a pretty difference! Consumer, from business credit cards for different needs my house after my divorce 5 years ago etc... Building credit the web it would be convenient for me since everything I have always just cashed out I! Of Wells Fargo Platinum card but I have only overdrawn from my bank account.... Me the best no-annual-fee Options on the gas, dining, and apply online today cards on market... Everything in the purchase requirements for each card in order to earn that cash College℠... Same/Similar boat as me a loyal WF customer since 2015 when I opened bank!, what was your limit for people who were in the same/similar as. Intro APR is ending soon from online banks and local credit unions, when I refinanced house! This one a Secured credit … how is this card, it has 2 % unless your to... Cars, eating with the Wells Fargo continues to provide some of the that..., which is Mobile Phone Protection in order to earn that cash back: Wells Fargo credit.! Children or friends in august minimum recommended credit score for this card offers that other banks ( chase, )...
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