The Wells Fargo Cash Back Visa Signature is a great credit card. It sits at the top of the list of best balance transfer cards simply due to the many things you receive once the balance transfer is made. It manages to combine an excellent long introductory interest rate with some decent cash back rewards and good incentives. However, is this card right for you? This article will discuss the positives and negatives of this credit card.
One of the best parts of this card is the 0% interest rate that lasts for three years on purchases. This means you can save hundreds of dollars every month. This is especially good if you have a high credit level good enough for a standard interest rate. You can use as much as you wish until your balance transfers out and you can continue to enjoy the benefits. Plus, with a good reward program, you will be able to earn free gas, oil change coupons, and even Lowe's coupons.
A major drawback of this credit cards is that they come with an annual fee. Although it may not seem like much, this can add up over time. In some cases annual fees can surpass the cash back reward, and this can make you feel that you are not getting much for your money. With that in mind, here are some pros and cons of this card to consider.
The biggest pro of this card is the 0% intro bonus. It allows you to enjoy instant savings on your purchases, which is how most people start off when they transfer their balance to this brand. After the first 3 months, you will see the full benefit of the 0% annual fee along with your cash back bonuses and saving. Then you simply wait it out until your next billing cycle begins.
This gives you the ability to find some relief between your credit card debt and the high fees that come with it. Most people will not think about how a card works, but the fact of the matter is that your spending must match your income in order to use the rewards points. If you are taking advantage of offers such as the Wells Fargo welcome bonus, then you are able to do this. These cards do not require a balance transfer, which is why people like these types of credit cards. It takes the hassle out of paying credit card bills by allowing you to instantly receive reward points for using everyday purchases.
These types of credit cards do not require annual fees or a balance transfer, which makes them a very attractive option for people who are struggling with high credit card debt. They also offer free assistance if you need it in the form of customer service, so it is a win-win situation for both you and Wells Fargo. On top of that, the incentives offered by the company are second to . . . . . . none. These rewards can include thousands of dollars in cash back, gift cards for your favorite stores, department store items, home improvement items, gas rebates, airline tickets, car rentals, and much more. This basically gives you a chance to earn a significant amount of money on an annual basis.
The way that all of this works is simple, but it is something that many people fail to take advantage of. When you apply for either a Wells Fargo cash back or a Visa signature card, one of the requirements is a decent FICO credit score. Having a higher FICO credit score will allow you to receive more incentives from both companies. If you have a low credit score, then you may not be eligible for these kinds of rebates. But, once you discover that you qualify for the incentives, then you are well on your way to achieving financial freedom.
If you have been waiting to make some repairs in your home or reduce your spending so that you can get some money saved, then now is the time to do so. You can get a Wells Fargo cash back card, or a Visa card with a percentage cash back offer, without having to worry about damaging your credit score in the process. All you have to do is take the time to search out the right company for you will soon be enjoying the perks of owning one of these credit cards.
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