This card is just an ordinary card with a rewards program that costs $20/year. This was my first card and I already had accounts with them so getting approved was no big deal. The one thing that I like about this card is that paying the bill can be quick and easy by just transferring money from your checking or savings so no need to worry if your check got there on time. APR should be pretty standard, but I have always paid my bill in full every month. All in all, this is good card to build credit with.

I have really good credit. However, Wells Fargo refused to give me a better interest rate than 20% apr. They would not allow me to add my husband to the card. Overall, I am tired of dealing with this company. I am going to close my account with them.

over all good card