What is Wells Fargo? Many of you have probably never heard of it. Others like it, and so does Wells Fargo. But, you need to understand that there are many Wells Fargo credit card offers out there, but very few of them can be called 'mainstream'. In fact, among the mainstream options for credit cards (and one that many consumers tend to prefer), Wells Fargo has been somewhat slow to make waves.
So, what makes Reddit such a great choice for those looking for a card? For one thing, unlike most of the other options, those with Reddit Cards can actually gain access to perks and rewards, at the same time they are paying a lower interest rate. Here's how that works:
As mentioned above, Reddit is an online community that focuses on the online experience more than anything else. The folks at Reddit have long been masters at spotting trends – where customers are clamoring for better deals, how to streamline the shopping experience, and how to get more from their bank and credit card companies. They've also been instrumental in helping smaller banks make themselves heard above the noise caused by the giants. That's why they're now offering their own small lender-friendly secured credit cards – with special offers, perks, and even cash back rewards.
The benefits of owning a Reddit card include everything mentioned above, but on top of all of that you can get access to reddiquette and other helpful information for any given store. For example, you can usually ask questions about different promotions, or just general questions about using the website. Additionally, most stores offer online access. You don't have to use your personal computer to do all of this; you can still get your Reddit cards online! That means no waiting around all day for cashier trouble to solve your problem.
Now, the major drawback is that you will probably pay a higher interest rate on your Wells Fargo secured credit card. This is because this card is designed specifically for people with bad credit. If you have bad credit, though, you can still apply and get approved for this card – and get instant approval.
The difference between the standard and the VIP cards is that VIP access cards give extra perks like access to special offers and online resources. These types of cards are usually a lot harder to get approved for, since lenders want to be sure that there's a real need for someone who will actually pay off the balance. That's why these cards are so highly coveted – they give you access to great rates and options right when you need them. These types of cards are often referred to as “second chance” cards.
On the other hand, standard credit cards are the way to go if you're just starting to build your credit score back up. You don't necessarily want to get a card with all of those bonus features, but you do want to make sure that you are able to make payments every month. So in essence, a standard card is a “greener” version of the VIP card. You should definitely see a rate below the rate on the Reddit card – especially if you use a lot of gas or store cards.
Both of these cards will give you access to some of the same rewards and features, but one may be easier to get approved for. Either way, both of these Wells Fargo Secured Credit Cards will help you manage your finances, while giving you extra rewards. If you're looking for a credit card, consider one of these two credit cards. They will give you the convenience of a debit card combined with rewards and benefits.
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