Hey all, wanted to get some feedback on my setup. Could it be better, am I missing anything, etc?
Income is $62k, FICO score is about 800
USAA Signature Visa: 14% Apr and $15k credit limit for emergencies
First Entertainment Spotlight: Entertainment (concerts, sports games, etc) and a $10 spending credit. CL is $14,500 and also a low 16% Apr
WF Autograph: Gas, Travel $9000 CL
Bilt Obsidian: Rent, Dining $7000 CL
Amex BCP: Groceries, Streaming $1000 CL
Fidelity Visa: Everyday purchases $500 CL
I don’t really fly often, and almost never stay in hotels. Usually just Airbnbs, etc
Also, why do I feel like my Autograph is one of my strongest cards? I thought WF was one of the “bad” ones? Haha
How is my setup? And is Autograph a sleeper?
byu/Zesty_Spaghetti_658 inCreditCards
Posted by Zesty_Spaghetti_658
4 Comments
Autograph is a very strong card especially paired with the active cash. The issue isnt whether it is a strong card or not it is WF is still building out its transfer partners
WF Autograph is being recommended frequently on this sub for a good reason. It has no AF or FTF, it is a Visa (for Costco and international acceptance), multiple categories have 3% rewards, flexibility to redeem rewards for cashback or points redemption with travel partners.
Wells Fargo Autograph is one of the best travel portal neutral travel cards for no annual fee. Wells Fargo’s travel portal is minimal and they don’t promote using it, probably because Expedia is one of their partners. If you use discount portals like Expedia, Priceline, Hotwire, etc. you will earn 3X and that’s very competitive.
Wells Fargo also has decent transfer partners now. They still don’t have as many as other issuers, but their redemption values are very good because they don’t skimp on transfer ratios. They don’t offer transfer bonuses, but I’d rather have good transfer ratios every day.
Just curious – why do you have the BILT Obsidian? You seem to value CB more than points as you don’t fly often or stay in hotels. Which means BILT points would have very low value for your use case. The Autograph can be a better card for dining. You are probably losing money after the Obsidian AF.