Deciding whether to open a credit card (from Wells Fargo or any other card issuer) depends on your personal circumstances. If you can manage your finances and avoid incurring a problematic amount of debt, opening a credit card can be a sensible way to streamline your spending framework and capture some meaningful economic rewards.

That said, if you opt to open a credit card, make sure to shop around. To home in on the optimal card issuer and card, compare interest rates, cardholder fees, welcome bonuses, cash rewards and other perks. Wells Fargo is a top-notch issuer of credit cards, but it is not the right issuer for all consumers.