This credit card is great for a first time credit card applicant-ideally it is targeted for college students. It allows low monthly minimum balance and a grace period for late payments which is perfect for people like me who are just busy and forget. I love that it gives you a set limit that you can't go over, that way it keeps you from going to far into debt. They are flexible though and I have changed my limit three times now as my needs have changed. They offered me constant reminders of my credit limit so I don't go overboard and it has low interest fees. I am not impressed with the rewards though, and from other experience with a Discover card I have found that I like the Discover cashback bonus rewards program better because you can get gift cards for cheaper and use your money wisely. Otherwise I have no complaints, Wells Fargo provides an all around good credit card for someone like me just starting out to build some credit.