The Wells Fargo Platinum card is what I would consider my "everyday card." I was offered the application for the card a few months after I started making my mortgage payments to Wells Fargo. Their introductory offer was a zero percent annual percentage rate for the first twelve months. Then it would be assigned between 9.9 percent and 17.9 percent following the introductory year. Also, which was the big bonus for me, Wells Fargo was offering a one percent return on all purchases, with a bonus three percent on groceries, gas, restaurants, and travel. Then to top it all off, the rewards would be directly applied to my mortgage principal amount. I thought this was a fantastic idea and jumped at the offer. Once I received the card I put that baby to use! I used it as my everyday card, using it for all purchases, great and small, then just paid off the current outstanding balance every pay period I had. In less than a years time, I've had a few hundred dollars knocked off of the principal balance of my mortgage, and that's been great! So far with the card, I've yet to have any major issues. The one problem I have noticed though, is because my main bank account isn't with Wells Fargo, when I do make payments to the credit card via an online account transfer, it usually takes five to six days to process. And when using it as the everyday card, that can put a damper on my shopping/spending habits. But overall, I think it's a really great card.