alemdohorizonte

i have this card. eventhough my double points for t&e expenses expired after 1 year and now i'm back to the regular 1:1 level, i find the card truly exceptional when compared with all of my other premium cards. if you travel internationally, i cannot recommend this card highly enough. 0% forex and the rate they use when calculating exchanges seems always to be better than oanda's interbank rate (i also have the citi chairman amex and eventhough it's 0% forex, citi seems to always use a less favorable exchange rate than wf). also, wells fargo have never blocked my card when travelling, even when i go through multiple countries in africa and asia in rapid succession.

i have never used the concierge and have only redeemed my points for cash which was simple and easy. the service level of their call center is peerless.

while it does have a fee (they can waive it), and it does not come with lounge access or ff/hotel status that centurion comes with, the bottom line is that it is my fav credit card. it saves me considerable money on forex, has a decent rewards program, has exceptional service and is the most reliable card in my wallet.

if your branch mgr can get you one, my advice is to grab it.

pm me if you would like any other specifics.

oh, one other thing. they have weird promotions they can add to your account. when i called last month the rep told me he could put a promotion on my account of 0% interest for 12 month for all airline tickets i purchased. as i pif each month, this wasn't of interest to me but it's obvious how you could leverage this to your advantage if you travel frequently and are reimbursed by your business for the airline tickets you purchase.