Right now chase is about the same as wellsfargo, chase charges you 12$ if you have a balance of less than 1500$. Wellsfargo waves the 12$ if you use your card 10 times in a month. I had Chase, and when my balance went below 1,500, they started charging me even if you add more balance they charged after your balance has gone below 1,500. Wellsfargo is not on the favorite list either but at least they wave the monthly fee if you use it 10 times.