I don't have Yu Gi Oh cards, never had them in fact or even watched the anime haha!
BUT I do have Naruto cards from the Naruto TCG and I loooooove them! I got into Naruto way after everyone (like, after the manga was finished), but I'll say it's never too late to start reading/watching Naruto!
The sad thing is that it gets harder to find stuff related to the franchise since the anime is finished too and the hype has died down. The good thing though is that since a lot of people don't care anymore, it can get easy to find secondhand stuff like games, cards, etc, for cheaper!