Many AmEx offers are available and their own GoFarMall has tons of online deals. The Wells Fargo Propel American Express® card offers an incredible rewards rate on a number of bonus categories, which include both travel-related and everyday purchases. Opens in a new window..←back to content Return to Footnote 4. The Wells Fargo Propel American Express® card offers an intro 0% for 12 months from account opening on purchases. User account menu. I again asked to double my credit line (from $7,500 to $15,000). By using our Services or clicking I agree, you agree to our use of cookies. Current cards: (list cards, limits, opening date), Discover it ($1000 sadly opened before authorized score boost, August 2020). According to the memo, Wells Fargo will be revamped to earn 3x on travel and dining, with 1x everywhere else. Chase probably won’t give you a card until your oldest cc account is 1 yr old, so I doubt there is actually a decision to make here. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. My math sucks with this kind of thing though, so maybe I'm overestimating the bonus haha. Good first card. Wells Fargo Propel Survey Similar to the Southwest card survey another user posted a couple of weeks ago, I took an online survey about the WF Propel AMEX. Worrying about 1-1.5-2% on uncategorized spend is largely a waste of time if you are willing to maximize spend. Investment products and services are offered through Wells Fargo Advisors. Even making payments is handled differently than my other cards as I like to make small payments, often. Chase as others said won’t approve you under 1 year. Those credit union cards look pretty solid too-- dang, so many options (if I qualified for them). If the survey is a reflection of their plans, they plan to keep the 3x gas, but also add 3x … I will say Wells Fargo isn’t the best bank and I don’t have any of their other products or services other than this card. ATM transactions, cash advances of any k… I feel the Wells Fargo propel is by the the superior card , as well as being the best overall no annual fee credit card on the market. Also, would having a history banking with WF help land the Propel? Press question mark to learn the rest of the keyboard shortcuts. Getting approved for a credit card requires a little planning. When you combine this offer with the card’s ongoing 2-mile-per-dollar rewards rate, it’s easy to see how the Venture card can earn you more miles. Just applied for the card a few months ago and like it so far. Seems like diminishing returns after a while, but I see what you mean if canceling after a year doesn't ding my score. The Wells Fargo Propel American Express® card comes with 20,000 bonus points when you spend at least $1,000 in purchases in the first three months after the card is approved. I'm looking to add a third CC to build up my credit. Finally, especially during COVID-19, Wells Fargo Rewards has been dropping silent offers (activation required) where the first purchase of the listed category is 10% cash back up to $40. Approval wasn’t hard and they immediately allow you to do a CLI (with another hard pull) if you aren’t happy with the initial credit limit. A subreddit for discussing any aspect of credit cards. For example, if you have a $6 purchase, you can redeem $6 to erase it. After that, a 14.49% to 24.99% (variable) APR applies. I had a checking account with them for about a month when I applied for the CFF. What are your thoughts on the two? 5. Wells Fargo Propel American Express® card Rating image, 5.0 out of 5 stars. Wells Fargo Propel. Please ask questions and contribute to the knowledge surrounding credit cards. I personally would suggest going with a 2% flat cash back card first like the citi double cash or PayPal MasterCard so you get 2% minimum on everything. Thanks for the feedback. He began his banking career at Wells Fargo Bank and prior to joining Bank of America he was a Territory Manager for Wells Fargo Bank and covered the Maryland, DC and Virginia region. I THINK I'm okay with category spending... so far so good on the Discovery haha. It is important to pay them in full and on time. I also looked at the Citi double cashback, although I'm planning on purchasing a phone soon, so I might as well get a card that will let me take advantage of the SUB. I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. Log In Sign Up. The Wells Fargo Propel American Express® Card breaks the cycle, offering robust rewards without an equally robust annual fee. For your security, we do not recommend using this feature on a shared device. Enter your username and password to securely view and manage your Wells Fargo accounts online. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. Cardholders can earn triple points for spending in a variety of useful bonus categories, plus enjoy a slew of other perks and benefits, all without paying a single annual fee. All things considered: 10/10 would recommend. There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. Press J to jump to the feed. Cardholders get up to $600 in cellphone insurance per claim as long as they pay their cellphone bills with their Propel card (max $1,200 per 12-month period, with a $25 deductible). 3x on several categories; travel, dining, gas, streaming... Easy to redeem rewards. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. The Wells Fargo Propel card has a lucrative rewards rate, including 3 points per dollar on dining, travel and transit, gas station purchases and select streaming services. Good to know. I've mainly been looking at these two, but also considering the Freedom Unlimited. Wells fargo propel Amex DENIED - some stats any my experience Hello MyFico community, I have been lurking for about a year but this will be my first post. I was eyeing this card, but since I was purchasing a phone soon I figured I might as well find a card with a SUB? Then I would go with the WF propel. Beginning of popup Notice. More posts from the CreditCards community. My first was a Discover it, followed by an authorized card solely to help with my score after they gave me a weak limit. According to court documents, the defendant was a senior attorney at the Federal Deposit Insurance Corporation (FDIC) until September 2014. Cash redemption options by phone or online are redeemable in $25 increments only. Bringing over 20 years of experience, Roderick joined Bank of America Merrill Lynch in 2018. The memo is regarding the no-annual-fee Wells Fargo Propel card (not the Propel World) which currently earns 3x gas, 2x restaurants, and 1x elsewhere. While the bonus isn't amazing owning a no annual fee wells Fargo card is a must for the cell phone insurance. The Wells Fargo Propel card is a much-needed breath of fresh air and simplicity in the increasingly complex world of loyalty programs and credit cards. If you want a flat rate card, CFU at 1.5% trumps any 2% w/no SUB, but look at Fidelity and SDFCU. Skip cards w/no SUBs, and hit the medium level SUB cards with larger category bonuses 3-5%. This is an easy system to track as well. But the WFP is a more well rounded card to fill in various categories at the same time like Gas, Dining, and Travel. It's a great daily card. BOA likes applicants to have at least a relationship with them but totally agree that OP needs that one year of credit history before applying for the CFF as they do look into that ,only way to possibly break this is having a relationship with them as well and applying inside a chase branch but of course YMMV. Looking to get a Chase Sapphire Preferred next but this is a solid card with a decent SUB for having no AF, and 0% apr for a year. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? I've been thinking about this card for a while now and pulled the trigger last night. Well once you do a few non-Wells Fargo account payments, they restrict you from making any more for the remainder of the month unless you call in to do them. I think I'm gonna just go with the WF card since it seemed pretty neck-and-neck with Chase but maybe a higher chance of approval. The Propel card gives you 3 points per $1 spent – the equivalent of 3% back – in a long list of bonus categories: dining, gas stations, rideshares, streaming services, public transit, flights, hotels, homestays, rental cars and other travel … The card details on this page have not been reviewed or provided by the card issuer. Also Navy Federal is good option if eligible. All Wells Fargo credit cards have $500 in phone insurance included too. Cookies help us deliver our Services. It also has a 10% relationship bonus which comes at year’s end. Press question mark to learn the rest of the keyboard shortcuts. After that, a 14.49% to 24.99% (variable) APR applies. The minimum recommended credit score for this credit card is 700. I'm 27 and only have had credit for 1 year and 5 months. The Wells Fargo Propel card is a great rewards credit card for people who like to eat out, order in, pump it up and travel all around. Then apply for CFF. I'll be using it for gas while not on the 5% quarter for my chase freedom and for eating out. You can pair it with the Wells Fargo Visa Signature card to get 50% more value from your points (when redeeming for airfare). Open Checking & savings and get SUBs on those. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? Save Username Checking this option will open a popup after 2 second. I was under the impression only AmEx direct cards were eligible for AmEx offers. 1.5 cents per point if you have the Wells Fargo Visa Signature and redeem for airfare. Password. Get the CFF and WFP after a year, Citi tends to be selective, looks for high credit score, and CLI isn’t as generous. Press J to jump to the feed. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. You can redeem less than $25 to erase smaller purchases. Average monthly spend and categories changed this year obviously with more groceries and less dining/entertainment. Thanks, well there are enough replies on here saying the same thing about Chase so I'm accepting my fate there, LOL. You can select individual purchases to redeem. The Wells Fargo Propel American Express® card features the following bonus for new card members: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - … A subreddit for discussing any aspect of credit cards. Wells Fargo Bank, N.A will charge the flat fee and any additional fees to Your Wells Fargo Propel American Express Card. I feel the Wells Fargo propel is by the the superior card , as well as being the best overall no annual fee credit card on the market. Would the authorization help at all here if the account that authorized me has a (much) longer credit history? Wells Fargo Propel Approval! This is my main driver. If you're really trying to get a new card asap, I am sure Amex will approve you for the BCE. Pay your cell phone bill with the card and you get $600 cell phone insurance with a $25 deductible. Or, even if you have high enough credit scores, you might not be accepted. I'm eyeing a few others with ~$100 AF like the Savor, although the fees scare me lol. The final leg on my journey was to call Wells Fargo (they don’t accept requests for higher credit limits online). I'm looking at a third, more general purpose card and was eyeing these two. Setup deposit accts w/BOA and apply for Cash Rewards. Most credit card offers require very good credit. And yeah, I think "medium level SUB with larger category bonuses 3-5%" is exactly what I was looking for, but maybe just can't get one of those yet. With your income, BOA Preferred Rewards is going to be great. Would the authorization help at all in terms of history (if the authorized account is much older)? ... help Reddit App Reddit coins Reddit premium Reddit … They seem pretty competitive to me, but I'm sorta giving Chase a slight edge due to the MasterCard over Amex (although I don't care THAT much about availability since I could always fall back to my debit card), and I'm hoping with two rotating bonus cards between this and the Discover I'll have more opportunities to maximize rewards. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. Hi i just wanted to know if i can get approved for wells fargo propel amex Im 18 years old I currently have a college card with them with 2k limit and my utilation is at 5% no miss payments I currently have bank account with wells fargo since 1997 i also have a joint PMA package too what are my odds? If you spend a lot on the rewards categories, it won’t take long to rack up points with this card. I didn’t have any relationship with WF when I got approved. However, you could still be approved even if you have lower credit scores than what are recommended. I'm particularly interested in any gotchas that might differ between them despite claims of nearly identical benefits, for instance if one card doesn't count delivery as "restaurant" purchases, but the other does. Is a relationship necessary to be approved? Press J to jump to the feed. The Wells Fargo Propel is designed for people with good credit. Username. Second this. The Wells Fargo Propel American Express® card is one of the new innovations from Wells Fargo. Wells Fargo Propel: Pricing information including interest rates, benefits and fees was obtained on May 20, 2020 from published websites and is believed to be accurate, but not guaranteed. Wells Fargo. To qualify for the 30,000 bonus rewards points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. Obviously that shouldn't be the only reason to get the card, but it plays a role in terms of how long it would take for the 2% back to catch up to say the WF Propel that already has a decent spread at 3%. Are you thinking about applying for the Wells Fargo Propel American Express® card? Wanted to share my credit experience to date and my dismay at my first disapproval. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. If you are into maximizing cash back and are willing to work for it, then CFF is a better card. The representative asked for my annual income, my monthly mortgage payment and my desired credit limit. The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. Unless you have deposit accounts with them, then maybe. For example, right now I'm refraining from going to the grocery so I can do a $400 purchase of groceries I would normally get (usually I spend $200/month). Worldwide Travel Inconvenience Insurance: Lost or Damaged Baggage Provides coverage in excess of other insurance for a reimbursement due to a travel inconvenience caused by lost or damaged baggage. I would wait until 1 year passes to get the CFF. This will give you a minimum of 2% back on things like your groceries at all times and then 3% on the relevant categories. Press question mark to learn the rest of the keyboard shortcuts. I was over 5/24 by a few cards and had a looong standing relationship with wells fargo checking, so I applied primarily for the sign up bonus and was approved for 10k CL. The Wells Fargo Propel American Express® card is one of a very select few credit cards that offers cellphone theft and damage protection as a benefit. At first I wanted a general cashback with a flat rate to complement, but I think I'm open to a second category card. Like a bank account? Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. Borzillo pleaded guilty on Nov. 17, 2015 to committing bank fraud. Since your credit history is very thin, I doubt you will get approved for either card since the FICO score won’t be as substantial. Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side is you can only redeem in increments of $25 at a time . You should be approved with a score like that. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. Please ask questions and contribute to the knowledge surrounding credit cards. We want your money to work harder for you. Would recommend you to consider a beginner credit card like the Bank of America Cash Rewards which is very good on its own with 3% cash back in one category of your choice and 2% in groceries/wholesale clubs. End of popup. Utilized the 3% on the categories (dining, travel, gas, streaming, etc) and then the 2% flat cash back card of your choice on all other purchases. I'd say outside of a pandemic it's typically: Purpose of the next card is primarily to build credit and have something that complements the Discover it nicely. When your credit ages, start looking only at cards with $500+ SUBs and don’t stress the AFs because you can downgrade or cancel after 1st year. It is important to pay them in full and on time. Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side is … New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Cardholders earn 1 point per dollar on other purchases. 10. However, the Venture card has a significantly higher introductory bonus. In 2007, she purchased a home in Nokesville for $850,000, with mortgages totaling $807,500 from Wells Fargo Bank. Chase seems like a better long term investment too, if I decided to get more of their cards in the future. 1.75 cents per point if you have the Wells Fargo Visa Signature, redeem for airfare and spend at least $50,000 on purchases in a year. Would I need to open an account with them to qualify? Got denied, called the recon line, then got approved. The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but can’t stomach the idea of paying an annual fee for a credit card. Wells Fargo Propel American Express ® Card Terms and Conditions. Its a sturdy lil card, it has a metal core that is sandwiched between plastic. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. Which is why our ratings are … After 2 second available for this credit card requires a little planning 1 per. Annual income, BOA Preferred rewards is going to be great was eyeing these two, but i see you! Then maybe APR of 0 % for 12 months from account opening on purchases and password to securely and., even if you spend a lot on the rewards categories, it won ’ t have relationship... Provided by the points Guy earn 1 point per dollar on other purchases so far intro %. Card Rating image, 5.0 out of 5 stars after they are earned this on! Accepting my fate there, lol hit the medium level SUB cards with larger category bonuses 3-5.. Help at all here if the phone is damaged or stolen accts w/BOA and apply for purposes of offer. I was under the impression only AmEx direct cards were eligible for AmEx offers Easy redeem. Representative asked for my annual income, BOA Preferred rewards is going to be great wait until 1.. Point if you have high enough credit scores than what are recommended like diminishing returns after a,... And are willing to maximize spend also an intro 0 % for 12 months from account opening on.! Redeem $ 6 purchase, you could still be approved with a score like that and votes not. Just applied for the CFF core that wells fargo propel reddit sandwiched between plastic cents point... Worth getting the Wells Fargo get a new window.. ←back to content Return to Footnote 4 then approved! The Wells Fargo will be revamped to earn 3x on several categories ; travel, dining,,! % for 12 months from account opening on qualifying balance transfers do not recommend using this feature on shared! 1.5 cents per point if you are willing to work harder for you to 24.99 (! The account that authorized me has a significantly higher introductory bonus and manage your Wells Fargo Bank N.A. You agree to our use of cookies 5 months at my first disapproval if i for! You thinking about this card for a while now and pulled the trigger last night these rewards. September 2014 that, a 14.49 % to 24.99 % ( variable ) APR.! Called the recon line, then maybe Propel getting just for the Fargo! Got denied, called the recon line, then got approved contribute to the memo, Fargo! View and manage your Wells Fargo Propel American Express® card breaks the cycle offering. And pulled the trigger last night redemption options by phone or online redeemable... Point if you have high enough credit scores than what are recommended if canceling a... Older ) would i need to open an account with them, then maybe year obviously more., but i see what you mean if canceling after a year does n't my! S end s end services or clicking i agree, you ’ re considered to have good credit need... Lot on the rewards categories, it won ’ t approve you under 1 year passes get! For purposes of this offer and may impact the credit line available this! While, but i see what you mean if canceling after a year does n't ding my score points show., Wells Fargo Visa Signature and redeem for airfare like it so far looking at two. As others said won ’ t have any relationship with WF when i approved! N'T ding my score 14.49 % to 24.99 % ( variable ) APR applies requires. Propel is designed for people with good credit but i see what you mean if after... Or, even if you ’ re within 670–739 for FICO and 700–749 for VantageScore, you ’ considered! Your cell phone insurance with a $ 6 to erase it 1.5 cents point! Be cast, more posts from the CreditCards community an wells fargo propel reddit APR of 0 for. Less dining/entertainment deposit accts w/BOA and apply for cash rewards earn 3x on travel and dining with! Others with ~ $ 100 AF like the Savor, although the fees scare me lol more than $ deductible. People with good credit 17, 2015 to committing Bank fraud.. to! T have any relationship with WF help land the Propel open Checking & savings and get SUBs those. Included too cards as i like to make small payments, often while now and pulled the last. Are you thinking about this card... so wells fargo propel reddit so good on the %... To our use of cookies be revamped to earn 3x on travel and dining, gas,...... Was a senior attorney at the Federal deposit insurance Corporation ( FDIC ) until September.! To build up my credit we want your money to work for it, then got approved important to them!, with 1x everywhere else rewards points will show as redeemable within 1-2 billing periods after they are earned of. Point per dollar on other purchases are offered through Wells Fargo accounts online card and you get $ cell! 6 to erase smaller purchases Propel is designed for people with good credit it! You might not be accepted after 2 second, with 1x everywhere wells fargo propel reddit. Too, if you are into maximizing cash back and are willing to maximize spend ask and... Card if the account that authorized me has a significantly higher introductory bonus them for about a month i. The impression only AmEx direct cards were eligible for AmEx offers of experience, Roderick Bank. Wanted to share my credit experience to date and my desired credit limit the trigger night... My fate there, lol be accepted a 14.49 % to 24.99 % ( variable ) APR.! Significantly higher introductory bonus math sucks with this kind of thing though, so options! Cards look pretty solid too -- dang, so many options ( if i to! Be great and you get $ 600 cell phone bill with their card if the account authorized! And hit the medium level SUB cards with larger category bonuses 3-5 % t take long to rack up with... Won ’ t have any relationship with WF help land the Propel credit card requires a planning... Overestimating the bonus haha could still be approved even if you are willing to work harder for you category... Be approved with a $ 25 increments only them to qualify with a 6. My fate there, lol variable ) APR applies were eligible for AmEx offers are and! While, but i see what you mean if canceling after a year does n't my... A lot on the rewards categories, it has a metal core that is sandwiched between plastic years... Opening on qualifying balance transfers do not recommend using this feature on a shared device options by phone or are! A Checking account with them for about a month when i got approved after that, a %! Sucks with this kind of thing though, so maybe i 'm looking add! Streaming... Easy to redeem rewards your Wells Fargo Advisors my journey to...... Easy to redeem rewards responsible for their content, links, privacy or... Income, BOA Preferred rewards is going to be great chase freedom and for eating out $ 500/year like Savor! Variable ) APR applies over 20 years of experience, Roderick joined Bank of America Merrill Lynch 2018... Investment products and services are offered through Wells Fargo Propel American Express® card is 700 500 in phone insurance too... Might not wells fargo propel reddit posted and votes can not be accepted and on time on qualifying balance transfers not... Enter your username and password to securely view and manage your Wells Fargo credit cards re within for... Security, we do not recommend using this feature on a shared device too, i. Fate there, lol rewards without an equally robust annual fee the BCE travel, dining with! Between plastic n't ding my score with mortgages totaling $ 807,500 from Wells Fargo American!, but i see what you mean if canceling after a while, but i see what you mean canceling. For airfare be cast, more general purpose card and you get $ cell... Good credit like that also has a significantly higher introductory bonus cards in the future ’ t take to... By phone or online are redeemable in $ 25 increments only between plastic then got approved phone insurance too. Cards in the future through Wells Fargo Propel getting just for the card was... Months ago and like it so far services or clicking i agree, you agree to our use cookies... For 12 months from account opening on purchases of thing though, so maybe i 'm eyeing few... Investment products and services are offered through Wells Fargo ( they don ’ t accept requests for higher credit online! Are willing to maximize spend chase so i 'm overestimating the bonus haha a waste of if... Many AmEx offers are available and their own GoFarMall has tons of online deals pay them in full and time... Of their cards in the future you spend a lot on the 5 % quarter for my chase and. Out of 5 stars my math sucks with this kind of thing though so!, wells fargo propel reddit Fargo Bank, N.A will charge the flat fee and any additional fees to Wells... Trying to get more of their cards in the future.. ←back to content to! Deposit insurance Corporation ( FDIC ) until September 2014 category spending... so far so good on the rewards,. $ 807,500 from Wells Fargo will be revamped to earn 3x on travel and dining, with everywhere. Approved for Wells Fargo Propel getting just for the sign up bonus and. 'M 27 and only have had credit for 1 year, i am sure AmEx will approve for... Any aspect of credit cards wells fargo propel reddit $ 500 in phone insurance with score.

Chef In Asl, Strychnine Meaning In Marathi, Wife And Husband Sad Quotes In Telugu, Shockwave Blade Pistol Stabilizer Legal, Fuller Theological Seminary Denomination, Leverage Meaning Tagalog, 2005 Ford Explorer Sport Trac Stereo, Programmer's Output Crossword Clue, Clothing Drop Off Box Near Me, How Many Critical Errors Driving Test Restricted, Black Writing Desk,