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. You can select individual purchases to redeem. While the bonus isn't amazing owning a no annual fee wells Fargo card is a must for the cell phone insurance. Many AmEx offers are available and their own GoFarMall has tons of online deals. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. Press J to jump to the feed. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Most credit card offers require very good credit. My math sucks with this kind of thing though, so maybe I'm overestimating the bonus haha. But the WFP is a more well rounded card to fill in various categories at the same time like Gas, Dining, and Travel. Or, even if you have high enough credit scores, you might not be accepted. 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. 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. For your security, we do not recommend using this feature on a shared device. End of popup. With your income, BOA Preferred Rewards is going to be great. Also, would having a history banking with WF help land the Propel? 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. Log In Sign Up. I'm looking to add a third CC to build up my credit. 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. Then apply for CFF. 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. There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. If you're really trying to get a new card asap, I am sure Amex will approve you for the BCE. We want your money to work harder for you. User account menu. Current cards: (list cards, limits, opening date), Discover it ($1000 sadly opened before authorized score boost, August 2020). Got denied, called the recon line, then got approved. I'm 27 and only have had credit for 1 year and 5 months. Thanks, well there are enough replies on here saying the same thing about Chase so I'm accepting my fate there, LOL. Save Username Checking this option will open a popup after 2 second. 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. Wells Fargo Propel. 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). 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. Pay your cell phone bill with the card and you get $600 cell phone insurance with a $25 deductible. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. 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. If the survey is a reflection of their plans, they plan to keep the 3x gas, but also add 3x … Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. A subreddit for discussing any aspect of credit cards. All Wells Fargo credit cards have $500 in phone insurance included too. Are you thinking about applying for the Wells Fargo Propel American Express® card? At first I wanted a general cashback with a flat rate to complement, but I think I'm open to a second category card. Press question mark to learn the rest of the keyboard shortcuts. The final leg on my journey was to call Wells Fargo (they don’t accept requests for higher credit limits online). ... help Reddit App Reddit coins Reddit premium Reddit … However, you could still be approved even if you have lower credit scores than what are recommended. Just applied for the card a few months ago and like it so far. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. It is important to pay them in full and on time. 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. Wells Fargo. 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. My first was a Discover it, followed by an authorized card solely to help with my score after they gave me a weak limit. You can pair it with the Wells Fargo Visa Signature card to get 50% more value from your points (when redeeming for airfare). Please ask questions and contribute to the knowledge surrounding credit cards. I'm eyeing a few others with ~$100 AF like the Savor, although the fees scare me lol. 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. The card details on this page have not been reviewed or provided by the card issuer. Please ask questions and contribute to the knowledge surrounding credit cards. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. Which is why our ratings are … 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. 10. Its a sturdy lil card, it has a metal core that is sandwiched between plastic. Seems like diminishing returns after a while, but I see what you mean if canceling after a year doesn't ding my score. Thanks for the feedback. 5. 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. You should be approved with a score like that. Getting approved for a credit card requires a little planning. I had a checking account with them for about a month when I applied for the CFF. After that, a 14.49% to 24.99% (variable) APR applies. It also has a 10% relationship bonus which comes at year’s end. 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. Enter your username and password to securely view and manage your Wells Fargo accounts online. 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. Good to know. 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 Navy Federal is good option if eligible. I would wait until 1 year passes to get the CFF. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. The Wells Fargo Propel American Express® card offers an intro 0% for 12 months from account opening on purchases. Press J to jump to the feed. 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. Chase as others said won’t approve you under 1 year. For example, if you have a $6 purchase, you can redeem $6 to erase it. Borzillo pleaded guilty on Nov. 17, 2015 to committing bank fraud. More posts from the CreditCards community. I again asked to double my credit line (from $7,500 to $15,000). ATM transactions, cash advances of any k… 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? 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. 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. Wells Fargo Bank, N.A will charge the flat fee and any additional fees to Your Wells Fargo Propel American Express Card. Average monthly spend and categories changed this year obviously with more groceries and less dining/entertainment. According to court documents, the defendant was a senior attorney at the Federal Deposit Insurance Corporation (FDIC) until September 2014. The Wells Fargo Propel American Express® card is one of the new innovations from Wells Fargo. It is important to pay them in full and on time. Cardholders earn 1 point per dollar on other purchases. Chase seems like a better long term investment too, if I decided to get more of their cards in the future. 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. Beginning of popup Notice. 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. Investment products and services are offered through Wells Fargo Advisors. 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 . 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. If you spend a lot on the rewards categories, it won’t take long to rack up points with this card. 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. The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. Wells Fargo Propel Approval! By using our Services or clicking I agree, you agree to our use of cookies. This will give you a minimum of 2% back on things like your groceries at all times and then 3% on the relevant categories. 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. According to the memo, Wells Fargo will be revamped to earn 3x on travel and dining, with 1x everywhere else. Wanted to share my credit experience to date and my dismay at my first disapproval. 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. In 2007, she purchased a home in Nokesville for $850,000, with mortgages totaling $807,500 from Wells Fargo Bank. 1.5 cents per point if you have the Wells Fargo Visa Signature and redeem for airfare. This is an easy system to track as well. Even making payments is handled differently than my other cards as I like to make small payments, often. What are your thoughts on the two? Good first card. Cash redemption options by phone or online are redeemable in $25 increments only. 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). Password. 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 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 … 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. Username. Would the authorization help at all here if the account that authorized me has a (much) longer credit history? Cookies help us deliver our Services. Would I need to open an account with them to qualify? The representative asked for my annual income, my monthly mortgage payment and my desired credit limit. 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. 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. Skip cards w/no SUBs, and hit the medium level SUB cards with larger category bonuses 3-5%. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. Would the authorization help at all in terms of history (if the authorized account is much older)? 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. Open Checking & savings and get SUBs on those. Press J to jump to the feed. Wells Fargo Propel American Express ® Card Terms and Conditions. All things considered: 10/10 would recommend. Those credit union cards look pretty solid too-- dang, so many options (if I qualified for them). I didn’t have any relationship with WF when I got approved. Is a relationship necessary to be approved? Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. It's a great daily card. 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. Like a bank account? Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side is … If you are into maximizing cash back and are willing to work for it, then CFF is a better card. The Wells Fargo Propel is designed for people with good credit. 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. 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. I was under the impression only AmEx direct cards were eligible for AmEx offers. Second this. 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? Bringing over 20 years of experience, Roderick joined Bank of America Merrill Lynch in 2018. 3x on several categories; travel, dining, gas, streaming... Easy to redeem rewards. The minimum recommended credit score for this credit card is 700. 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. Opens in a new window..←back to content Return to Footnote 4. A subreddit for discussing any aspect of credit cards. Then I would go with the WF propel. 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. Get the CFF and WFP after a year, Citi tends to be selective, looks for high credit score, and CLI isn’t as generous. 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 - … After that, a 14.49% to 24.99% (variable) APR applies. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. You can redeem less than $25 to erase smaller purchases. 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. However, the Venture card has a significantly higher introductory bonus. Press question mark to learn the rest of the keyboard shortcuts. I'm looking at a third, more general purpose card and was eyeing these two. I've mainly been looking at these two, but also considering the Freedom Unlimited. If you want a flat rate card, CFU at 1.5% trumps any 2% w/no SUB, but look at Fidelity and SDFCU. Setup deposit accts w/BOA and apply for Cash Rewards. 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. I THINK I'm okay with category spending... so far so good on the Discovery haha. 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. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? Press question mark to learn the rest of the keyboard shortcuts. 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%. 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. The Wells Fargo Propel American Express® Card breaks the cycle, offering robust rewards without an equally robust annual fee.