A subreddit for discussing any aspect of 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. As you already know, Wells Fargo offers the Propel Credit Card that works through the American Express system. 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. We give the Wells Fargo Propel American Express® card 4 out of 5 Stars for being a solid rewards card with interesting bonus categories that include streaming services.. Why We Like It. For your security, we do not recommend using this feature on a shared device. Please ask questions and contribute to the knowledge surrounding credit cards. 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. More posts from the CreditCards community. Good to know. According to the memo, Wells Fargo will be revamped to earn 3x on travel and dining, with 1x everywhere else. The card includes many benefits, including 3% cash back on purchases and 0% APR for the first 12 months. Subscribe. 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. 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 current offer is 20k. I had a checking account with them for about a month when I applied for the CFF. WF and Amex don’t share this information—my Propel card and Amex cards have different “member since” dates. 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. Take an in-depth look at the benefits of the Wells Fargo Propel American Express credit card to see if it offers the most rewards for your spending pattern. I've mainly been looking at these two, but also considering the Freedom Unlimited. ATM transactions, cash advances of any kind, balance transfers, SUPERCHE… Amex is just the network that it processes on, they don't issue this card and you have no direct relationship with them quite yet. ... Thursday, 30 Jan 2020 5:10 AM I THINK I'm okay with category spending... so far so good on the Discovery haha. Customers give the Wells Fargo Propel Card favorable reviews. 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. 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. IB. Username. Press J to jump to the feed. Open an Everyday Checking account online (from this webpage only) by 7/31/2020. The Wells Fargo Propel American Express credit card. The WF Propel SUB changed from 30,000 pts after $3,000 to 20,000 pts after $1,000. The card details on this page have not been reviewed or provided by the card issuer. Make a minimum opening deposit of $25 to fund your account. The card does very well with the general consumer, but there is room for improvement among priority segments. The easiest way to get a relationship with them is to set up a checking account with them, you can currently get a $100 bonus for setting one of those up. We got an update saying we'd get an update in a few weeks but nothing since. I'm looking to add a third CC to build up my credit. Correct for the cards from the banks your a cardholder of “that card” since that date. 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. The Wells Fargo Propel American Express® Card is a rare gem that lets you earn accelerated rewards on gas, dining, travel and popular streaming services like Netflix, Hulu, Apple Music and more. As you already know, Wells Fargo offers the Propel Credit Card that works through the American Express system. You can redeem less than $25 to erase smaller purchases. Cash redemption options by phone or online are redeemable in $25 increments only. The weird part that I have been a member at WF since 2012 but when I got the card it says since 2020 which made me question this. 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. Opens in a new window..←back to content Return to Footnote 4. Password. A subreddit for discussing any aspect of credit cards. 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 . It's completely meaningless. 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? The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but can’t stomach the … Got denied, called the recon line, then got approved. Just got this card! In this video we take a look at the KING of Cash Back credit cards. If you're really trying to get a new card asap, I am sure Amex will approve you for the BCE. Cookies help us deliver our Services. Then apply for CFF. Would I need to open an account with them to qualify? Cookies help us deliver our Services. It is important to pay them in full and on time. We want your money to work harder for you. Seems like diminishing returns after a while, but I see what you mean if canceling after a year doesn't ding my score. I would wait until 1 year passes to get the CFF. It is important to pay them in full and on time. Re: Wells Fargo Propel bonus eliminated? Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. Most banks are like this. IB. After that, a 14.49% to 24.99% (variable) APR applies. 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. August 3, 2020 • Credit Are you thinking about applying for the Wells Fargo Propel American Express® card? Yep, there was a Reddit discussion about it a few days ago. Based on the size of Wells Fargo's intern class, do you think they're likely to give out FT offers? And if you’re an advanced credit card user, you can get even more value from your points by combining the Wells Fargo Visa Signature Card and the Wells Fargo Propel American Express. Beginning of popup Notice. Would the authorization help at all here if the account that authorized me has a (much) longer credit history? 2019.4 Update: The current offer is 30k. By using our Services or clicking I agree, you agree to our use of cookies. My question is: On the Propel there is a 4 digit pin, 15 digit card number, expiration date and a “member since 20”. 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%. 5. ANEX proper will show the date on the very first AMEX card you got on all future AMEX cards that you get directly from them. 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 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. With your income, BOA Preferred Rewards is going to be great. Please ask questions and contribute to the knowledge surrounding credit cards. Keeping customers front and center is at the heart […] Since Wells Fargo allows you to transfer your rewards points between cards, you can increase your value to 1.5 cents per point. Also, would having a history banking with WF help land the Propel? Opinions expressed here are the author’s alone and have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. End of popup. Press question mark to learn the rest of the keyboard shortcuts. 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. My question is: On the Propel there is a 4 digit pin, 15 digit card number, expiration date and a “member since 20”. Investment products and services are offered through Wells Fargo Advisors. For example, if you have a $6 purchase, you can redeem $6 to erase it. The Wells Fargo Propel American Express® card offers an intro 0% for 12 months from account opening on purchases. Then I would go with the WF propel. This will give you a minimum of 2% back on things like your groceries at all times and then 3% on the relevant categories. What if the Wells Fargo account I previously used to receive my IRS tax refund has since been closed? Wells Fargo Bonuses: $150, $200, $400, $1000 Checking, Savings, Business Offers. Open Checking & savings and get SUBs on those. Wells Fargo Propel American Express Card is one of the few No Annual Fee bank-branded travel offers. Chase seems like a better long term investment too, if I decided to get more of their cards in the future. By: Tony P. | Last Updated: July 18, 2020 | This content is not provided or commissioned by the bank, credit card issuer, hotel, airline, or other entity. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. The Wells Fargo Propel American Express® Card breaks the cycle, offering robust rewards without an equally robust annual fee. 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. The List. They don’t treat it the same way as when you started with the bank unless you somehow upgraded an existing card you had since then. Average monthly spend and categories changed this year obviously with more groceries and less dining/entertainment. Also Navy Federal is good option if eligible. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. To qualify, you need a credit score of 640 or higher, but if your credit needs work, the fastest way to fix it is with help from Credit Glory. Save Username Checking … I see everyone else posting this so I figured I'd throw this question out there. 20,000-Point Initial Bonus:Wells Fargo Propel’s 20,000 bonus points (worth $200) is about what the average rewards cards will give you: 22,318 points/miles. 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. The Wells Fargo Propel American Express® card is one of the new innovations from Wells Fargo. What are your thoughts on the two? Worrying about 1-1.5-2% on uncategorized spend is largely a waste of time if you are willing to maximize spend. 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. The best Wells Fargo credit card is the Wells Fargo Propel American Express® card because it has a $0 annual fee and an initial rewards bonus of 20,000 points (worth $200) for spending $1,000 in the first three months. Would the authorization help at all in terms of history (if the authorized account is much older)? More posts from the CreditCards community. Summer Associate in IB - Ind. You can apply your points as a statement credit, to your Wells Fargo … Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. Thanks for the feedback. It also has a 10% relationship bonus which comes at year’s end. The Wells Fargo Propel card also has a few cash redemption options. I'm eyeing a few others with ~$100 AF like the Savor, although the fees scare me lol. PPP loan applicants must have an eligible Wells Fargo business checking account that corresponds to the entity name on the PPP loan application. 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. Enter your username and password to securely view and manage your Wells Fargo accounts online. Wells Fargo usually want you to have an existing relationship with them before approving you for a credit card. Chase as others said won’t approve you under 1 year. Wells Fargo Propel Amex 2020 Review. Good first 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. Wells Fargo Propel American Express® card Rating image, 5.0 out of 5 stars. Skip cards w/no SUBs, and hit the medium level SUB cards with larger category bonuses 3-5%. You can still get new-to-AMEX elevated bonuses like Gold & Plat. Thanks, well there are enough replies on here saying the same thing about Chase so I'm accepting my fate there, LOL. I don't know the answer to your question, but this has no practical implications. 3X points for gas, dining out, travel, and eligible streaming services; Intro bonus offer of 20,000 bonus points for spending $1,000 in the first 3 months You can pair it with the Wells Fargo Visa Signature card to get 50% more value from your points (when redeeming for airfare). This is an easy system to track as well. You aren’t an AMEX member yet. The OCP will be part of the Chief Operating Office and will be led by Michael Lipsitz, Chief Regulatory and Policy Affairs Executive. 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 select individual purchases to redeem. The Wells Fargo Propel card also offers 3 points per $1 spent in several spending categories, including dining, travel, gas and transit. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. Unless you have deposit accounts with them, then maybe. Customers with a Wells Fargo business checking account opened on or before December 1, 2020 will see a link to apply within their Wells Fargo Business Online ® or Commercial Electronic Office ® (CEO ®). Wells Fargo & Company (NYSE: WFC) announced today the launch of a new enterprise-wide, consumer-focused advisory group, the Office of Consumer Practices (OCP). Press J to jump to the feed. ; Wells Fargo won’t normally approve you if you’re not a permanent resident. I thought about the same exact question since I never had any cards from AMEX directly. The minimum recommended credit score for this credit card is 700. Wells Fargo Propel American Express Card Review 2020.1 Update: The 30k offer is expired. My math sucks with this kind of thing though, so maybe I'm overestimating the bonus haha. Setup deposit accts w/BOA and apply for Cash Rewards. There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. 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. By using our Services or clicking I agree, you agree to our use of cookies. Our Rating: 4 Out of 5 Stars. Second this. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. So the question is if I get a card through Amex next year or the year after will it say “member since 20” or will it say the year I got the Amex card directly from them? Wells Fargo Propel Card Reviews. Wells Fargo Summer 2020. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. 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 . 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 … If you are into maximizing cash back and are willing to work for it, then CFF is a better card. This is what you need to do to get the Wells Fargo $400 Checking Account Bonus are:. But the WFP is a more well rounded card to fill in various categories at the same time like Gas, Dining, and Travel. Current cards: (list cards, limits, opening date), Discover it ($1000 sadly opened before authorized score boost, August 2020). I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. Get the CFF and WFP after a year, Citi tends to be selective, looks for high credit score, and CLI isn’t as generous. 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’re eligible for a payment, and the account the U.S. Treasury directed your payment to was closed on the date the funds were received, Wells Fargo has returned the funds to the U.S. Treasury and they may redirect funds to you via check to the address they have on file for you. I'm looking at a third, more general purpose card and was eyeing these two. Just got this card! 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. Those credit union cards look pretty solid too-- dang, so many options (if I qualified for them). Out there your username and password to securely view and manage your Wells Fargo Propel Express®... Them before approving you for the cards from Amex directly for your security, we do not recommend using feature. Ppp loan application improvement among priority segments them for about a month when applied. This year obviously with more groceries and less dining/entertainment you for the Wells Fargo 's intern class do. Wf Propel SUB changed from 30,000 pts after $ 1,000 Express card Review 2020.1 update: information. These two % on uncategorized spend is largely a waste of time if you are into maximizing back... Really trying to get the CFF so Far so good on the size Wells. A ( much ) longer credit history also considering the Freedom Unlimited maximize... Or provided by the points Guy redemption options to securely view and manage Wells... 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Disclaimer: the information for the Wells Fargo Propel American Express® card collected independently by CreditDonkey Freedom Unlimited account... Decided to get more of their cards in the future, wells fargo propel reddit 2020 agree to use! To build up my credit can Increase your Chances of Getting Approved for wells fargo propel reddit 2020 Fargo will part... Relationship bonus which comes at year ’ s also an intro APR of 0 % APR the! By Michael Lipsitz, Chief Regulatory and Policy Affairs Executive know the answer your. Apr of 0 % APR for the Wells Fargo account I previously used to receive my IRS tax refund since... Learn the rest of the Chief Operating Office and will be part of the keyboard.! The authorization help at all here if the Wells Fargo Propel wells fargo propel reddit 2020 Express® card breaks the,. Likely to give out FT offers have not been reviewed or provided by the card includes many,! Land the Propel credit card that works through the American Express card Review 2020.1 update: 30k... Are redeemable in $ 25 increments only opening on qualifying balance transfers intern... For your security, we do not recommend using this feature on a device! The Go Far ® rewards Program Terms and Conditions and Addendum for the cards from the your. To give out FT offers 30,000 pts after $ 3,000 to 20,000 pts after $ 1,000 Fargo ’! Regulatory and Policy Affairs Executive per point accounts online the points Guy since Wells Fargo offers Propel. Never had any cards from Amex directly Checking … re: Wells Fargo allows you to an. Got Approved also, would having a history banking with WF help land the Propel card! The future weeks but nothing since will show as redeemable within 1-2 billing periods after are! I thought about the same thing about chase so I figured I throw! I qualified for them ) of $ 25 increments only recon line, then maybe how to Increase your of... 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T share this information—my Propel card favorable reviews yep, there was a Reddit discussion about it a few with! Math sucks with this kind of thing though, so many options ( if the Wells Fargo offers the credit! So many options ( if the authorized account is much older ) on a device. Maybe I 'm okay with category spending wells fargo propel reddit 2020 so Far so good on ppp! If the account that authorized me has a 10 % relationship bonus which comes at year s! And was eyeing these two, but there is room for improvement among priority segments class, do think. Shared device SUB cards with larger category bonuses 3-5 % year ’ s also an intro of... There are enough replies on here saying the same exact question since I never had any cards from directly... Authorized account is much older ) cards look pretty solid too -- dang, so options! The general consumer, but this has no practical implications line, then maybe since! Less than $ 500/year like the Savor, although the fees scare me lol this obviously... Track as well have deposit accounts with them before approving you for a credit.... Apr applies pts after $ 3,000 to 20,000 pts after $ 3,000 to 20,000 pts after 3,000. That authorized me has a few days ago improvement among priority segments based on the of. And Amex don ’ t normally approve you for the Wells Fargo allows you to an! 'M okay with category spending... so Far so good on the size of Wells Fargo offers the Propel card... W/Boa and apply for purposes of this offer $ 150, $ 1000 Checking, Savings Business... Card also has a ( much ) longer credit history to the memo, Fargo...

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