If you want a flat rate card, CFU at 1.5% trumps any 2% w/no SUB, but look at Fidelity and SDFCU. 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 … In 2007, she purchased a home in Nokesville for $850,000, with mortgages totaling $807,500 from Wells Fargo Bank. Or, even if you have high enough credit scores, you might not be accepted. Second this. If the survey is a reflection of their plans, they plan to keep the 3x gas, but also add 3x … Like a bank account? There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. However, the Venture card has a significantly higher introductory bonus. More posts from the CreditCards community. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? 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. Press question mark to learn the rest of the keyboard shortcuts. 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? Beginning of popup Notice. If you spend a lot on the rewards categories, it won’t take long to rack up points with this card. 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 representative asked for my annual income, my monthly mortgage payment and my desired credit limit. We want your money to work harder for you. End of popup. 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 you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. Press J to jump to the feed. Press J to jump to the feed. 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. Got denied, called the recon line, then got approved. Investment products and services are offered through Wells Fargo Advisors. 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. I've mainly been looking at these two, but also considering the Freedom Unlimited. My first was a Discover it, followed by an authorized card solely to help with my score after they gave me a weak limit. 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. By using our Services or clicking I agree, you agree to our use of cookies. Thanks, well there are enough replies on here saying the same thing about Chase so I'm accepting my fate there, LOL. Wells Fargo Propel American Express ® Card Terms and Conditions. I had a checking account with them for about a month when I applied for the CFF. Its a sturdy lil card, it has a metal core that is sandwiched between plastic. Cardholders earn 1 point per dollar on other purchases. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. 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. It is important to pay them in full and on time. 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. 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). All things considered: 10/10 would recommend. 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'm eyeing a few others with ~$100 AF like the Savor, although the fees scare me lol. Then apply for CFF. But the WFP is a more well rounded card to fill in various categories at the same time like Gas, Dining, and Travel. I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. Password. A subreddit for discussing any aspect of credit cards. I'm looking at a third, more general purpose card and was eyeing these two. A subreddit for discussing any aspect of credit cards. 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 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. 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. The Wells Fargo Propel American Express® card is one of the new innovations from Wells Fargo. Is a relationship necessary to be approved? Even making payments is handled differently than my other cards as I like to make small payments, often. 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%. Would the authorization help at all in terms of history (if the authorized account is much older)? Please ask questions and contribute to the knowledge surrounding credit cards. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. With your income, BOA Preferred Rewards is going to be great. Just applied for the card a few months ago and like it so far. Also Navy Federal is good option if eligible. This is my main driver. Setup deposit accts w/BOA and apply for Cash Rewards. While the bonus isn't amazing owning a no annual fee wells Fargo card is a must for the cell phone insurance. Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side is … Skip cards w/no SUBs, and hit the medium level SUB cards with larger category bonuses 3-5%. My math sucks with this kind of thing though, so maybe I'm overestimating the bonus haha. 3x on several categories; travel, dining, gas, streaming... Easy to redeem rewards. The final leg on my journey was to call Wells Fargo (they don’t accept requests for higher credit limits online). Most credit card offers require very good credit. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. 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 offers an incredible rewards rate on a number of bonus categories, which include both travel-related and everyday purchases. Worrying about 1-1.5-2% on uncategorized spend is largely a waste of time if you are willing to maximize spend. Get the CFF and WFP after a year, Citi tends to be selective, looks for high credit score, and CLI isn’t as generous. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. The Wells Fargo Propel American Express® Card breaks the cycle, offering robust rewards without an equally robust annual fee. 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. I'm 27 and only have had credit for 1 year and 5 months. Pay your cell phone bill with the card and you get $600 cell phone insurance with a $25 deductible. Current cards: (list cards, limits, opening date), Discover it ($1000 sadly opened before authorized score boost, August 2020). I've been thinking about this card for a while now and pulled the trigger last night. The Wells Fargo Propel is designed for people with good credit. This will give you a minimum of 2% back on things like your groceries at all times and then 3% on the relevant categories. The card details on this page have not been reviewed or provided by the card issuer. The Wells Fargo Propel American Express® card offers an intro 0% for 12 months from account opening on purchases. It's a great daily card. ATM transactions, cash advances of any k… 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. Press question mark to learn the rest of the keyboard shortcuts. I THINK I'm okay with category spending... so far so good on the Discovery haha. 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. Getting approved for a credit card requires a little planning. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? What are your thoughts on the two? 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. 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. Good to know. Wells Fargo Propel Approval! At first I wanted a general cashback with a flat rate to complement, but I think I'm open to a second category card. Username. You can pair it with the Wells Fargo Visa Signature card to get 50% more value from your points (when redeeming for airfare). 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. 5. Unless you have deposit accounts with them, then maybe. Then I would go with the WF propel. I'll be using it for gas while not on the 5% quarter for my chase freedom and for eating out. Which is why our ratings are … These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Wells Fargo. Please ask questions and contribute to the knowledge surrounding credit cards. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. According to court documents, the defendant was a senior attorney at the Federal Deposit Insurance Corporation (FDIC) until September 2014. Also, would having a history banking with WF help land the Propel? Cash redemption options by phone or online are redeemable in $25 increments only. 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. You can select individual purchases to redeem. 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. 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. Thanks for the feedback. You can redeem less than $25 to erase smaller purchases. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. It is important to pay them in full and on time. Borzillo pleaded guilty on Nov. 17, 2015 to committing bank fraud. 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. Chase as others said won’t approve you under 1 year. 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. Open Checking & savings and get SUBs on those. 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 card is a much-needed breath of fresh air and simplicity in the increasingly complex world of loyalty programs and credit cards. 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. 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. For example, if you have a $6 purchase, you can redeem $6 to erase it. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. 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. You should be approved with a score like that. Wells Fargo Propel American Express® card Rating image, 5.0 out of 5 stars. It also has a 10% relationship bonus which comes at year’s end. According to the memo, Wells Fargo will be revamped to earn 3x on travel and dining, with 1x everywhere else. 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. 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. ... 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. Wells Fargo Bank, N.A will charge the flat fee and any additional fees to Your Wells Fargo Propel American Express Card. For your security, we do not recommend using this feature on a shared device. 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? Get more of their cards in the future deposit insurance Corporation ( FDIC ) until September 2014 bonus.... Seen $ 500+ SUBs on those BOA Preferred rewards is going to be great after. 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