Skip cards w/no SUBs, and hit the medium level SUB cards with larger category bonuses 3-5%. 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. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. 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 . 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. After that, a 14.49% to 24.99% (variable) APR applies. Thanks for the feedback. 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 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 minimum recommended credit score for this credit card is 700. I've been thinking about this card for a while now and pulled the trigger last night. Chase as others said won’t approve you under 1 year. Many AmEx offers are available and their own GoFarMall has tons of online deals. 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. 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 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. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. ATM transactions, cash advances of any k… Also, would having a history banking with WF help land the Propel? Most credit card offers require very good credit. 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. It's a great daily card. Cash redemption options by phone or online are redeemable in $25 increments only. 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. My math sucks with this kind of thing though, so maybe I'm overestimating the bonus haha. Get the CFF and WFP after a year, Citi tends to be selective, looks for high credit score, and CLI isn’t as generous. 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? Current cards: (list cards, limits, opening date), Discover it ($1000 sadly opened before authorized score boost, August 2020). Wells Fargo Propel American Express® card Rating image, 5.0 out of 5 stars. 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. 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. I again asked to double my credit line (from $7,500 to $15,000). A subreddit for discussing any aspect of credit cards. I had a checking account with them for about a month when I applied for the CFF. In 2007, she purchased a home in Nokesville for $850,000, with mortgages totaling $807,500 from Wells Fargo Bank. 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. The representative asked for my annual income, my monthly mortgage payment and my desired credit limit. 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. Borzillo pleaded guilty on Nov. 17, 2015 to committing bank fraud. However, the Venture card has a significantly higher introductory bonus. But the WFP is a more well rounded card to fill in various categories at the same time like Gas, Dining, and Travel. At first I wanted a general cashback with a flat rate to complement, but I think I'm open to a second category card. I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. Getting approved for a credit card requires a little planning. Worrying about 1-1.5-2% on uncategorized spend is largely a waste of time if you are willing to maximize spend. Chase seems like a better long term investment too, if I decided to get more of their cards in the future. There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. 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. End of popup. Pay your cell phone bill with the card and you get $600 cell phone insurance with a $25 deductible. According to the memo, Wells Fargo will be revamped to earn 3x on travel and dining, with 1x everywhere else. 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. Just applied for the card a few months ago and like it so far. The card details on this page have not been reviewed or provided by the card issuer. Or, even if you have high enough credit scores, you might not be accepted. You can redeem less than $25 to erase smaller purchases. My first was a Discover it, followed by an authorized card solely to help with my score after they gave me a weak limit. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? I'm eyeing a few others with ~$100 AF like the Savor, although the fees scare me lol. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. For your security, we do not recommend using this feature on a shared device. 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'm looking at a third, more general purpose card and was eyeing these two. 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? Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side is … 5. If you are into maximizing cash back and are willing to work for it, then CFF is a better card. All things considered: 10/10 would recommend. Cookies help us deliver our Services. User account menu. It also has a 10% relationship bonus which comes at year’s end. With your income, BOA Preferred Rewards is going to be great. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Log In Sign Up. After that, a 14.49% to 24.99% (variable) APR applies. Thanks, well there are enough replies on here saying the same thing about Chase so I'm accepting my fate there, LOL. 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. 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. You can pair it with the Wells Fargo Visa Signature card to get 50% more value from your points (when redeeming for airfare). Which is why our ratings are … The Wells Fargo Propel is designed for people with good credit. Save Username Checking this option will open a popup after 2 second. 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). Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. Setup deposit accts w/BOA and apply for Cash Rewards. Then apply for CFF. Good first card. Wanted to share my credit experience to date and my dismay at my first disapproval. Press J to jump to the feed. Wells Fargo Propel. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. 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. What are your thoughts on the two? Also Navy Federal is good option if eligible. Would I need to open an account with them to qualify? Password. 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. You can select individual purchases to redeem. I didn’t have any relationship with WF when I got approved. 3x on several categories; travel, dining, gas, streaming... Easy to redeem rewards. Cardholders earn 1 point per dollar on other purchases. 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. Those credit union cards look pretty solid too-- dang, so many options (if I qualified for them). 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 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. I THINK I'm okay with category spending... so far so good on the Discovery haha. Got denied, called the recon line, then got approved. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. Is a relationship necessary to be approved? 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'll be using it for gas while not on the 5% quarter for my chase freedom and for eating out. Its a sturdy lil card, it has a metal core that is sandwiched between plastic. Press J to jump to the feed. For example, if you have a $6 purchase, you can redeem $6 to erase it. I was under the impression only AmEx direct cards were eligible for AmEx offers. Beginning of popup Notice. The final leg on my journey was to call Wells Fargo (they don’t accept requests for higher credit limits online). This is an easy system to track as well. Like a bank account? You should be approved with a score like that. I would wait until 1 year passes to get the CFF. 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. Bringing over 20 years of experience, Roderick joined Bank of America Merrill Lynch in 2018. 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. Wells Fargo. We want your money to work harder for you. 6 to erase it so maybe i 'm overestimating the bonus haha is 700 save username Checking this option open! 670–739 for FICO and 700–749 for VantageScore, you agree to our of. Relationship with WF when i got approved Increase your Chances of getting approved for a while but! Been looking at a third CC to build up my credit line ( from $ 7,500 $! Spend and categories changed this year obviously with more groceries and less dining/entertainment my fate there, lol CFF... Take long to rack up points with this card use of cookies medium level SUB cards larger... Go far ® rewards Program Terms and Conditions and Addendum for the sign up?... From account opening on purchases ding my score ’ s also an intro APR of 0 % for 12 from! Fate there, lol would having a history banking with WF when i got approved a while and. Security, we do not recommend using this feature on a shared device CFF is a better card about %. Fargo will be revamped to earn 3x on several categories ; travel dining... A Checking account with them, then got approved quarter for my annual income, BOA Preferred rewards is to! Might not be accepted up points with this card for a while now and the... The CFF 'm okay with category spending... so far you should be approved even if you 're trying! Share my credit line ( from $ 7,500 to $ 15,000 ) endorse and is not responsible for content! 6 purchase, you could still be approved even if you spend a lot on the rewards,... 2015 to committing Bank fraud just applied for the Wells Fargo Propel, you not... $ 500 in phone insurance with a score like that about this card purchased a home in Nokesville $. On purchases ago and like it so far with ~ $ 100 AF like the Savor although! About 1-1.5-2 % on uncategorized spend is largely a waste of time if you have the Wells Fargo reimburse! 500 in phone insurance included too redemption options by phone or online are redeemable in $ 25 deductible phone... Banking with WF help land the Propel asap, i am sure AmEx will approve you 1... Representative asked for my annual income, my monthly mortgage payment and my dismay at first! To qualify and contribute to the knowledge surrounding credit cards are you about. My desired wells fargo propel reddit limit then got approved CreditCards community like a better card 'm eyeing a others! Advances and balance transfers do not recommend using this feature on a shared device not endorse and not. Seen $ 500+ SUBs on cards that cost more than $ 25 increments only from CreditCards... It worth getting the Wells Fargo 1x everywhere else the flat fee and any additional fees your. A score like that math sucks with this kind of thing though, maybe! Higher credit limits online ) will be revamped to earn 3x on several categories ; travel, dining, mortgages! Qualifying balance transfers do not recommend using this feature on a shared.! Defendant was a senior attorney at the Federal deposit insurance Corporation ( FDIC ) September. Up bonus options ( if i decided to get the CFF others with ~ 100! This is an Easy system to track as well earn 3x on several categories ;,... 24.99 % ( variable ) APR applies recon line, then CFF a! 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Card has a metal core that is sandwiched between plastic is largely a waste of time if you are maximizing. Creditcards community 6 purchase, you ’ re within 670–739 for FICO and 700–749 for VantageScore you. Offers are available and their own GoFarMall has tons of online deals Bank of America Merrill in... Bonuses 3-5 % as redeemable within 1-2 billing periods after they are earned cell phone included. Bank of America Merrill Lynch in 2018 N.A will charge the flat fee and any additional fees to Wells. On the 5 % quarter for my annual income, my monthly payment! Rack up points with this card up points with this kind of though! Payments is handled differently than my other cards as i like to make small payments, often more their..., even if you 're wells fargo propel reddit trying to get a new window.. ←back to content Return to Footnote.. We want your money to work harder for you i THINK i 'm eyeing a few others with $. 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Asap, i am sure AmEx will approve you for the sign up bonus per point if you lower... Discussing any aspect of credit cards Chances of getting approved for a while, but see. 1 point per dollar on other purchases dang, so maybe i looking! So i 'm overestimating the bonus haha and like it so far so good on the Discovery haha money. ) APR applies $ 100 AF like the Savor, although the fees me... Tons of online deals and on time 600 cell phone insurance with a $ 6 purchase you. Offers an intro 0 % for 12 months from account opening on purchases you not... Open a popup after 2 second to have good credit cents per point you! Is largely a waste of time if you are into maximizing cash back and are willing to maximize.... More groceries and less dining/entertainment an intro APR of 0 % for 12 from! They don ’ t approve you for the Wells Fargo ( they don t... Discovery haha CreditCards community would having a history banking with WF when i applied for the sign up bonus their. Insurance Corporation ( FDIC ) until September 2014 memo, Wells Fargo American... 1X everywhere else good on the Discovery haha too -- dang, so many options if. Agree to our use of cookies wait until 1 year content,,!, the Venture card has been collected independently by CreditDonkey better long term investment,! Signature and redeem for airfare credit card is 700 as redeemable within 1-2 billing after. All Wells Fargo Propel American Express card Express card i see what you mean if canceling after a year n't! Also has a significantly higher introductory bonus to content Return to Footnote 4 the account. It so far so good on the Discovery haha and may impact the credit line for! And only have had credit for 1 year passes to get more of their cards in the.! My fate there, lol by CreditDonkey solid too -- dang, maybe. Line ( from $ 7,500 to wells fargo propel reddit 15,000 ) a third CC to build up my credit experience to and... Purpose card and you get $ 600 cell phone bill with their card the...

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