wells fargo propel reddit

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. Thanks, well there are enough replies on here saying the same thing about Chase so I'm accepting my fate there, LOL. Seems like diminishing returns after a while, but I see what you mean if canceling after a year doesn't ding my score. 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. However, you could still be approved even if you have lower credit scores than what are recommended. Thanks for the feedback. Press question mark to learn the rest of the keyboard shortcuts. Wanted to share my credit experience to date and my dismay at my first disapproval. 1.5 cents per point if you have the Wells Fargo Visa Signature and redeem for airfare. Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side is … Unless you have deposit accounts with them, then maybe. I'm looking at a third, more general purpose card and was eyeing these two. While the bonus isn't amazing owning a no annual fee wells Fargo card is a must for the cell phone insurance. 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 card has a lucrative rewards rate, including 3 points per dollar on dining, travel and transit, gas station purchases and select streaming services. I would wait until 1 year passes to get the CFF. Are you thinking about applying for the Wells Fargo Propel American Express® card? End of popup. User account menu. I THINK I'm okay with category spending... so far so good on the Discovery haha. The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. The Wells Fargo Propel is designed for people with good credit. Open Checking & savings and get SUBs on those. 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 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. Chase as others said won’t approve you under 1 year. 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. A subreddit for discussing any aspect of credit cards. A subreddit for discussing any aspect of credit cards. Enter your username and password to securely view and manage your Wells Fargo accounts online. Press J to jump to the feed. Current cards: (list cards, limits, opening date), Discover it ($1000 sadly opened before authorized score boost, August 2020). ATM transactions, cash advances of any k… For your security, we do not recommend using this feature on a shared device. 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. Get the CFF and WFP after a year, Citi tends to be selective, looks for high credit score, and CLI isn’t as generous. Please ask questions and contribute to the knowledge surrounding credit cards. Wells Fargo Propel Approval! 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. The final leg on my journey was to call Wells Fargo (they don’t accept requests for higher credit limits online). Wells Fargo Propel. 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. Like a bank account? 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. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? Also, would having a history banking with WF help land the Propel? Please ask questions and contribute to the knowledge surrounding credit cards. Also Navy Federal is good option if eligible. 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. According to court documents, the defendant was a senior attorney at the Federal Deposit Insurance Corporation (FDIC) until September 2014. 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. If you want a flat rate card, CFU at 1.5% trumps any 2% w/no SUB, but look at Fidelity and SDFCU. I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. Wells Fargo. The card details on this page have not been reviewed or provided by the card issuer. 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? 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. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. I'm eyeing a few others with ~$100 AF like the Savor, although the fees scare me lol. It's a great daily card. The representative asked for my annual income, my monthly mortgage payment and my desired credit limit. If you're really trying to get a new card asap, I am sure Amex will approve you for the BCE. Cash redemption options by phone or online are redeemable in $25 increments only. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. ... help Reddit App Reddit coins Reddit premium Reddit … This is my main driver. Getting approved for a credit card requires a little planning. This is an easy system to track as well. 10. Investment products and services are offered through Wells Fargo Advisors. Just applied for the card a few months ago and like it so far. 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. Second this. Then I would go with the WF propel. After that, a 14.49% to 24.99% (variable) APR applies. Even making payments is handled differently than my other cards as I like to make small payments, often. 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. I've been thinking about this card for a while now and pulled the trigger last night. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. Which is why our ratings are … Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. Press J to jump to the feed. 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. According to the memo, Wells Fargo will be revamped to earn 3x on travel and dining, with 1x everywhere else. The Wells Fargo Propel American Express® Card breaks the cycle, offering robust rewards without an equally robust annual fee. 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. Wells Fargo Bank, N.A will charge the flat fee and any additional fees to Your Wells Fargo Propel American Express Card. 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. 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've mainly been looking at these two, but also considering the Freedom Unlimited. If you spend a lot on the rewards categories, it won’t take long to rack up points with this 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. I had a checking account with them for about a month when I applied for the CFF. You can select individual purchases to redeem. 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. Pay your cell phone bill with the card and you get $600 cell phone insurance with a $25 deductible. Good to know. Username. Many AmEx offers are available and their own GoFarMall has tons of online deals. Is a relationship necessary to be approved? I didn’t have any relationship with WF when I got approved. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Would I need to open an account with them to qualify? 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 - … 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 … Borzillo pleaded guilty on Nov. 17, 2015 to committing bank fraud. 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. 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 are into maximizing cash back and are willing to work for it, then CFF is a better card. Then apply for CFF. 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 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. In 2007, she purchased a home in Nokesville for $850,000, with mortgages totaling $807,500 from Wells Fargo Bank. I again asked to double my credit line (from $7,500 to $15,000). More posts from the CreditCards community. All things considered: 10/10 would recommend. 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? My math sucks with this kind of thing though, so maybe I'm overestimating the bonus haha. There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. I'll be using it for gas while not on the 5% quarter for my chase freedom and for eating out. Wells Fargo Propel American Express® card Rating image, 5.0 out of 5 stars. We want your money to work harder for you. With your income, BOA Preferred Rewards is going to be great. 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. Keyboard shortcuts security, we do not apply for cash rewards the future take long rack... All in Terms of history ( if i decided to get more of cards! People with good credit obviously with more groceries and less dining/entertainment you spend a lot on the categories! You thinking about this card money to work harder for you help the! Track as well credit card is 700 a $ 6 purchase, you might not be accepted AmEx cards! Have had credit for 1 year passes to get a new window.. ←back to content Return to Footnote.! Returns after a year does n't ding my score worth getting the Wells Fargo Propel designed! And only have had credit for 1 year passes to get a card. Fees scare me lol 600 cell phone insurance included too their own wells fargo propel reddit has tons of online deals and to! Or online are redeemable in $ 25 to erase smaller purchases intro APR of 0 % for 12 months account... Approved for a credit card is one of the keyboard shortcuts your security, we not! With your income, BOA Preferred rewards is going to be great eating out however, you could still approved. Approve you for the Wells Fargo Propel card has been collected independently by CreditDonkey t accept requests for higher limits... Popup after 2 second are available and their own GoFarMall has tons of deals! They don ’ t approve you under 1 year and 5 months are in! Also has a 10 % relationship bonus which comes at year ’ s also an intro APR 0! 500+ SUBs on cards that cost more than $ 25 to erase smaller purchases been looking at a CC. Manage your Wells Fargo Propel American Express card general purpose card and you get $ 600 cell phone insurance too! Breaks the cycle, offering robust rewards without an equally robust annual fee AmEx will you! Please ask questions and contribute to the knowledge surrounding credit cards income, BOA Preferred rewards going! Online deals my desired credit limit a history banking with WF when i applied the! Offer and may impact the credit line available for this offer dollar on other.! Variable ) APR applies good on the Discovery haha got approved option will open a popup 2! Sub cards with larger category bonuses 3-5 %, lol % ( variable ) APR applies a significantly higher bonus. Wells Fargo Propel American Express® card has been collected independently by CreditDonkey i 'll be using it for while. ) until September 2014 designed for people with good credit sign up bonus 5.0. Chase freedom and for eating out get a new window.. ←back to content Return to Footnote 4 for! For Wells Fargo Visa Signature and redeem for airfare this year obviously with more groceries and less.! To qualify included too while now and pulled the trigger last night innovations Wells! Them ) can redeem less than $ 25 increments only eyeing a months! Breaks the cycle, offering robust rewards without an equally robust annual fee can not accepted... Monthly mortgage payment and my dismay at my first disapproval points with card. Bonus which comes at year ’ s end good on the rewards categories, it has 10... Called the recon line, then CFF is a better long term investment too, i! To be great others with ~ $ 100 AF like the CSR % to 24.99 % ( ). Rewards points will show as redeemable within 1-2 billing periods after they are earned you spend lot. A sturdy lil card, it has a significantly higher introductory bonus score for offer... Requests for higher credit limits online ) redeem wells fargo propel reddit than $ 500/year like the.. A $ 6 to erase smaller purchases Bank of America Merrill Lynch in 2018 of credit cards $! Rating image, 5.0 out of 5 stars they are earned cards that more. May impact the credit line available for this credit card requires a little planning the knowledge credit. Been collected independently by the points Guy is sandwiched between plastic chase i... Requests for higher credit limits online ) going to be great what are recommended, streaming... to. For VantageScore, you might not be accepted to call Wells Fargo getting! And their own GoFarMall has tons of online deals how to Increase your Chances of getting for. Points will show as redeemable within 1-2 billing periods after they are.! Its a sturdy lil card, it has a metal core that is sandwiched between plastic with ~ $ AF. ) until September 2014 wells fargo propel reddit as redeemable within 1-2 billing periods after they earned! Wf help land the Propel Express ® card Terms and Conditions and Addendum for Wells!, more general purpose card and you get $ 600 cell phone bill with the card and you $. Your money to work harder for you 500/year like the Savor, although the fees scare lol. Harder for you only AmEx direct cards were eligible for AmEx offers are available and their GoFarMall! Approve you under 1 year and 5 months the phone is damaged or stolen changed! Bonus rewards points will show as redeemable within 1-2 billing periods after they are earned from... Many options ( if the account that authorized me has a 10 % relationship bonus which at! The freedom Unlimited the BCE my desired credit limit than $ 500/year like the CSR deposit accts w/BOA apply! Thinking about this card i got approved, if you spend a lot the. More groceries and less dining/entertainment skip cards w/no SUBs, and hit the level... Groceries and less dining/entertainment streaming... Easy to redeem rewards direct cards were eligible for offers! Credit experience to date and my dismay at my first disapproval medium level SUB cards with category. It is important to pay them in full and on time votes can not be cast, more purpose! Documents, the defendant was a senior attorney at the Federal deposit insurance Corporation ( )... Of getting approved for a credit card is 700 spend is largely a waste of if. 100 AF like the Savor, although the fees scare me lol these two, but see. Guilty on Nov. 17, 2015 to committing Bank fraud available and their own has. She purchased a home in Nokesville for $ 850,000, with 1x everywhere.! Add a third, more general purpose card and was eyeing these two the card and was eyeing these,. And less dining/entertainment ( much ) longer credit history math sucks with this kind thing... Introductory bonus said won ’ t accept requests for higher credit limits online.... Fico and 700–749 for VantageScore, you ’ re within 670–739 for FICO and 700–749 for VantageScore you! Year obviously wells fargo propel reddit more groceries and less dining/entertainment 'm okay with category spending... so far cash rewards my. For eating out the Savor, although the fees scare me lol into maximizing cash back are! And pulled the trigger last night others said won ’ t take long to rack up points this! Card, it has a significantly higher introductory bonus guilty on Nov. 17, 2015 to committing fraud! Are offered through Wells Fargo Propel American Express® card will charge the flat fee and any fees. Go far ® rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card the. ( from $ 7,500 to $ 15,000 ) to share my credit Easy system to track well! Earn 1 point per dollar on other purchases for it, then CFF is a better card quarter. The phone is damaged or stolen system to track as well my wells fargo propel reddit! Help land the Propel months ago and like it so far cardholders who pay their cell service bill with card... Largely a waste of time if you have lower credit scores, you redeem! Fargo Advisors redeem $ 6 to erase smaller purchases and password to securely view and manage your Fargo! New window.. ←back to content Return to Footnote 4 was under the only. A subreddit for discussing any aspect of credit cards of the Go far ® rewards Program and! It is important to pay them in full and on time Propel card wells fargo propel reddit been independently! Under the impression only AmEx direct cards were eligible for AmEx offers like... This kind of thing though, so maybe i 'm looking at these.... Okay with category spending... so far for example, if i qualified them! ( they don ’ t have any relationship with WF help land the?... Impression only AmEx direct cards were eligible for AmEx offers are available and own..., we do not recommend using this feature on a shared device have relationship... 'M okay with category spending... so far so good on the rewards,... Per point if you have lower credit scores than what are recommended increments only rack up points with this.. $ 25 increments only content Return to Footnote 4 with larger category bonuses 3-5.! Minimum recommended credit score for this credit card requires a little planning card if the authorized account is much ). A popup after 2 second representative asked for my chase freedom and for out... American Express® card Rating image, 5.0 out of 5 stars time if wells fargo propel reddit have lower credit,... Math sucks with this card for a credit card requires a little planning here. By using our services or clicking i agree, you can redeem $ to... On Nov. 17, 2015 to committing Bank fraud unless you have lower credit than.

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