Customer service experience has been good so far. The 3x on transit I believe is one of the more underrated benefits pre-COVID. Wells Fargo determines your credit line on multiple factors, but the lowest credit line you can receive with this card is $1,500. Most credit card offers require very good credit. I looked at a lot of cards for my third cc and went with this one back in august. 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. To me it's an okay card for a very specific sort of user--either one who is interested heavily in travel, or one who values simplicity over optimization in terms of cash back. That’s a 76 percent increase, … Wells Fargo also makes transferring points from your Wells Fargo Propel card easy – including transfers to family and friends or other Wells Fargo credit cards. Best card on the market if you ask me, I’ve held the card for years , also I feel it’s better then some better cards that have annual fees. Important Credit Terms. More posts from the CreditCards community. Enter your username and password to securely view and manage your Wells Fargo accounts online. Wells Fargo Propel Approval! Do note it's for top services, not every little streaming service on the web. Absolutely love this card, just sad that my intro APR is ending soon. Opens in a new window. That is advantageous because with the Wells Fargo Visa Signature your points are worth 1.5 cents each (50% more) when you use them to book airfare through Wells Fargo. 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. It's pretty great. You should be approved with a score like that. ATM transactions, cash advances of any kind, balance transfers, SUPERCHE… Lucky you. I again asked to double my credit line (from $7,500 to $15,000). We may restrict the amount of your credit limit that can be used for Cash Advances. This is my main driver. How are they with dealing with fraud and etc? Wells Fargo Propel AMEX app submitted Friday, 27-Jul. 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. Getting approved for a credit card requires a little planning. It's a great daily card. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, … A subreddit for discussing any aspect of credit cards. How is the bank managing this card? 3x on several categories; travel, dining, gas, streaming... Easy to redeem rewards. Generally speaking, good credit means a credit score of 690 or better. I'll be using it for gas while not on the 5% quarter for my chase freedom and for … WF Deals also stack with the usual rewards benefits. Click here to sign on to your Wells Fargo account(s). In general, you’ll need at least … Disclaimer: The information for the Wells Fargo Propel … Wells Fargo Propel … Please ask questions and contribute to the knowledge surrounding credit cards. You promise to use your Account only to the limits. 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. Many Chase Freedom Unlimited users receive a credit limit of $1,000 - $3,000. I've been thinking about this card for a while now and pulled the trigger last night. The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. As with the rest of America's big banks, the reviews on Wells Fargo are mixed at best. Some delivery apps are becoming iffy, like Postmates no longer classifies under either restaurants or rideshares so do a test purchase to verify you get 3x when using your carrier of choice. Limits on withdrawing cash. 2. I also have the Barclays Apple rewards card (wouldn’t recommend just get the Apple credit … For a free card, it's hard to beat. It is important to pay them in full and on time. Wells Fargo Propel American Express ® Card Terms and Conditions. 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. 1. Can you tell me about the phone insurance? If you do not have a Wells Fargo Credit Card yet, you can request a balance transfer when you apply for a credit … Like a bank account? If you want to redeem your rewards for cash at a Wells Fargo ATM, you must have a Wells Fargo account, … Existing relationship with WF. No AF, cell phone insurance that has saved me multiple times, 3% back on gas, food, streaming, and travel. Never once had a problem with Wells Fargo. Just applied for the card a few months ago and like it so far. Status: pending - need to verify a few pieces of information before giving a credit decision. Current credit cards: (list cards, limits, opening date): Wells Fargo Student Card, $500, Mar 2019. 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 … These are things like "Spend $X at XYZ merchant, get $10 back" or "Go to ABC merchant online or in-person, get 10% back up to $x.xx cash back". 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). Learn more. Please ask questions and contribute to the knowledge surrounding credit cards. We may assign the following limits to your Account: Cash Advance Limit. While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. The new limit on my Wells Fargo Propel American Express® card is (drumroll, please) … $13,200. All things considered: 10/10 would recommend. Many AmEx offers are available and their own GoFarMall has tons of online deals. So far it’s been a great experience and I plan on getting their trifecta eventually. Then everything else goes on my Double Cash. As a non-traveling, cash back sort of user with heavy grocery spend, the benefits to me are the bonuses to streaming, dining, and transit. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. I have been with Wells Fargo for the past 5 years. There's a metagame in making the poor man's Chase Trifecta in order to get boosted travel redemption for no annual fee, which is nice for some. I think it's a good option for folks that want to get it and the Wells Fargo Visa Signature Card as well and use the points to book airline travel with the 50% points bonus. Your total credit limit will be provided with your Credit Card and shows on each of your billing statements. Gas for 2 cars, eating with the family, and streaming services for my girlfriend and son. Apple Card, $5000, Sept 2019. New Wells Fargo Propel American Express® card cardholders receive 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. All Wells Fargo credit cards have $500 in phone insurance included too. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. Compared to other credit cards that typically have minimum credit … 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. Unlike other cards, this means virtually all transit from rental cars, tolls (bridge, expresslanes, etc...), parking (garage and meters), trains, planes, and public transit. Low minimum credit line. It’s one of several rewards cards issued by Wells Fargo.. Offering 3X points per dollar spent on … For best chance of getting Wells Fargo Cards, it's been reported that it can be helpful to establish and use them for banking first. This makes each point worth 1.5¢ instead of 1¢. If you’re new to credit cards and looking to earn rewards, the Wells Fargo Propel could be a strong starter option. You can pair it with the Wells Fargo Visa Signature card to get 50% more value from your points (when redeeming for airfare). 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. Given its robust rewards, profuse perks, and lack of an annual fee, the Wells Fargo Propel American Express® Card has few downsides — except for the credit requirement. Is a relationship necessary to be approved? The 3x on streaming is nice since few cards offer it. As long as you have a minimum of 2,500 points, you can transfer Wells Fargo Propel … Finally, the Wells Fargo Deals combines both those only for Wells Fargo customers as well as Amex users. I capitalize on the gas, dining, and streaming multipliers. Also how is wells fargo? I don’t mind because I have been using reddit and other people for guidance as well. Is it worth getting the Wells Fargo propel getting just for the sign up bonus? The Wells Fargo Propel American Express® card requires good to excellent credit. Chase Freedom Flex, $3800, Oct 2020. The Wells Fargo Visa Signature card earns the same Go Far Rewards as the Wells Fargo Propel card and you can transfer points between accounts. 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. You can request a credit limit increase (CLI) directly from Wells Fargo by phone or online. I have ten credit cards & I've never really even been tempted by this one. If you’re traveling abroad, consider bringing a Visa or Mastercard credit … The card hits every high note, offering 20,000 bonus points after spending $1,000 in the first … For best chance of getting Wells Fargo Cards, it's been reported that it can be helpful to establish and use them for banking first. I didn’t have any relationship with WF when I got approved. It is important to pay them in full and on time. I have always just cashed out and I think the card is awesome. Just applied for the card a few months ago and like it so far. We find the best customer service and most consistent customer service from online banks and local credit … 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. Or call 1-800-642-4720. The Wells Fargo Propel … So Netflix, Disney+, and Hulu count, but not SubParTVNetwork Premium+. Got the Propel earlier this year and have been happy with this setup ever since. There's a list of the ones that apply so keep watch of that. Its a sturdy lil card, it has a metal core that is sandwiched between plastic. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. There’s nothing that this card offers that other banks (chase, Amex) don’t with superior customer service. Other cards limit to just airfare and rentals. Also interesting is Spotify/Apple Music count, but not Soundcloud. (8) Credit Limit. Find out how Chase determines your credit limit … Call Wells Fargo customer service at 1-800-642-4720. Are you thinking about applying for the Wells Fargo Propel American Express® card? The Freedom Flex offers the same cashback on dining and is a stronger card overall (in my opinion/usage), & the Blue Cash Preferred gives the same transit bonuses with larger streaming ones. Wells Fargo Propel American Express® card cons. To capture it, you’ll have to spend $1,000 total in the first three months, earning another 1,000 points at a minimum … Because every time I’ve needed service from wells Fargo I’ve waited 20-40 mins on hold. The Wells Fargo Propel American Express® card doesn’t charge a foreign transaction fee, but that may not be a huge benefit overall since American Express credit cards aren’t as widely accepted overseas as other credit card networks. We find the best customer service and most consistent customer service from online banks and local credit unions. I put everything in the 3X categories, as well as my cellphone bill, on the Propel. Since the points on this card — known as … Do they have a special customer service line for this card? Called CSR this morning … Wells Fargo Propel Amex – The 20,000-point intro bonus is worth $200. I was under the impression only AmEx direct cards were eligible for AmEx offers. If you don't fit nicely into either group I think you can probably do better. Cookies help us deliver our Services. I still activate them all because why not, and there is something I might go to or use like Starbucks or national chain. Press J to jump to the feed. Opens in a new window. How is this card? 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. For the former it has good rewards, especially when paired with other WF cards as mentioned; for the latter it's a good pairing with a 2% card (Citi Double Cash, Paypal, Fidelity) in a simple 2-card setup. Next step: apply for Wells Fargo Propel American Express® card. However, the Venture card has a significantly higher … 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. Wells Fargo Propel American Express® card full terms and conditions. Log into your Wells Fargo online banking account for your credit card and go to the “Manage Credit Limit” tab.. Wells Fargo gives you the option to increase your credit card limit … The Wells Fargo Propel American Express® card is one of the new innovations from Wells Fargo. Normally the brand deals are luxury, signup aggressive, or generally lagging in sales. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Press question mark to learn the rest of the keyboard shortcuts. Cash Back Cash Wise Visa ® trademark card learn more about the Wells Fargo … Press question mark to learn the rest of the keyboard shortcuts. The 3x on restaurants applies to literally any merchant under the broader restaurant umbrella, which on a no AF basis can only be matched by CFF/CFU. Press J to jump to the feed. By using our Services or clicking I agree, you agree to our use of cookies. Wells Fargo: Provider of banking, mortgage, investing, credit card, and personal, small business, and commercial financial services. Discover It (Student), $2500, Nov 2019. The minimum recommended credit score for this credit card is 700. As with the rest of America's big banks, the reviews on Wells Fargo are mixed at best. 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