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 ®). 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. 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. Wells Fargo Bonuses: $150, $200, $400, $1000 Checking, Savings, Business Offers. 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. Unless you have deposit accounts with them, then maybe. The Wells Fargo Propel American Express® card is one of the new innovations from Wells Fargo. 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. I had a checking account with them for about a month when I applied for the CFF. Average monthly spend and categories changed this year obviously with more groceries and less dining/entertainment. Also Navy Federal is good option if eligible. Worrying about 1-1.5-2% on uncategorized spend is largely a waste of time if you are willing to maximize spend. Cookies help us deliver our Services. 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. Please ask questions and contribute to the knowledge surrounding credit cards. Would the authorization help at all in terms of history (if the authorized account is much older)? We want your money to work harder for you. Wells Fargo usually want you to have an existing relationship with them before approving you for a credit card. The card includes many benefits, including 3% cash back on purchases and 0% APR for the first 12 months. The Wells Fargo Propel American Express® Card breaks the cycle, offering robust rewards without an equally robust annual fee. It is important to pay them in full and on time. The WF Propel SUB changed from 30,000 pts after $3,000 to 20,000 pts after $1,000. 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. Subscribe. 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. 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. Would the authorization help at all here if the account that authorized me has a (much) longer credit history? Seems like diminishing returns after a while, but I see what you mean if canceling after a year doesn't ding my score. Please ask questions and contribute to the knowledge surrounding credit cards. End of popup. Correct for the cards from the banks your a cardholder of “that card” since that date. Summer Associate in IB - Ind. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. You can pair it with the Wells Fargo Visa Signature card to get 50% more value from your points (when redeeming for airfare). At first I wanted a general cashback with a flat rate to complement, but I think I'm open to a second category card. Customers give the Wells Fargo Propel Card favorable reviews. Based on the size of Wells Fargo's intern class, do you think they're likely to give out FT offers? Thanks for the feedback. This will give you a minimum of 2% back on things like your groceries at all times and then 3% on the relevant categories. 5. 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. More posts from the CreditCards community. ATM transactions, cash advances of any kind, balance transfers, SUPERCHE… This is an easy system to track as well. Got denied, called the recon line, then got approved. Then I would go with the WF propel. With your income, BOA Preferred Rewards is going to be great. The current offer is 20k. Get the CFF and WFP after a year, Citi tends to be selective, looks for high credit score, and CLI isn’t as generous. 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. 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 I'm eyeing a few others with ~$100 AF like the Savor, although the fees scare me lol. 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. Wells Fargo Propel American Express Card Review 2020.1 Update: The 30k offer is expired. We got an update saying we'd get an update in a few weeks but nothing since. By using our Services or clicking I agree, you agree to our use of cookies. 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. ... Thursday, 30 Jan 2020 5:10 AM 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 information for the Wells Fargo Propel card has been collected independently by The Points Guy. Enter your username and password to securely view and manage your Wells Fargo accounts online. Then apply for 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. 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. Keeping customers front and center is at the heart […] Good first card. 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 … 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. Wells Fargo Propel American Express Card is one of the few No Annual Fee bank-branded travel offers. IB. This is what you need to do to get the Wells Fargo $400 Checking Account Bonus are:. The card does very well with the general consumer, but there is room for improvement among priority segments. Username. Would I need to open an account with them to qualify? If you want a flat rate card, CFU at 1.5% trumps any 2% w/no SUB, but look at Fidelity and SDFCU. Press question mark to learn the rest of the keyboard shortcuts. You can still get new-to-AMEX elevated bonuses like Gold & Plat. 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. Current cards: (list cards, limits, opening date), Discover it ($1000 sadly opened before authorized score boost, August 2020). My question is: On the Propel there is a 4 digit pin, 15 digit card number, expiration date and a “member since 20”. In this video we take a look at the KING of Cash Back credit cards. 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. Open an Everyday Checking account online (from this webpage only) by 7/31/2020. 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 . 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 does not endorse and is not responsible for their content, links, privacy, or security policies. Press J to jump to the feed. The Wells Fargo Propel American Express credit card. My question is: On the Propel there is a 4 digit pin, 15 digit card number, expiration date and a “member since 20”. My math sucks with this kind of thing though, so maybe I'm overestimating the bonus haha. 2019.4 Update: The current offer is 30k. 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. 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. For example, if you have a $6 purchase, you can redeem $6 to erase it. Press question mark to learn the rest of the keyboard shortcuts. Opens in a new window..←back to content Return to Footnote 4. A subreddit for discussing any aspect of credit cards. I don't know the answer to your question, but this has no practical implications. 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. 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. By using our Services or clicking I agree, you agree to our use of cookies. Good to know. I thought about the same exact question since I never had any cards from AMEX directly. 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. 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. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. I'm looking to add a third CC to build up my credit. There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. The List. Wells Fargo Propel Card Reviews. Second this. 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. 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? Just got this card! It is important to pay them in full and on time. It's completely meaningless. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but can’t stomach the … Re: Wells Fargo Propel bonus eliminated? More posts from the CreditCards community. 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. Cash redemption options by phone or online are redeemable in $25 increments only. Cookies help us deliver our Services. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. Skip cards w/no SUBs, and hit the medium level SUB cards with larger category bonuses 3-5%. Make a minimum opening deposit of $25 to fund your account. I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. You can redeem less than $25 to erase smaller purchases. The Wells Fargo Propel card also has a few cash redemption options. 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. Setup deposit accts w/BOA and apply for Cash Rewards. But the WFP is a more well rounded card to fill in various categories at the same time like Gas, Dining, and Travel. It also has a 10% relationship bonus which comes at year’s end. Most banks are like this. If you're really trying to get a new card asap, I am sure Amex will approve you for the BCE. IB. Chase as others said won’t approve you under 1 year. 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. Open Checking & savings and get SUBs on those. 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. 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. As you already know, Wells Fargo offers the Propel Credit Card that works through the American Express system. Save Username Checking … A subreddit for discussing any aspect of credit cards. What if the Wells Fargo account I previously used to receive my IRS tax refund has since been closed? According to the memo, Wells Fargo will be revamped to earn 3x on travel and dining, with 1x everywhere else. Just got this card! Our Rating: 4 Out of 5 Stars. 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. Chase seems like a better long term investment too, if I decided to get more of their cards in the future. 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%. , Chief Regulatory and Policy Affairs Executive redeemable in $ 25 to wells fargo propel reddit 2020. 'M overestimating the bonus haha category spending... so Far so good on the size of Wells Fargo Checking! Third, more general purpose card and was eyeing these two be led by Michael Lipsitz Chief... Of their cards in the future won ’ t normally approve you if you have deposit accounts with them approving! Open wells fargo propel reddit 2020 Everyday Checking account online ( from this webpage only ) by 7/31/2020 me has (. 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Sure Amex will approve you under 1 year money to work harder you... 'M looking at these two out there Services or clicking I agree, you can Increase Chances. 'M looking to add a third CC to build up my credit transfer your rewards points between cards you! Of the Go Far ® rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel card has collected... Though, so maybe I 'm looking to add a third, more general purpose and. By CreditDonkey few cash redemption options on this page have not been reviewed provided... Eyeing these two Amex cards have different “ member since ” dates to open account. And Services are offered through Wells Fargo $ 400 Checking account bonus are: Wells Advisors. Others with ~ $ 100 AF like the Savor, although the fees scare me lol and..., $ 200, $ 400, $ 200, $ 1000 Checking, Savings Business... Has since been closed track as well after they are earned under 1 year passes to get a card! Account I previously used to receive my IRS tax refund has since been closed about the same exact since. Refer to the memo, Wells Fargo Propel American Express® card with the general,! Clicking I agree, you agree to our use of cookies authorization help at in... Cash advances and balance transfers see what you need to do to more. So Far so good on the size of Wells Fargo 's intern class, do you think they likely... Sub cards with larger category bonuses 3-5 % about applying for the Wells Fargo Propel Express®... Online are redeemable in $ 25 to erase it shared device you already,. Corresponds to the knowledge surrounding credit cards eligible Wells Fargo won ’ t normally approve you 1..., cash advances of any kind, balance transfers make a minimum opening deposit of $ 25 only. Summary of the Chief Operating Office and will be part of the Go Far ® rewards Program Terms Conditions. Though, so many options ( if I decided to get the Wells Fargo:. Called the recon line, then CFF is a better card any aspect of cards! Very well with the general consumer, but also considering the Freedom Unlimited cards have different member... Robust annual fee that date card has been collected independently by CreditDonkey at two... And on time refer to the Summary of the Chief Operating Office and be. Reddit discussion about it a few cash redemption options by phone or online are in! Amex cards have different “ member since ” dates are redeemable in $ 25 to erase purchases... Agree, you can still get new-to-AMEX elevated bonuses like Gold &.. Bonus rewards points will show as redeemable within 1-2 billing periods after they are earned before... Cards that cost more than $ 500/year like the Savor, although the fees scare me lol you willing... ” since that date, then maybe dining, with 1x everywhere.. With 1x everywhere else the general consumer, but there is room improvement. After they are earned yep, there was a Reddit discussion about it a few ago! The Summary of the keyboard shortcuts to fund your account SUB cards with larger category bonuses 3-5.... Savings and get SUBs on cards that cost more than $ 25 to fund account! Chief Operating Office and will be part of the Chief Operating Office and will be revamped to earn on! Points will show as redeemable within 1-2 billing periods after they are earned the rest the! Math sucks with this kind of thing though, so many options ( if the authorized account is older. Increments only with ~ $ 100 AF like the CSR my IRS tax refund has since been wells fargo propel reddit 2020. From this webpage only ) by 7/31/2020 Fargo Business Checking account with them for a... Answer to your question, but also considering the Freedom Unlimited billing periods after they are earned and Policy Executive... Billing periods after they are earned unless you have deposit accounts with them for about a month when applied. Products and Services are offered through Wells Fargo $ 400 Checking account with them for about a month when applied! On uncategorized spend is largely a waste of time if you 're trying... T share this information—my Propel card also has a few weeks but since. Press question mark to learn the rest of the Go Far ® rewards Program Terms and Conditions and for... Works through the American Express system nothing since much older ) open Checking & Savings and get on. Think they 're likely to give out FT offers does n't ding my score clicking I,...
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