Wells Fargo Propel Pending Application. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. The Propel card gives you 3 points per dollar on dining (bars/restaurant/fast food/food delivery), travel (Uber/gas/lyft and transit, commuting (subway tickets/parking/ferries/tolls), and select streaming services (Hulu, Netflix, Apple Music). I currently only have one line of credit open and that’s my Goldman Sachs Apple Card, which comes with a limit of $1500. I know that I can redeem the rewards through the Wells Fargo Go Far Rewards portal. With the chase trifecta I’d have to pay a hefty annual fee that was worth it before they ruined the card by modifying the perks and increasing the annual fee. Propel is nothing special. First I was told I was declined because the majority of my income is from grants from school. Press J to jump to the feed. I screenshot everything and went back to make sure I didn't mess that up. I am 21 years old with an Experian score of 740, and I received a $4,500 starting credit limit. Getting approved for a credit card requires a little planning. Yes I am. top (suggested) level 1. 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. I'm 27 and only have had credit for 1 year and 5 months. As to why I bothered applying for another wells fargo card? I wonder if moving some money from chase (they offer almost instantaneous transfers to other accounts) and asking for a credit limit decrease from amex (1 card has a credit limit that is dangerously close to triggering an automatic financial review anyways) would get them to budge. The Wells Fargo … Close. I plan to get a retention offer on the $95 annual fee or I will downgrade to the venture one card. Click here to sign on to your Wells Fargo account(s). Wells Fargo. By using our Services or clicking I agree, you agree to our use of cookies. I put very min spend on my credit card so they won't shut it down for inactivity. I have done research on that card too and I like the benefits similar to the Wells Fargo Propel Amex Card, but the annual fee is not worth it to me at this point of my life. hide. 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. 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. Our Rating: 4 Out of 5 Stars. should have about 100000 by the end of the first year with the card. A subreddit for discussing any aspect of credit cards. Card Advice . If you are straight you will not have a problem matching whatever it is that makes you want Propel. The Wells Fargo Propel American Express® card is the newest member of the Wells Fargo credit card family. Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days from account opening. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Cookies help us deliver our Services. Those two are the next cards I plan to get (3 months - a year from now due to having a younger length of credit history). Password. That’s at least $210 in rewards. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. 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. The minimum recommended credit score for this credit card is 700. Monthly fee is avoided with 10 $0.50 amazon gift card reloads. Questioning your reason for banking with WF. I did one other recon about 2 years ago and the person I spoke with approved it themselves, edit: response was that no knew information was submitted, so none of what I did made the slightest difference or CSR didn't actually write anything down. Thank you! The card is great, it's why I applied for it, it's just the csr constantly moving the goal post that annoyed me during my recon. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. Highlights. Plenty of other very similar and/or better cards out there. 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 Plus, the cell phone credit is super cool! FYI your Amex Everyday gets 2x on groceries. Help. As if the Wells Fargo metal card feature isn’t enough, you can also add your own card design. You can use a premade design or upload your own custom work. Cash redemption options by phone or online are redeemable in $25 increments only. The Wells Fargo Propel American Express® Card breaks the cycle, ... as it is one of the few metal credit cards that doesn’t charge an annual fee. They also charge significantly higher APRs. I’m currently rocking the WF trifecta which makes the propel way better. A quick call today … After that, a 14.49% to 24.99% (variable) APR applies. And, the Wells Fargo Propel card comes with an introductory 0% APR offer on purchases and transfers that can save you a bundle on interest. Are you thinking about applying for the Wells Fargo Propel American Express® card? Please ask questions and contribute to the knowledge surrounding credit cards. But the Propel has no annual fee and missing some Amex perks. 1 month ago. This makes me consider getting the propel instead. I got the venture card as well last August, I used the global entry credit, and got the sign up bonus. I had to call in once to verify income, then got declined before the income they "verified" somehow said all of my income was from grants. The Wells Fargo Propel American Express® card has taken the best parts of almost every credit card category and bundled them up into one colossal piece of metal (not plastic!) I saw a sign up bonus I could take advantage of. Log in or sign up to leave a comment Log In Sign Up. Rewards: Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, … To capture it, you’ll have to spend $1,000 total in the first three months, earning another 1,000 points at a minimum in the process. The initial app pulled by experian report. I found the rewards on the Propel comparable to the AMEX Green Card. I told them I've had a checkings account with them for 6 years, and a credit card with them for 3. 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. 2. With 3x points in popular categories and a sleek metal design, the Propel offers great rewards with a touch of luxury. Have you considered student cards? Experian was the only bureau that they did a hard pull on (No hard … $0 annual fees. I would suggest getting a keeper card like this with a higher credit limit and no annual fee so that #1 you don't have a high utilization rate and #2 you can get points back on all or most of your monthly expenses. Cash redemptions by withdrawal from a Wells Fargo ATM, or a rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM, are redeemable in $20 increments only. That lead to the csr telling me I should use 30% of my credit minimum. Close. When I explained my income and they finally understood the decline changed to me having too much credit (all credit cards combined) extended to me. Is there any truth to this? I have been with Wells Fargo for the past 5 years. This thread is archived … The Wells Fargo Propel American Express® card offers an intro 0% for 12 months from account opening on purchases. Might be an obvious question... Purely a WF-issued card. I have the Wells Fargo Propel card and honestly I've got nothing but praises. … Getting approved for a credit card requires a little planning. The Wells Fargo Propel card is made of encapsulated metal, according to a company press release. Beginning of popup Notice. You would never want to do business with people that are hard to deal with. The final leg on my journey was to call Wells Fargo (they don’t accept requests for higher credit limits online). Wells Fargo Propel American Express® card: Uber Visa Card: Welcome offer: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months. … Most credit card offers require very good credit. Different then I'm used to though. Username. You already have the Wells Fargo Visa Signature card . i’ve had this card since August of last year, and I love it! When I mentioned I had a wf card to get limit from they told me I didn't have enough history with them. The card details on this page have not been reviewed or provided by the card issuer. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 … 23 comments. 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. So I offered to reallocate some of my existing wells fargo credit line to get the card (which is in the terms and conditions as something they have the right to do without consulting you) and the csr told me if they did that my existing card would be below the minimum credit line possible, which is a lie because taking the "minimum" amount out for the propel would leave me with a credit limit higher then my initial credit limit on that card 3 years ago. Why it's the best Delta credit card with no annual fee: If you want a Delta credit card but don’t want to pay an annual fee, this is the offer for you. Enter your username and password to securely view and manage your Wells Fargo accounts online. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. Good to Excellent Credit Typically Required. By using our Services or clicking I agree, you agree to our use of cookies. save. Hey thanks for taking the time out to offer advice. The reward system can kind of be mediocre but you can literally have them send you a check for cash if you don't like the rewards. Really? Do they gain MR points? It's the second biggest "trope" of this sub outside of the CSR being auto-recommended for anyone asking for card advice. I would highly recommend this card to anyone, but especially to younger people. 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. I was not approved immediately which seems to be common for non wells fargo customers. Press question mark to learn the rest of the keyboard shortcuts. Uber vs Wells Fargo Propel. 5. Opens in a new window..←back to content Return to Footnote 4. Posted by 1 year ago. Another thing I liked about this card during uncertain times is that they offer a 12 month 0% APR on balance transfers and purchases, so if an emergency occurred I would be good to go. The Propel World is a great card for churning. not familiar. I again asked to double my credit line (from $7,500 to $15,000). Then I was told I had too much credit available which okay sure, but they were unwilling move any of my existing … It's not impossible to get a denial overturned but it certainly isn't common. That's false, it's probably closer to 5%. ATM transactions, cash advances of any k… New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. I think the card pairs well with the Amex Blue Cash Everyday Card (3% on groceries) and US Bank Cash + Card (5% on 2 categories of your choice and 2% on the 3rd category of your choice). Very good description of the card, have a few suggestions for card pairings if your interested. Card Advice. Best card on … 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. I would just let it go to be honest. Hey, do you mind me asking what your file looks like? In general, you’ll need … how are you getting the extra 50%? Check out everything this card has to offer in our review. How is the bank managing this card? The minimum credit limit is $1,500, so that is not bad at all! Sorry just wanna keep it simple. You're asking them to review your application again and in some cases they take a fresh credit pull. Then I was told I had too much credit available which okay sure, but they were unwilling move any of my existing wf card limit to the new card. Experian was the only bureau that they did a hard pull on (No hard pull reported on credit karma). Our Rating: 4 Out of 5 Stars. Archived. Wells Fargo Bank N.A. Most credit card offers require very good credit. There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. I still like the Blue Cash Everyday(3%) and US Bank Cash + card of course too (5%). The card details on this page have not been reviewed or provided by the card issuer. You earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months of account … I 'll be using it for gas while not on the 5 quarter! Get chase in the first year with the card details on this page have not been reviewed or provided the!, the cell phone credit is super cool is damaged or stolen log in sign... Move on majority of my credit experience to date and my desired credit limit HUCA one more then. Your username and password to securely view and manage your Wells Fargo, fuck Wells Fargo getting! Thinking about this card for me considering the cards i already have cell phone credit is cool... With people that are hard to deal with unless you get instant approval service with... 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