I THINK I'm okay with category spending... so far so good on the Discovery haha. This is an easy system to track as well. You can still get new-to-AMEX elevated bonuses like Gold & Plat. My question is: On the Propel there is a 4 digit pin, 15 digit card number, expiration date and a “member since 20”. Press question mark to learn the rest of the keyboard shortcuts. Would the authorization help at all here if the account that authorized me has a (much) longer credit history? 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! I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. 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. My first was a Discover it, followed by an authorized card solely to help with my score after they gave me a weak limit. I'm looking to add a third CC to build up my credit. 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 ®). 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. August 3, 2020 • Credit Are you thinking about applying for the Wells Fargo Propel American Express® card? For example, if you have a $6 purchase, you can redeem $6 to erase it. Cookies help us deliver our Services. The current offer is 20k. You can redeem less than $25 to erase smaller purchases. WF and Amex don’t share this information—my Propel card and Amex cards have different “member since” dates. 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. The card does very well with the general consumer, but there is room for improvement among priority segments. I had a checking account with them for about a month when I applied for the CFF. 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. More posts from the CreditCards community. Opens in a new window..←back to content Return to Footnote 4. The minimum recommended credit score for this credit card is 700. The Wells Fargo Propel American Express credit card. 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. Open Checking & savings and get SUBs on those. ; Wells Fargo won’t normally approve you if you’re not a permanent resident. For your security, we do not recommend using this feature on a shared device. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. It's completely meaningless. Wells Fargo & Company (NYSE: WFC) announced today the launch of a new enterprise-wide, consumer-focused advisory group, the Office of Consumer Practices (OCP). Chase as others said won’t approve you under 1 year. Most banks are like this. 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. Also, would having a history banking with WF help land the Propel? 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. ... Thursday, 30 Jan 2020 5:10 AM ATM transactions, cash advances of any kind, balance transfers, SUPERCHE… The List. Those credit union cards look pretty solid too-- dang, so many options (if I qualified for them). Then apply for CFF. I see everyone else posting this so I figured I'd throw this question out there. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. If you want a flat rate card, CFU at 1.5% trumps any 2% w/no SUB, but look at Fidelity and SDFCU. 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. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. What are your thoughts on the two? 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. It also has a 10% relationship bonus which comes at year’s end. This will give you a minimum of 2% back on things like your groceries at all times and then 3% on the relevant categories. Would the authorization help at all in terms of history (if the authorized account is much older)? 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. 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. 5. 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. Seems like diminishing returns after a while, but I see what you mean if canceling after a year doesn't ding my score. Also Navy Federal is good option if eligible. 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. Since Wells Fargo allows you to transfer your rewards points between cards, you can increase your value to 1.5 cents per point. 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. Press J to jump to the feed. 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. Thanks, well there are enough replies on here saying the same thing about Chase so I'm accepting my fate there, LOL. 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. You can apply your points as a statement credit, to your Wells Fargo … Wells Fargo usually want you to have an existing relationship with them before approving you for a credit card. 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. Save Username Checking … Wells Fargo Propel American Express Card Review 2020.1 Update: The 30k offer is expired. Open an Everyday Checking account online (from this webpage only) by 7/31/2020. Cash redemption options by phone or online are redeemable in $25 increments only. A subreddit for discussing any aspect of credit cards. Average monthly spend and categories changed this year obviously with more groceries and less dining/entertainment. I'm looking at a third, more general purpose card and was eyeing these two. PPP loan applicants must have an eligible Wells Fargo business checking account that corresponds to the entity name on the PPP loan application. With your income, BOA Preferred Rewards is going to be great. It is important to pay them in full and on time. In this video we take a look at the KING of Cash Back credit cards. Make a minimum opening deposit of $25 to fund your account. Re: Wells Fargo Propel bonus eliminated? 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. Good first card. As you already know, Wells Fargo offers the Propel Credit Card that works through the American Express system. Wells Fargo Propel Card Reviews. It is important to pay them in full and on time. At first I wanted a general cashback with a flat rate to complement, but I think I'm open to a second category card. What if the Wells Fargo account I previously used to receive my IRS tax refund has since been closed? 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 . 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 By using our Services or clicking I agree, you agree to our use of cookies. Based on the size of Wells Fargo's intern class, do you think they're likely to give out FT offers? Unless you have deposit accounts with them, then maybe. End of popup. Please ask questions and contribute to the knowledge surrounding credit cards. Summer Associate in IB - Ind. We got an update saying we'd get an update in a few weeks but nothing since. Got denied, called the recon line, then got approved. 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. 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