You already have the Wells Fargo Visa Signature card . Only thing is they'd probably have to pull my credit a 3rd time to verify, and 1 is all I was willing to give for that card. I also heard that they will do automatic credit limit increases, so you would not have to worry about that like with some other credit cards. 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. Cash redemption options by phone or online are redeemable in $25 increments only. 5. 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. After that, a 14.49% to 24.99% (variable) APR applies. 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 newest no-annual-fee metal credit card is the Wells Fargo Propel American Express® card, and like the Reserve, the Propel aims squarely at a millennial audience with a 3-point bonus on dining, travel, transit and popular streaming services. Click here to sign on to your Wells Fargo account(s). The Wells Fargo Propel American Express® Card also ranks highly for its rewards on qualified purchases and a similar introductory APR for new purchases and balance transfers following your new account activation. Cookies help us deliver our Services. There are a lot of reasons to seriously consider Wells Fargo Propel. But the Propel has no annual fee and missing some Amex perks. Press J to jump to the feed. Please ask questions and contribute to the knowledge surrounding credit cards. … Archived. The Everyday Preferred ($95 AF) gets 3x. A subreddit for discussing any aspect of credit cards. 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. Are you thinking about applying for the Wells Fargo Propel American Express® card? Is it worth getting the Wells Fargo propel getting just for the sign up bonus? While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. Now cashback wise I’m still happy with the 4% on gas, 3% on dining/travel, and 2% back at Costco but it would take years for the 1% extra on gas and 2% at Costco to add up to $300. I would highly recommend this card to anyone, but especially to younger people. That lead to them saying my checkings account funds weren't good enough, to which I told them all of my money was in another banks savings accounts, of course I don't have all of my money in their checking account. After watching Netflix's Dirty Money, f**k Wells Fargo! 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. The Wells Fargo Propel AmEx card is great for those with good credit scores (think low 700s or above), and a bad pick for those who habitually sign … Card Advice. 10 comments. Wells Fargo Propel is a metal card with no annual fee. Uber vs Wells Fargo Propel. Credit Score Needed for Wells Fargo Propel. Close. Card Advice. The representative asked for my annual income, my monthly mortgage payment and my desired credit limit. Most credit card offers require very good credit. At a certain point, this argument gets tiresome, IMO. If the Wells Fargo Propel card is one of the first few cards you open, it could limit which Chase cards you’re eligible for. Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side … 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. 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. Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days from account opening. I'm past the student card point though. Press question mark to learn the rest of the keyboard shortcuts. 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. With 3x points in popular categories and a sleek metal design, the Propel offers great rewards with a touch of luxury. When you call and ask for a reconsideration, you are always running the risk of another hard credit pull. Well I called again, and this CSR actually wrote down what I said about reallocating my credit with them and resubmitted it to underwritting, so we'll see what happens I guess. Cookies help us deliver our Services. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. 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. 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. I recently got the Costco Citi card and a couple weeks later I saw the Wells Fargo Propel; after seeing the $300 sign up bonus on the Wells Fargo propel card, I had some buyers remorse. 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 not impossible to get a denial overturned but it certainly isn't common. I’m currently rocking the WF trifecta which makes the propel way better. I put very min spend on my credit card so they won't shut it down for inactivity. The Wells Fargo … 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. $0 annual fees. Highlights. 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. share. Press J to jump to the feed. That's false, it's probably closer to 5%. She didn't start with that though. The final leg on my journey was to call Wells Fargo (they don’t accept requests for higher credit limits online). The only other no-annual-fee metal credit cards that are widely available – the Wells Fargo Propel American Express® card and the Amazon Prime Rewards Visa Signature card (which requires a $119 Prime subscription) – charge more fees. This thread is archived … The information for the Wells Fargo Propel card has been collected independently by The Points Guy. Username. How is the bank managing this card? As far as Wells Fargo and recon, generally, they aren't known for great results. This no-annual-fee beauty … Only ended the conversation with it, Oh yeah, my fico scores are all in the 750's or higher, I had business propel when they launch about 10 years ago , my limit was $25k. Hey, do you mind me asking what your file looks like? For that reason, I don’t recommend applying for this card if you’re under the Chase 5/24 or trying to get under it. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. save. Sort by. Anyone have any luck? It is important to pay them in full and on time. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. Posted by 1 year ago. The initial app pulled by experian report. Really? Wanted to share my credit experience to date and my dismay at my first disapproval. I've been thinking about this card for a while now and pulled the trigger last night. Anyways she kept changing her reason for my decline until finally she just said it was a hard decline and that I couldn't do anything. Sorry. Getting approved for a credit card requires a little planning. Just got approved for the Wells Fargo Propel American Express Credit Card! Log in or sign up to leave a comment Log In Sign Up. Yeah WF is a pain to deal with unless you get instant approval. Wells Fargo. Also do you have a banking relationship with any bank? I told them I've had a checkings account with them for 6 years, and a credit card with them for 3. … The Wells Fargo Propel card is made of encapsulated metal, according to a company press release. This is a free way to make your credit card unique. 75% Upvoted. save. It's not mentioned very often because Wells Fargo doesn't have a referral program so bloggers never talk about it, and getting approved can be tricky if you don't have an existing relationship with them. 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!) You must have a Wells Fargo Debit or ATM Card to redeem rewards at a Wells Fargo ATM. I found the rewards on the Propel comparable to the AMEX Green Card. Propel is nothing special. For your security, we do not recommend using this feature on a shared device. I was planning to get chase in the future, but now I’m all in with Wells Fargo trifecta! I'll be using it for gas while not on the 5% quarter for my chase freedom and for eating out. FYI your Amex Everyday gets 2x on groceries. Even making payments is handled differently than my other cards as I like to make small payments, often. The card details on this page have not been reviewed or provided by the card issuer. $0 annual fee introductory APR on purchases 0% for 12 months from account opening and 0% for 12 months from account opening on qualifying balance transfers (14.49% to 24.99% (Variable) thereafter) Earn 3X points on eating out, ordering in and … I am 21 years old with an Experian score of 740, and I received a $4,500 starting credit limit. The minimum recommended credit score for this credit card is 700. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. After that, a 14.49% to 24.99% (variable) APR applies. First I was told I was declined because the majority of my income is from grants from school. Congratulations! Idk, people shit on wf all the time, but up until today I had never had any reason to complain about them. I screenshot everything and went back to make sure I didn't mess that up. Then she ended by saying it was a hard decline. share. I was thinking of getting the buck Uber card, but I keep hearing that the Barclays customer service is trash. As if the Wells Fargo metal card feature isn’t enough, you can also add your own card design. WF said this exact exact word “it’s illegal to make more than 1 payment per month” ...... total B$$. 2 % back 100 in Uber cash after spending $ 500 on purchases global! Make sure i did n't mess that up the keyboard shortcuts i stick them! The 50 % bonus when redeeming for flights certain point, this argument gets tiresome,.... Or online are redeemable in $ 25 increments only was planning to get a retention offer the. In a new window.. ←back to content return to Footnote 4 days from account on! 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