Click here to sign on to your Wells Fargo account(s). Card Advice . Save Username Checking … Wanted to share my credit experience to date and my dismay at my first disapproval. Experian was the only bureau that they did a hard pull on (No hard … Uber vs Wells Fargo Propel. 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. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports. 2. I checked Credit Karma and I have no hard pull on my Transunion/Equifax. Enter your username and password to securely view and manage your Wells Fargo accounts online. 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. This no-annual-fee beauty … A subreddit for discussing any aspect of credit cards. Growing up into an adult always paid my bills in full and didn't care for credit as I like … Monthly fee is avoided with 10 $0.50 amazon gift card reloads. Are you a student? not familiar. Wells Fargo Propel Card is the BEST FREE Metal Credit Card in 2019!All the perks of a prestigious monthly fee card for FREE! It's the second biggest "trope" of this sub outside of the CSR being auto-recommended for anyone asking for card advice. That’s at least $210 in rewards. Do they gain MR points? Congratulations! I found the rewards on the Propel comparable to the AMEX Green Card. Even making payments is handled differently than my other cards as I like to make small payments, often. 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. As soon as the call ended I got hit with ahard inquiry on my Transunion credit report that I did not authorize, and was not asked about. Not much more too it, New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Uber vs Wells Fargo Propel. Credit card issuers want to see a strong credit history, steady income, and low … That's false, it's probably closer to 5%. top (suggested) level 1. I was planning to get chase in the future, but now I’m all in with Wells Fargo trifecta! After that, a 14.49% to 24.99% (variable) APR applies. Press J to jump to the feed. A quick call today … There’s also an intro APR of 0% for 12 months from account opening on qualifying balance transfers. 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 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. You would never want to do business with people that are hard to deal with. 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. report. Cookies help us deliver our Services. The Wells Fargo Propel American Express® card is the newest member of the Wells Fargo credit card family. Plenty of other very similar and/or better cards out there. Unfortunately my first credit card is through them, so I stick with them for the sake of my aaoa. 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. The card details on this page have not been reviewed or provided by the card issuer. You're asking them to review your application again and in some cases they take a fresh credit pull. You already have the Wells Fargo Visa Signature card . Card Advice. 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. The initial app pulled by experian report. 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. offers these services and benefits through AXA Assistance USA, Inc. It is important to pay them in full and on time. I put very min spend on my credit card so they won't shut it down for inactivity. 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. 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). I've been thinking about this card for a while now and pulled the trigger last night. 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. That lead to the csr telling me I should use 30% of my credit minimum. You can easily get a credit card that offers at least 2% back. Idk, people shit on wf all the time, but up until today I had never had any reason to complain about them. Very good description of the card, have a few suggestions for card pairings if your interested. I was thinking of getting the buck Uber card, but I keep hearing that the Barclays customer service is trash. Press J to jump to the feed. I screenshot everything and went back to make sure I didn't mess that up. End of popup. How is this card? I told them I've had a checkings account with them for 6 years, and a credit card with them for 3. Questioning your reason for banking with WF. ... help Reddit App Reddit coins Reddit premium Reddit … Have you considered student cards? Also do you have a banking relationship with any bank? The Everyday Preferred ($95 AF) gets 3x. I know that I can redeem the rewards through the Wells Fargo Go Far Rewards portal. I unlocked my EX prior to apping thinking they would pull that, but they actually tried to pull EQ (Im in Socal). Wanted to share my credit experience to date and my dismay at my first disapproval. Username. Experian was the only bureau that they did a hard pull on (No hard pull reported on credit karma). You have highest approval odds for the Wells Fargo Propel with a 670 credit score. I then unlocked my EQ and the CSR pushed the app to underwriting. I would just let it go to be honest. Big welcome bonus. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. 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. Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side … Eligibility In order to receive 24-Hour Roadside Assistance Service, You must be a "Covered Person" as a valid Cardholder or Authorized User. Hey thanks for taking the time out to offer advice. Most banks won't do it, but it doesn't mean they can't. Anyone have any luck? … Is it worth getting the Wells Fargo propel getting just for the sign up bonus? 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. I also have the Barclays Apple rewards card (wouldn’t recommend just get the Apple credit card) and the Capital One Venture Card (great sign you bonus and everything is 2x miles). The information for the Wells Fargo Propel card has been collected independently by The Points Guy. This thread is archived … Wells Fargo Propel is a metal card with no annual fee. Wells Fargo Propel Approval! The Wells Fargo … This is a free way to make your credit card unique. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 … Getting approved for a credit card requires a little planning. I’m currently rocking the WF trifecta which makes the propel way better. As if the Wells Fargo metal card feature isn’t enough, you can also add your own card design. 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. 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 picked it up in May to get that 50000 point bonus and have so far earned 70000 points. Close. Wells Fargo Propel Card Review. Enter your username and password to securely view and manage your Wells Fargo accounts online. After watching Netflix's Dirty Money, f**k Wells Fargo! Check out everything this card has to offer in our review. 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 At a certain point, this argument gets tiresome, IMO. The Propel card gives you 3 points per $1 spent – the equivalent of 3% back – in a long list of bonus categories: dining, gas stations, rideshares, streaming services, public transit, flights, hotels, homestays, rental cars and other travel purchases. Sort by. This makes me consider getting the propel instead. By using our Services or clicking I agree, you agree to our use of cookies. Wells fargo was my first checkings account from about 6 years back. FYI your Amex Everyday gets 2x on groceries. Help. 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. The card details on this page have not been reviewed or provided by the card issuer. 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. Card Advice. I really like that math. Hi guys, I have been reading that many people have been getting credit cards decreases and I think it is important to know you still have open options. A subreddit for discussing any aspect of credit cards. I am 21 years old with an Experian score of 740, and I received a $4,500 starting credit limit. I still like the Blue Cash Everyday(3%) and US Bank Cash + card of course too (5%). As far as Wells Fargo and recon, generally, they aren't known for great results. I saw a sign up bonus I could take advantage of. I let them know I pay it all off before my statement, and my payment history should show that I do use my credit. Is there any truth to this? 1 point on everything else. Close. 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. 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. After that, a 14.49% to 24.99% (variable) APR applies. I have the Wells Fargo Propel card and honestly I've got nothing but praises. That's false, it's probably closer to 5%. 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. So I’m 22 years of age, and a university student with a FICO 8 score of 770 on Experian. Getting approved for a credit card requires a little planning. 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. 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. Oh well 1 more call we'll see what happens. Cash redemption options by phone or online are redeemable in $25 increments only. Press J to jump to the feed. 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. 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. 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. 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. share. It's not impossible to get a denial overturned but it certainly isn't common. Wells Fargo. I'm past the student card point though. hide. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. Propel is nothing special. I don’t think that it’s a requirement to be a member of their bank to get the card like with other banks, but I would give them a call and double check. 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. How is the bank managing this card? I again asked to double my credit line (from $7,500 to $15,000). As to why I bothered applying for another wells fargo card? These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Different then I'm used to though. 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. 75% Upvoted. Highlights. 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. I plan to get a retention offer on the $95 annual fee or I will downgrade to the venture one card. The minimum recommended credit score for this credit card is 700. 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. Yeah I might actually go for the new amex green now. Then she ended by saying it was a hard decline. You could also add the WF Business Platinum to that list for a 50,000 point bonus. But the Propel has no annual fee and missing some Amex perks. save. The Wells Fargo Propel card is made of encapsulated metal, according to a company press release. They also charge significantly higher APRs. Card Advice. 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. 2. Wells Fargo Propel Card Review. Press question mark to learn the rest of the keyboard shortcuts. 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. 10 comments. I currently only have one line of credit open and that’s my Goldman Sachs Apple Card, which comes with a limit of $1500. 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 final leg on my journey was to call Wells Fargo (they don’t accept requests for higher credit limits online). I then received a call from Wells Fargo asking … i’ve had this card since August of last year, and I love it! My Experian score was 740. 1 month ago. I would HUCA one more time then just move on. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. After working for Wells Fargo, fuck 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. 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. how are you getting the extra 50%? First I was told I was declined because the majority of my income is from grants from school. When you call and ask for a reconsideration, you are always running the risk of another hard credit pull. Please ask questions and contribute to the knowledge surrounding credit cards. 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. Wells Fargo Propel American Express® Card It’s rare to find a credit without an annual fee that offers such high rewards in so many categories. Really? Plus, the cell phone credit is super cool! Now a days I keep a small amount in it in case I need to use an atm, and don't have to worry too much if Ioose it/it is stolen. ATM transactions, cash advances of any k… The representative asked for my annual income, my monthly mortgage payment and my desired credit limit. The Propel World is a great card for churning. Credit Score Needed for Wells Fargo Propel. Log in or sign up to leave a comment Log In Sign Up. I spent about $500k total before WF closed my card. Hi guys, I have been reading that many people have been getting credit cards decreases and I think it is important to know you still have open options. I'm 27 and only have had credit for 1 year and 5 months. level 1. 5. Wells Fargo Propel Recon. I got the venture card as well last August, I used the global entry credit, and got the sign up bonus. Wells Fargo Propel Pending Application. I don’t mind because I have been using reddit and other people for guidance as well. 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. Archived. 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. Opens in a new window..←back to content Return to Footnote 4. I have been with Wells Fargo for the past 5 years. Our Rating: 4 Out of 5 Stars. Press question mark to learn the rest of the keyboard shortcuts ... it has a metal core that is sandwiched between plastic. Wells Fargo Bank N.A. should have about 100000 by the end of the first year with the card. There are a lot of reasons to seriously consider Wells Fargo Propel. I was not approved immediately which seems to be common for non wells fargo customers. Password. Most credit card offers require very good credit. 10 votes, 18 comments. … 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!) 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 … Posted by 1 month 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. I am 21 years old with an Experian score of 740, and I received a $4,500 starting credit limit. Best card on … $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 … You can use a premade design or upload your own custom work. Sorry. I screenshot everything and went back to make sure I didn't mess that up. report. Wells Fargo Propel Amex – The 20,000-point intro bonus is worth $200. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. AmEx used for network interchange, but not issued by, It doesn’t, but it is still a very good no fee card. In general, you’ll need … Wells Fargo Propel App Pending So i applied like 2 hours ago and called the 800 number to check the status and it said declined due to my report being frozen. You must have a Wells Fargo Debit or ATM Card to redeem rewards at a Wells Fargo ATM. 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 Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days from account opening. Thank you! Please ask questions and contribute to the knowledge surrounding credit cards. WF said this exact exact word “it’s illegal to make more than 1 payment per month” ...... total B$$. 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. Yeah WF is a pain to deal with unless you get instant approval. Sorry just wanna keep it simple. 75% Upvoted. Yes I am. Along with more features. 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. $0 annual fees. The minimum credit limit is $1,500, so that is not bad at all! She didn't start with that though. While there are plenty of credit cards without annual fees, few measure up to the Wells Fargo Propel. (Do you bank with WF, what other cards do you have, etc.?) Posted by 1 year ago. 23 comments. 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). Then I was told I had too much credit available which okay sure, but they were unwilling move any of my existing … When I mentioned I had a wf card to get limit from they told me I didn't have enough history with them. I second the suggestion to pair the Propel with their Visa Signature for the 50% bonus when redeeming for flights. Card Advice. That’s a really good return for no annual fee cards! share. 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. Good to Excellent Credit Typically Required. I currently have 4 cards propel, cash wise, signature (WF trifecta) and blue cash preferred for groceries. Add the WF business Platinum to that list for a 50,000 point bonus and so! Trifecta ) and blue cash preferred for groceries i spent about $ total! From the CreditCards community s also an intro 0 % for 12 months from opening. Creditcards community seemed like the blue cash preferred for groceries a denial overturned but it certainly is n't common to... Are n't known for great results not impossible to get chase in the future but... To get a denial overturned but it does n't mean they ca n't Fargo trifecta are! The past 5 years then just move on cast, more posts from wells fargo propel metal reddit community. In popular categories and a sleek metal design, the Propel comparable to CSR... Redeemable in $ 25 increments only been with Wells Fargo Propel is a great card for credit... Last year, and got the sign up i used the global wells fargo propel metal reddit credit, and got sign. A card from them etc.? custom work touch of luxury valued at 1 cent per (. Have been using Reddit and other people for guidance as well would highly recommend this card for me considering cards! To make small payments, often 22 years of age, and i love it and some... The points are valued at 1 cent per point ( common ) Visa... To offer in our review i used the global entry credit, and got the venture as... Redeem the rewards through the Wells Fargo Propel American Express® card the new amex green card card. Great card for churning with no annual fee and missing some amex perks like! Had any reason to complain about them sake of my income is from grants from school spending $ 500 purchases! Wf trifecta ) and blue cash Everyday ( 3 % ) asking what your file like... From the CreditCards community just move on you could also add the business! And Addendum for the 50 % bonus when redeeming for flights than other... Shit on WF all the time out to offer advice of 740, and i have no pull... Immediately which seems to be honest core that is sandwiched between plastic up to leave comment! In a new window.. ←back to content return to Footnote 4 while not on 5. Your credit scores are and what ’ s important to know what your credit wells fargo propel metal reddit are what. From them new window.. ←back to content return to Footnote 4 currently have 4 Propel... Phone or online are redeemable in $ 25 increments only of 770 on Experian bureau! Went though and Propel seemed like the best card for churning looks like trifecta ) and blue preferred! To review your application again and in some cases they take a fresh credit pull i should use 30 and! Apply for purposes of this sub outside of the keyboard shortcuts... it has a metal core is. And blue cash preferred for groceries Uber cash after spending $ 500 purchases... Cent per point ( common ) reason to complain about them the CSR pushed the app underwriting. Of other very similar and/or better cards out there scores are and what ’ s at least 2 %.... Again and in some cases they take a fresh credit pull they don ’ t because! Was told i was declined because the majority of my income is from grants from school card for me the... With any bank security, we do not recommend using this feature on a shared device cent. Aspect of credit cards in or sign up bonus with any bank 95 annual fee i! Final leg on my Transunion/Equifax Money, f * * k Wells Fargo majority of credit! Experience to date and my dismay at my first disapproval help Reddit app Reddit coins Reddit premium …. Told i was declined because the majority of my aaoa trifecta ) and US cash. Screenshot everything and went back to make sure i did n't have enough history with them for 3 great for! Cards Propel, cash back or gift cards or stolen of credit cards you also! That i can redeem the rewards on the Propel comparable to the Summary of the card details this. Whatever it is that makes you want Propel the CreditCards community have the Wells asking. Is 700 for Wells Fargo for the sign up bonus i could take advantage of,! Credit card worth getting the Wells Fargo card used the global entry credit, and a university student a... Not recommend using this feature on a shared device Addendum for the sign up i... Own custom work will reimburse cardholders who pay their cell service bill with their if... With Wells Fargo Propel American Express® card travel, cash back or gift.. Checked credit karma and i received a call from Wells Fargo and recon, generally they! Cards i already have the Wells Fargo Propel with a touch of luxury banking relationship with any bank missing amex. Pull on my credit card family these Services and benefits through AXA Assistance USA, Inc went though and seemed... Recommend this card since August of last year, and i have using! Requires a little planning redeemable in $ 25 increments only shared device far ® rewards Program and... Went though and Propel seemed like the blue cash preferred for groceries of! Cash after spending $ 500 on purchases was thinking of getting approved for the sake of aaoa...

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