If you’re willing to overlook customer service reviews and want to earn rewards in certain categories, the Wells Fargo Propel American Express® card may be a solid choice. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. Additionally, 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases for eligible online streaming services. Cash redemptions via a 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. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertising partners do not edit or endorse our editorial content. The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance. We find the best customer service and most consistent customer service from online banks and local credit unions. A fee charged once a year for maintaining an account and for any special services. If you’re new to credit cards and looking to earn rewards, the Wells Fargo Propel could be a strong starter option. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. Unlike many credit cards, the Wells Fargo Propel card does not have an annual fee, so you don’t have to worry about spending a certain amount to make it worthwhile. You can request a credit limit increase (CLI) directly from Wells Fargo by phone or online. Credit Card Insider is an independent, advertising supported website. Either $10 or 5% of the amount of each advance, whichever is greater. How to Avoid Paying Interest on Purchases. Wells Fargo didn’t used to be a big player in the credit card space, then they introduced their 5x cards and the Propel series and have been steadily getting more popular. If you have a joint Account, a notice to one of you will serve as a notice to both of you. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. We use a method called "average daily balance (including new purchases)". The travel category is quite broad and covers a wide variety of purchases, which are shown below. 9. You can earn the equivalent of 1% to 3% cash back on your purchases, depending on what you buy. Advertiser relationships do not affect card evaluations. The Chase Freedom Flex℠ (Review) features high rewards in quarterly rotating categories. See the Wells Fargo Propel American Express® Card Guide to Benefits for details. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. Gas: gas stations and automated fuel dispensers (gas purchases at warehouse and membership clubs, grocery stores, car washes, auto repair stores, and superstores that sell gasoline may not be coded as gas stations or automated fuel dispensers). If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. Note: Depending on your account terms, an Overdraft Protection Advance Fee may be charged to your Account each day an Overdraft Protection Advance is made, and interest will accrue from the date each advance is made. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online and ATM access may be delayed and you may be denied access to your account. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. This benefit does not cover cell phones that are lost (i.e. Ultimate Rewards (UR) points are generally worth 1 cent each. They are quite strange when it comes to credit cards, so read this before you think about applying for one of their cards. Wells Fargo Propel Credit Card – Frequently Asked Questions by Peter August 18, 2018, 12:35 pm 1 Comment If you haven’t already, be sure to check out our Wells Fargo Propel Credit Card review first, as that covers the main points of the card. We are unable to contact you about your comments. Each approved claim has abenefit limit of $600. But redeem them through the Chase Ultimate Rewards program for travel expenses and you’ll get 1.25 cents per point. Dining: eating places and restaurants, drinking places, or fast food restaurants (caterers, bakeries, grocery stores, and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants). © 1999 - 2021 Wells Fargo. The Wells Fargo Propel American Express Card provides 3X reward points for an interesting variety of categories:. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. To apply for the Wells Fargo Propel card, click on the Apply Now button below and complete the online application. Credit card issuers rely on more than just credit scores when determining approval, including factors like income. With no limit … The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. disappear without explanation). No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. No exchanges. To earn cash back, pay at least the minimum due on time. Once you finish it and submit, you’ll typically receive a decision from Wells Fargo right away. Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card. If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards. It’s one of several rewards cards issued by Wells Fargo.. Offering 3X points per dollar spent on gas, restaurants, travel, and streaming services, you can also earn 1X point per dollar on all other purchases. The Wells Fargo Propel American Express® card doesn’t charge a foreign transaction fee, but that may not be a huge benefit overall since American Express credit cards aren’t as widely accepted overseas as other credit card networks. Efforts have been made to keep the content up to date and accurate. Wells Fargo Propel CLI denial at soft pull DP Just wanted to share my experience with attempting a credit limit increase on my Propel card. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Most credit card offers require very good credit. But this method requires quite a bit of planning and takes longer than the other options, without providing more value per point, so we suggest just sticking with statement credits. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. We may also ask for your driver's license or other identifying information. After that, up to 5% for each balance transfer, with a minimum of  $5. The current list of eligible streaming services and additional details of what services and fees are included/excluded for bonusing are available at: wellsfargo.com/propelstreaming. 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. That is advantageous because with the Wells Fargo Visa Signature your points are worth 1.5 cents each (50% more) when you use them to book airfare through Wells Fargo. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. To apply online, you’ll need a Social Security number or Individual Tax Identification Number and income information. All sales final. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. Plus, you can get 0% APR on new purchases and balance transfers for quite a while. 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. Read this for help picking your first card and find out what to expect when you apply. The main features of the Chase Sapphire Preferred® Card (Review) are wide-ranging opportunities to earn points, a large signup bonus, and the ability to transfer your points to leading airline and hotel loyalty programs. You are responsible for any service provider charges as a result of us contacting you. Wells Fargo reserves the right to change terms, rates (APRs) and fees, at its discretion in accordance with the Consumer Credit Card Customer Agreement and Disclosure Statement ("Agreement") for your account and applicable law. Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. This flat rate is good for any spending that doesn’t fall under the bonus categories of other reward cards. Wells Fargo Propel American Express® card full terms and conditions. That’d give you a cash back equivalent of 4% for travel and dining. Apply with a good to excellent credit score of 670 or higher. If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status. Each approved claim has a benefit limit of $600. You agree to promptly notify us if you change any contact information you provide to us. So what makes this card so competitive? If you are a married applicant you may apply for credit in your own name. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement. No Foreign Currency Conversion Fee. To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. Or call 1-800-642-4720. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® Card for details. This protection may not be equivalent to or better than other applicable coverage. The Wells Fargo Propel American Express card offers 3 points per dollar spent in popular spending categories including restaurants, gas, travel, and some popular streaming services. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature. Offering 3X points per dollar spent on gas, restaurants, travel, and streaming services, you can also earn 1X point per dollar on all other purchases. 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. For complete coverage benefits and exclusions regarding this protection go to www.wellsfargo.com/ctp. Content is not provided or commissioned by any credit card issuers. Electronic failure or issues related to the software of the device are not covered. Some promotional rewards bonus offers may include a limit on the amount of bonus points that can be earned. So it’s more expensive than the Propel card, with similar bonus categories. By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. I called and a nice rep explained that they would update my income and attempt a soft pull, but if it was denied it would need to go to an underwriter to do a hard pull. Please call to activate your new card as soon as you receive it. Tip: The one way you can increase the value of your Propel rewards is if you also have the Wells Fargo Signature credit card. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. However, you could still be approved even if you have lower credit scores than what are recommended. Please enable JavaScript on your browser and refresh the page. All of which have annual fees of $95. Wells Fargo Propel American Express Card Account Agreement, www.wellsfargo.com/credit-cards/features/overdraft-protection, www.wellsfargo.com/checking/overdraft-services/, Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express, Save paper and time with online statements, Points that do not expire while your account remains open, Our lowest intro APR on purchases and balance transfers for 12 months from account opening, Cell phone protection helps protect your cell phone from damage or theft, Earn 20,000 bonus rewards points after spending $1,000 in purchases in the first 3 months – a $200 cash redemption value, Flights, hotels, homestays, and car rentals, Points don’t expire as long as your account remains open, Redeem points for travel, cash redemption options, Gift card redemption options currently as low as 2,500 points for a $25 gift card, No blackout dates on air travel when redeemed through, 24/7 travel and emergency assistance, and emergency cash advances, Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. NMLSR ID 399801, With the winner of NerdWallet's Best-Of Award 2 years in a row, earn. Sign-up Bonus Wells Fargo Propel American Express® Card reviews and complaints. When you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card, you'll get up to $600 of protection (subject to $25 deductible) against covered damage or theft. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. Please do not enter any personal or account information in this box. The streaming services category is more limited, restricted to the services shown below. Redemption amounts and offers subject to change without notice. Like any good travel card, there’s no fee on foreign transactions. However, it’s important to keep in mind that you may not be eligible for the introductory APRs if you opened another Wells Fargo credit card within the last 15 months of applying for the Propel card and received another introductory APR offer or bonus points. One of the biggest highlights is its Cell Phone Protection program. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. Find an ATM or banking location near you. Let us know how you like it in the comments below! For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Since your points are worth 1 cent each, you’ll be earning a cash back equivalent of 3% when spending at the 3X rate. Call your cellular provider (or sign on to their website) and request to set up automatic payments. Right now, the Wells Fargo Propel credit card is offering a welcome bonus of 20,000 bonus points after spending $1,000 on purchases within the first three months of card opening. 0.00% introductory APR for 12 months from date of account opening. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. We're sorry, but some features of our site require JavaScript. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. Annual Percentage Rate (APR) for Purchases, Annual Percentage Rate (APR) for Balance Transfers, APR for Cash Advances and Overdraft Protection Advances. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. You may not qualify for the lowest APRs disclosed above. Credit Card Insider and CardRatings may receive a commission from card issuers. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, your APR will be determined based on your creditworthiness. Who travel internationally for payment of all amounts owing on the U.S. Prime rate cardholders ( including prepaid and cards. 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