Wells Fargo Propel American Express® Credit Card is one of the most famous credit card products of the Wells Fargo. Deposit products offered by Wells Fargo Bank, N.A. 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. Let me know if there's another data point I should include. The minimum dollar amount that must be paid each month before the payment due date. For Credit Card Tips from the Consumer Financial Protection Bureau. I had been scouting cards for a while and mostly needed a travel/gas card and I also have a Fidelity retirement account that I wanted to grow so I decided on the two above cards. 5. NMLSR ID 399801, With the winner of NerdWallet's Best-Of Award 2 years in a row, earn. 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. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. 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. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp.Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. That is the minimum credit score an applicant typically needs to have decent approval odds for Wells Fargo Propel. Availability may be affected by your mobile carrier's coverage area. Annual Percentage Rate (APR) for Purchases, Annual Percentage Rate (APR) for Balance Transfers, APR for Cash Advances and Overdraft Protection Advances. I used the AZEO (all zero except one) approach where I paid off two cards completely but just the statement balance on the third so that two were at $0 and the third was about 4% of its limit. This information may have changed after that date. This includes your name, mailing address, e-mail addresses, or phone numbers. See important exclusions below (on page 2 if printed). You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. 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. 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. 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. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. We will not charge you interest on purchases if you pay your entire balance by the due date each month. The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance. Meaning 20,000 Go Far points is worth $300 when redeemed for travel. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. If you have a joint Account, a notice to one of you will serve as a notice to both of you. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. 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. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology. We're sorry, but some features of our site require JavaScript. © 1999 - 2021 Wells Fargo. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. Allows you to use the available credit on one credit card to pay the balance on one or more credit lines or loans. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. The Wells Fargo Propel Amex also earns 3X points (4.5% cash back towards airfare) on a wider variety of purchases than the expensive Sapphire Reserve. Wells Fargo just says “good credit” is needed. Wells Fargo prequalification vs. preapproval. All rights reserved. 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. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. The minimum credit limit, provided you meet the terms and conditions of this offer, is $1,500.00. 250,000.00 237,500.00 5.00% cami l moran 12/04/2015 597433 wells fargo bank, n.a. Either $10 or 5% of the amount of each advance, whichever is greater. Purchases not processed using the codes for American Express mentioned above will not qualify for bonus points. AZEO is a method to make your credit look better, which yeah could influence how much they offer you. 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. Double the original manufacturer's warranty of one year or less on eligible products purchased entirely with your card, Account Services: Set up alerts and manage your card use online. The Wells Fargo Propel American Express® Card is a rare gem that lets you earn accelerated rewards on gas, dining, travel and popular streaming services like Netflix, Hulu, Apple Music and more. FICO Score: 777 on Experian which is the one Wells Fargo pulled. Electronic failure or issues related to the software of the device are not covered. 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. It wasn’t a “whole process,” it was just fully paying two cards and paying the statement on another and then applying a few days later. New Wells Fargo Propel cardholders will earn 30,000 bonus points (a $300 cash redemption value) after spending $3,000 in the first three months. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. A subreddit for discussing any aspect of credit cards. The Wells Fargo Propel is designed for people with good credit. Cash redemption options by phone or online are redeemable in $25 increments only. However, you could still be approved even if you have lower credit scores than what are recommended. You are responsible for any service provider charges as a result of us contacting you. Below are my other stats (at time of application, because I also did credit line increases on two cards after approval). "The Wells Fargo Propel American Express® Card is, in our opinion, the best card offer from Wells Fargo. Upon submitting the online application, you will receive the status of your application on the confirmation page and we will send you a confirmation email. You understand and agree that you will be liable for payment of all amounts owing on the account. The gas rewards points is also 3x which makes this card very good. A fee charged once a year for maintaining an account and for any special 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. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. Credit card subject to credit qualification. While making a balance transfer may be beneficial to you, balance transfers also may have limitations and/or fees associated with them so please consult your account agreement before making a balance transfer. Please refer to your offer specific disclosures for more details. Credit Card Programs - Wells Fargo 40k/$3k-3mo Propel World & 20k/$3k-3mo Propel 365 Amex - Approved. Current cards: (list cards, limits, opening date), Bank of America Cash Rewards Visa - $5,000 - July 2015. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. All sales final. We may also ask for your driver's license or other identifying information. disappear without explanation). Get coverage for eligible items you purchase entirely with your card if they are damaged or stolen within 90 days from the date of purchase, Extended Warranty. Getting approved for a credit card requires a little planning. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. It was super simple so it was a “why not” kind of thing. Just added info on my inquiries. 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. It is also an amazing travel card which provides 3x rewards points for flights, hotels, transits, etc. If you are charged interest, the charge will be no less than $1.00. We use a method called "average daily balance (including new purchases)". Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. 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. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant code for American Express is classified as: Travel: airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages. 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. He barely asked me any questions, put me on hold for 2 mins, came back saying that I am approved. Opens in a new window..←back to content Return to Footnote 4. You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. 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). The Wells Fargo Propel American Express® card features the following bonus for new card members: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - … Instant Approval as well! 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. 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 Amex features some nice perks for a no annual fee card, including access to free FICO scores and Cell Phone Protection. If you applied for a Wells Fargo Propel American Express(R) card, call 1-877-514-3717. 23.99% to 25.99%, based on your creditworthiness. wells fargo bank, n.a. I have no Wells For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of. No exchanges. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. For additional information on overdraft protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. Specific promotional terms and conditions will be disclosed at the time of the promotion. There are reports of users getting approved for the card with credit scores in the mid-600s, but those cases are rare. Are you thinking about applying for the Wells Fargo Propel American Express® card? Wells Fargo is among the few banks that don’t offer prequalification as a way to learn whether you might be eligible for a credit card without hurting your credit score. This APR will vary with the market based on the U.S. Prime Rate. So I think they're doing FICO 9. Wells Fargo Propel Card Reviews. You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo … Please call to activate your new card as soon as you receive it. Edit: Credit score according to the Wells Fargo letter I just got in the mail was 782. If you are a married applicant you may apply for credit in your own name. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. Editor’s note: This post has been updated with the most current card information.It was originally published on July 23, 2018. To find out what may have changed, call 1-866-568-6521. Wells Fargo Propel Instant Approval Data Point Yesterday morning I applied for the Wells Fargo Propel to replace my nerfed Uber Visa, and received an instant approval with a credit line of $7,500. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Coverage does not cover cell phones that are lost ( i.e be other options to. The promotion conditions of the keyboard shortcuts charged interest, the confirmation page and email will also display credit. But my Propel application letter said it 's regional average daily balance including! 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