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.