Chase probably won’t give you a card until your oldest cc account is 1 yr old, so I doubt there is actually a decision to make here. I would wait until 1 year passes to get the CFF. Second this. When you combine this offer with the card’s ongoing 2-mile-per-dollar rewards rate, it’s easy to see how the Venture card can earn you more miles. The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. I had a checking account with them for about a month when I applied for the CFF. Wells Fargo. Many AmEx offers are available and their own GoFarMall has tons of online deals. It is important to pay them in full and on time. This is my main driver. I'm looking at a third, more general purpose card and was eyeing these two. Wells Fargo Bank, N.A will charge the flat fee and any additional fees to Your Wells Fargo Propel American Express Card. Just my personal opinion, I’ve had the card almost three years now, never had a problem, but the only down side is … ATM transactions, cash advances of any k… For your security, we do not recommend using this feature on a shared device. Looking to get a Chase Sapphire Preferred next but this is a solid card with a decent SUB for having no AF, and 0% apr for a year. Then I would go with the WF propel. 10. When your credit ages, start looking only at cards with $500+ SUBs and don’t stress the AFs because you can downgrade or cancel after 1st year. At first I wanted a general cashback with a flat rate to complement, but I think I'm open to a second category card. Unless you have deposit accounts with them, then maybe. Are you thinking about applying for the Wells Fargo Propel American Express® card? Press question mark to learn the rest of the keyboard shortcuts. Wells Fargo Propel American Express ® Card Terms and Conditions. You should be approved with a score like that. Thanks, well there are enough replies on here saying the same thing about Chase so I'm accepting my fate there, LOL. Bringing over 20 years of experience, Roderick joined Bank of America Merrill Lynch in 2018. 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. I again asked to double my credit line (from $7,500 to $15,000). If the survey is a reflection of their plans, they plan to keep the 3x gas, but also add 3x … Since your credit history is very thin, I doubt you will get approved for either card since the FICO score won’t be as substantial. This will give you a minimum of 2% back on things like your groceries at all times and then 3% on the relevant categories. 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. A subreddit for discussing any aspect of credit cards. Finally, especially during COVID-19, Wells Fargo Rewards has been dropping silent offers (activation required) where the first purchase of the listed category is 10% cash back up to $40. Got denied, called the recon line, then got approved. I've been thinking about this card for a while now and pulled the trigger last night. Opens in a new window..←back to content Return to Footnote 4. 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. We want your money to work harder for you. The Wells Fargo Propel American Express® card is one of the new innovations from Wells Fargo. I was eyeing this card, but since I was purchasing a phone soon I figured I might as well find a card with a SUB? According to the memo, Wells Fargo will be revamped to earn 3x on travel and dining, with 1x everywhere else. I've mainly been looking at these two, but also considering the Freedom Unlimited. BOA likes applicants to have at least a relationship with them but totally agree that OP needs that one year of credit history before applying for the CFF as they do look into that ,only way to possibly break this is having a relationship with them as well and applying inside a chase branch but of course YMMV. End of popup. 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. It's a great daily card. If you are into maximizing cash back and are willing to work for it, then CFF is a better card. Worrying about 1-1.5-2% on uncategorized spend is largely a waste of time if you are willing to maximize spend. Enter your username and password to securely view and manage your Wells Fargo accounts online. Wells Fargo Propel Survey Similar to the Southwest card survey another user posted a couple of weeks ago, I took an online survey about the WF Propel AMEX. The memo is regarding the no-annual-fee Wells Fargo Propel card (not the Propel World) which currently earns 3x gas, 2x restaurants, and 1x elsewhere. Also, would having a history banking with WF help land the Propel? For example, if you have a $6 purchase, you can redeem $6 to erase it. Password. Would recommend you to consider a beginner credit card like the Bank of America Cash Rewards which is very good on its own with 3% cash back in one category of your choice and 2% in groceries/wholesale clubs. They seem pretty competitive to me, but I'm sorta giving Chase a slight edge due to the MasterCard over Amex (although I don't care THAT much about availability since I could always fall back to my debit card), and I'm hoping with two rotating bonus cards between this and the Discover I'll have more opportunities to maximize rewards. Seems like diminishing returns after a while, but I see what you mean if canceling after a year doesn't ding my score. Worldwide Travel Inconvenience Insurance: Lost or Damaged Baggage Provides coverage in excess of other insurance for a reimbursement due to a travel inconvenience caused by lost or damaged baggage. 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. Press question mark to learn the rest of the keyboard shortcuts. All things considered: 10/10 would recommend. 1.75 cents per point if you have the Wells Fargo Visa Signature, redeem for airfare and spend at least $50,000 on purchases in a year. For example, right now I'm refraining from going to the grocery so I can do a $400 purchase of groceries I would normally get (usually I spend $200/month). This is an easy system to track as well. Username. While the bonus isn't amazing owning a no annual fee wells Fargo card is a must for the cell phone insurance. I've only seen $500+ SUBs on cards that cost more than $500/year like the CSR. Then apply for CFF. Obviously that shouldn't be the only reason to get the card, but it plays a role in terms of how long it would take for the 2% back to catch up to say the WF Propel that already has a decent spread at 3%. If you spend a lot on the rewards categories, it won’t take long to rack up points with this card. Press J to jump to the feed. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. I'm 27 and only have had credit for 1 year and 5 months. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. According to court documents, the defendant was a senior attorney at the Federal Deposit Insurance Corporation (FDIC) until September 2014. If you're really trying to get a new card asap, I am sure Amex will approve you for the BCE. I personally would suggest going with a 2% flat cash back card first like the citi double cash or PayPal MasterCard so you get 2% minimum on everything. 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. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. Most credit card offers require very good credit. Save Username Checking this option will open a popup after 2 second. The minimum recommended credit score for this credit card is 700. 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 … You get $ 600 cell phone bill with the card and was eyeing these two CC to build up credit! 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