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. Offer may be changed or revoked at any time at the sole discretion of American Express. "The Wells Fargo Propel American Express® Card is, in our opinion, the best card offer from Wells Fargo. Just added info on my inquiries. AZEO is a method to make your credit look better, which yeah could influence how much they offer you. It was super simple so it was a “why not” kind of thing. This APR will vary with the market based on the U.S. Prime Rate. Please refer to your offer specific disclosures for more details. Eligibility for introductory rate(s), fees, and bonus rewards offer. 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. Navegó a una página que no está disponible en español en este momento. Meaning 20,000 Go Far points is worth $300 when redeemed for travel. So I think they're doing FICO 9. A fee charged once a year for maintaining an account and for any special services. In fact, Wells Fargo is the fourth-largest bank in the US, with over $200 billion in market capitalization.. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. We use a method called "average daily balance (including new purchases)". These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. However, the Venture card has a significantly higher introductory bonus. Cash redemption options by phone or online are redeemable in $25 increments only. 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. We will not charge you interest on purchases if you pay your entire balance by the due date each month. 23.99% to 25.99%, based on your creditworthiness. A few days ago a reader alerted me to the fact that the Wells Fargo Propel World Card was no longer listed on the Wells Fargo website. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. There are reports of users getting approved for the card with credit scores in the mid-600s, but those cases are rare. Credit Card Programs - Wells Fargo 40k/$3k-3mo Propel World & 20k/$3k-3mo Propel 365 Amex - Approved. I have no Wells 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. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. With roots in the Wild West and the earliest days of US banking, Wells Fargo has a history that goes back centuries. 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 gas rewards points is also 3x which makes this card very good. 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. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. 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 Amex also earns 3X points (4.5% cash back towards airfare) on a wider variety of purchases than the expensive Sapphire Reserve. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. Read the Wells Fargo Propel American Express Card Account Agreement. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. NMLSR ID 399801, With the winner of NerdWallet's Best-Of Award 2 years in a row, earn. 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. Please call to activate your new card as soon as you receive it. This Wells Fargo Propel vs Chase Sapphire review can help you find which points are most valuable for you when booking award flights. Out of curiosity, why does /14 matter? 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. Redemption amounts and offers subject to change without notice. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. There may be a maximum limit on the dollar amount of the rewards redemptions for cash that you can make each day at a Wells Fargo ATM. 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. The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service. 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. Your due date is at least 25 days after the close of each billing period. Deposit products offered by Wells Fargo Bank, N.A. 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. Cardholder’s approval. To apply online, you’ll need a Social Security number or Individual Tax Identification Number and income information. You are responsible for any service provider charges as a result of us contacting you. 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. Standard service charges apply. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. This information may have changed after that date. All rights reserved. We may also ask for your driver's license or other identifying information. But, a long pedigree doesn’t make the bank any less relevant to the financial industry today. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. FICO Score: 777 on Experian which is the one Wells Fargo pulled. Wells Fargo Propel American Express Card Fees & Rewards. **Certain limitations, restrictions, and exclusions apply. Wells Fargo Capital Finance is the trade name for certain asset-based lending services, senior secured lending services, accounts receivable and purchase order finance services, and channel finance services of Wells Fargo & Company and its subsidiaries. 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 are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. Some promotional rewards bonus offers may include a limit on the amount of bonus points that can be earned. 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. © 1999 - 2021 Wells Fargo. No refunds. Wells Fargo Propel Card Reviews. Let me know if there's another data point I should include. It offers solid rewards, a 0% intro period, and cell phone protection when you pay your bill with your card. Availability may be affected by your mobile carrier's coverage area. Wells Fargo pulls FICO 9, whereas the Experian app shows FICO 8. You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo ATM. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. /6 and /12 I get. If you are a married applicant you may apply for credit in your own name. Credit: Pexels. Please ask questions and contribute to the knowledge surrounding credit cards. Wells Fargo just says “good credit” is needed. Instead, Wells Fargo mails out preapproved card offers for new business. 2 weeks ago after the Uber nerf, no prior relationship and was instantly approved with a credit limit of 10k. 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. Call your cellular provider (or sign on to their website) and request to set up automatic payments. Find an ATM or banking location near you. Electronic failure or issues related to the software of the device are not covered. Tickets must be purchased with an American Express Card (including Prepaid and International Cards). If you have a joint Account, a notice to one of you will serve as a notice to both of you. Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. 0.00% introductory APR for 12 months from date of account opening. 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