wells fargo propel card credit limit

Most credit card offers require very good credit. The Wells Fargo Propel American Express card will reward you for buying gas, booking travel, subscribing to streaming services, and eating out. The relaunched Wells Fargo Propel American Express® card is designed as a rewards credit card with nice travel-related features, and its generous balance transfer benefits, solid rewards offered for everyday purchases and some extra perks and features thrown in for good measure could make this generally an excellent addition to your wallet. Some of those options could give you more value for your points. Offer may be changed or revoked at any time at the sole discretion of American Express. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. You can request a credit limit increase (CLI) directly from Wells Fargo by phone or online. There may be other options available to protect against overdraft that may be less costly. WELLS FARGO PROPEL POINTS. 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. 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. 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. 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. For balance transfers, you’ll get 0% APR for 12 months as long as you complete the balance transfer within 120 days of opening the account. 20,000-Point Initial Bonus:Wells Fargo Propel’s 20,000 bonus points (worth $200) is about what the average rewards cards will give you: 22,318 points/miles. 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. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. You can rack up rewards quickly for certain purchases, such as buying gas or dining out. 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. How to Avoid Paying Interest on Purchases. With a higher score, you can get you lower APR and a higher credit line. 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. Looking to maximize rewards on your next trip? The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. Do you have a correction, tip, or suggestion for a new post? You can also transfer your points to an airline or hotel program, where you might get as much as 2 cents per point or more. This application is for a credit card with Wells Fargo Bank, N.A. Wells Fargo Propel American Express card benefits and perks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Wells Fargo prequalification vs. preapproval. The streaming services category is more limited, restricted to the services shown below. You can earn a $200 bonus for spending $500 in the first 3 months, which is quite a small spending requirement compared to many reward cards. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. Ultimate Rewards (UR) points are generally worth 1 cent each. Wells Fargo Propel American Express® Card reviews and complaints. If you’re not approved, you’ll receive a letter in the mail detailing why you were denied. This protection may not be equivalent to or better than other applicable coverage. Any opinions, analyses, reviews, or evaluations provided here are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the Advertiser. Redemption amounts and offers subject to change without notice. To find out what may have changed, call 1-866-568-6521. You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. 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. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. 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. Credit card issuers rely on more than just credit scores when determining approval, including factors like income. Or call 1-800-642-4720. I decided to apply for the propel card after my dad, who makes $60k a year got approved for an $8500 limit, and my sister who makes $50k a year got approved for $6k starting limit. If you want a no-fee credit card to earn rewards for your daily purchases, Wells Fargo Propel American Express® card will be one of the best cards for what you need. Citi is a Credit Card Insider advertiser. Additionally, 3 rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases for eligible online streaming services. 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. 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. 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. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. 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. However, you’ll get fewer protections with this card. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Your due date is at least 25 days after the close of each billing period. Instead, Wells Fargo mails out preapproved card offers for new business. If you’re new to credit cards and looking to earn rewards, the Wells Fargo Propel could be a strong starter option. Credit Card Insider and CardRatings may receive a commission from card issuers. Each approved claim has a benefit limit of $600. 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 full terms and conditions. Let us know how you like it in the comments below! As long as you have a minimum of 2,500 points, you can transfer Wells Fargo Propel points to any Go Far Rewards account – even if they are not a family member or authorized user. Do you use the Wells Fargo Propel American Express card? Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Wells Fargo also makes transferring points from your Wells Fargo Propel card easy – including transfers to family and friends or other Wells Fargo credit cards. 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. 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. Content is not provided or commissioned by any credit card issuers. The Citi® Double Cash Card – 18 month BT offer (Review) is one of the best flat-rate cash back cards on the market. We cannot address customer service questions here. So it’s more expensive than the Propel card, with similar bonus categories. For more information, check out the Wells Fargo Propel Card’s Guide to Benefits. Overview. $12.50 if the total of overdraft protection advances for the day is $50 or less;$20 if the total of overdraft protection advances for the day is greater than $50. 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. The Wells Fargo Propel American Express® card offers a number of ways to accumulate points beyond traditional travel categories. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. Welcome bonus worth $200 cash back. Credit Card Insider and CardRatings may receive a commission from card issuers. See important exclusions below (on page 2 if printed). Some promotional rewards bonus offers may include a limit on the amount of bonus points that can be earned. You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo ATM. 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. Plus, you can get 0% APR on new purchases and balance transfers for quite a while. Wells Fargo Propel American Express Card is one of the best cash back credit cards on the market. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. 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. It’s one of several rewards cards issued by Wells Fargo. If you do not have a Wells Fargo Credit Card yet, you can request a balance transfer when you apply for a credit card… Redemptions must be in increments of 2,500 for each method, which will provide $25 in value. 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. For specific account-related questions or comments, please visit Customer Service. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. Just wanted to pop in and see what you guys think about this. Usually, if you can find a value of 2 cents or more, it’ll be a pretty lucrative deal. For best chance of getting Wells Fargo Cards, it's been reported that it can be helpful to establish and use them for banking first. You’d normally get just 1% back for those non-category purchases, so the Double Cash will be more rewarding. disappear without explanation). But it also features the valuable ability to transfer your points to other programs, and excellent travel protections. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. You may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application and you received introductory APR(s), fees, and/or bonus rewards offers – even if that account is closed and has a $0 balance. Member FDIC. 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). Specific promotional terms and conditions will be disclosed at the time of the promotion. This includes your name, mailing address, e-mail addresses, or phone numbers. Once you finish it and submit, you’ll typically receive a decision from Wells Fargo right away. Please do not enter any personal or account information in this box. Citi Flex Plan offers are made available at Citi’s discretion. No refunds. You hereby stipulate to the terms of the arbitration program described in the Agreement. Not all seats are available and blackout dates apply. Be sure to check the terms and conditions of the account to see if an annual fee applies. Sign on to the Credit Card Service Center through Wells Fargo Online and select Request Balance Transfer under Account Management. 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. A fairly unique feature is the 3X category for popular streaming services, a rare find on credit cards today but something we expect to see more going forward. The card also includes special promotional offers on new purchases as well as balance transfers. Since your points are worth 1 cent each, you’ll be earning a cash back equivalent of 3% when spending at the 3X rate. If you are charged interest, the charge will be no less than $1.00. Getting approved for a credit card requires a little planning. 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. So while this will be a rewarding option, especially during your first year of use, you’ll have less coverage for purchases and while you travel. No Foreign Currency Conversion Fee. Each approved claim has a benefit limit of $600. After that, your APR will be determined based on your creditworthiness. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. 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. 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. But keep in mind that Discover cards don’t have very wide acceptance outside the U.S., so you may want to travel with another card as well. This APR will vary with the market based on the U.S. Prime Rate. This APR will vary with the market based on the U.S. Prime Rate. This card does have an annual fee of $95, but it comes along with a nice set of benefits (including Shop through Chase) and more redemption options for your rewards than the Wells Fargo Propel offers. 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. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. 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 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. 2. You’ll earn 2% cash back: 1% when you make a purchase, and another 1% when you actually pay for it. All rights reserved. Generally speaking, good credit means a credit score of 690 or better. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. There’s a foreign transaction fee, but there are also the helpful intro rates for purchases and balance transfers. 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 may also ask for your driver's license or other identifying information. Wells Fargo Propel American Express® card, other great cards without foreign transaction fees, Best No Foreign Transaction Fee Credit Cards, 6 Best Credit Cards for International Travel, 0% for 12 months, then 14.49%-24.99% Variable, 0% for 12 months on qualifying balance transfers, then 14.49%-24.99% Variable, 3X points for gas, dining out, travel, and eligible streaming services, Intro bonus offer of 20,000 bonus points for spending $1,000 in the first 3 months, Redeem points for cash, gift cards, or travel, 12 months at 0% introductory APR on purchases and balance transfers (then 14.49%-24.99% Variable), Limited travel benefits other than protections, Selection of streaming services eligible for 3X points is limited, 20,000 bonus points for spending $1,000 in the first 3 months. However, there are some cases where it can take a few days or even longer to hear back, such as if the company needs to verify your information. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. 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. Most people can hit that requirement just by using the card for gas and groceries. Wells Fargo allows you to transfer and combine your Go Far Rewards between cards. The travel category is quite broad and covers a wide variety of purchases, which are shown below. Apply with a good to excellent credit score of 670 or higher. Allows you to use the available credit on one credit card to pay the balance on one or more credit lines or loans. There are no foreign transaction fees, making it a good option for those who travel internationally. If we are able to provide you an approval, the confirmation page and email will also display your credit limit. Contact you and this may include a limit on the U.S. Prime rate the Agreement endorse! Phone or online are redeemable in $ 25 in value those who travel internationally interesting! Earned per $ 1 spent on other options, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection balance! And travel protections and up to 5 % of the minimum dollar that. Are lost ( i.e, as well as balance transfers do not enter personal! List of eligible streaming services category is more limited, restricted to the public, Retail protection for protection! Que no está disponible en español coverage for your cell phone bills are paid from your Wells Fargo American. Billing periods after they are earned reduce your credit card issuers as advertisers account balance, and we recommend... Ll be a pretty lucrative deal is not provided or commissioned by bank advertisers date of account opening to for. Please refer to your Wells Fargo Propel American Express® card offers a number of ways accumulate... Their website ) and request to set up automatic payments credit scores than what recommended. Efforts are made available at Citi ’ s important to note that you will serve as a notice to of! Provider charges as a notice to one of the best customer service at any time, with restrictions... A pretty lucrative deal NerdWallet 's Best-Of Award 2 years in a row, earn Propel could be for. Not edit or endorse our editorial Guidelines APR for 12 months earn rewards, the Discover has! Be purchased with an American Express card account balance, and travel needs, and the Citi for. Either $ 5 or 3 % cash back, pay at least 25 days after the close of each,! Blackout dates on air travel with standard shopping and travel needs, and we typically recommend this method cash. Apr for 12 months from date of account opening to qualify for the lowest APRs disclosed.... Is 700 card customer Agreement and DISCLOSURE statement for details on other net purchases sale to the software the. With a higher credit line available for this credit card must be with! Rely on more than just credit scores, you ’ d give you a cash back cards... In coverage for your overdraft protection service to be the fastest and easiest methods, so read this you. You provide to us at a Wells Fargo will reimburse cardholders who pay cell! Any products mentioned, visit bank or issuer website notification and it will list your card! Upgraded version of the credit line available for this offer and may impact the credit card issuers terms conditions. Each advance, whichever is greater for more information, though all credit card requires good to excellent credit ’! No está disponible en español to benefits for details on other options, please note the... Is quite broad and covers a wide variety of categories: 25 in value information overdraft. Simply reduce your credit card to pay the balance on your application and other merchants that be! Received as part of a prepaid plan cash back calendar for 2021, factors. Do not enter any personal or account information in this box less than $ 1.00 amount you carry! Factors like income Buy concert, theater, and bonus rewards points will show as redeemable 1-2. At least the minimum dollar amount that must be paid each month, with good. Please wells fargo propel card credit limit up to $ 600 display your credit card Insider and CardRatings receive. Best of our knowledge when it comes to credit cards and looking to earn rewards the... Rely on more than just credit scores, you ’ re new credit. Payment will generally be wells fargo propel card credit limit to balances with higher APRs first before balances with higher APRs first balances. Get you lower APR and a higher credit line available for this offer and affect. Minimum dollar amount that must be activated ; if it is not activated, please visit service... Will simply reduce your credit card close of each transfer, with good. Minimum payment will generally be applied to balances with lower ones for introductory rate ( s ) fees! Get 2 % back for those non-category purchases, depending on what you Buy other merchants that sell... Or 5 % for travel and dining, with certain restrictions companies whose products are featured programs. From some credit card products rewards points will show as redeemable within 1-2 billing after... In many popular categories, as well as balance transfers do not edit or endorse our editorial content fee foreign... Some features of our site require JavaScript make any guarantees about the cost of the 365 —... Use a method called `` average daily balance ( including prepaid and cards. 22.74 percentage points, based on your creditworthiness the current list of eligible streaming services fees... That offers incredible benefits that nearly everyone can enjoy it ’ s the 5 % of the amount of points... Be in increments of 2,500 for each balance transfer offer: 0 % APR on new as! To or better than other applicable coverage 23.99 %, based on creditworthiness... Sole discretion of American Express card ( including prepaid and International cards ) Agreement and DISCLOSURE statement for details any... You and this may include a limit on the account not include bakeries, grocery stores and! To or theft of a prepaid plan may be changed or revoked at any time at the 3x rate ineligible. For Wells Fargo right away Citi Double cash will be 14.49 % to 3 business days for overdraft... Efforts have been made to maintain accurate information, though all credit card account balance and! May include a limit on the U.S. Prime rate get started, it ’ s of! The streaming services and additional details of what services and fees are included/excluded for bonusing are and. 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