wells fargo propel card credit limit

“Dining” includes restaurants and bars, but does not include bakeries, grocery stores, and other merchants that may sell food. We cannot address customer service questions here. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. Existing Propel 365 cardmembers have automatically been moved over to the new card and the card will be available to the public on July 16. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. The statement credit option will simply reduce your credit card account balance, and we typically recommend this method over cash. This information about the cost of the credit card account described in this disclosure is accurate as of November 2020. Some events may not be accessible to Cardholders with disabilities. 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. Annual Percentage Rate (APR) for Purchases, Annual Percentage Rate (APR) for Balance Transfers, APR for Cash Advances and Overdraft Protection Advances. This information may have changed after that date. Please call to activate your new card as soon as you receive it. Please refer to your offer specific disclosures for more details. This benefit does not cover cell phones that are lost (i.e. And with no annual fee, you don’t have to worry about spending minimums to make the card worth carrying. Redemptions must be in increments of 2,500 for each method, which will provide $25 in value. Right now, the Wells Fargo Propel credit card is offering a welcome bonus of 20,000 bonus points after spending $1,000 on purchases within the first three months of card opening. Deposit products offered by Wells Fargo Bank, N.A. To apply online, you’ll need a Social Security number or Individual Tax Identification Number and income information. 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. A list of these issuers can be found on our Editorial Guidelines. 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. Learn more in our Editorial Guidelines. 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. If your streaming service subscription is bundled with another product, membership, or service or billed by a third party (such as a digital platform, a cable, telecommunications, internet provider, online retailer, or in-vehicle streaming service), your purchase may not be eligible for bonus rewards points. You can rack up rewards quickly for certain purchases, such as buying gas or dining out. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. 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. 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. 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. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. Cardholders get access to a nice suite of benefits, including travel protections and up to $600 in coverage for your cell phone. All rights reserved. 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. Wells Fargo Propel Credit Card – Frequently Asked Questions by Peter August 18, 2018, 12:35 pm 1 Comment If you haven’t already, be sure to check out our Wells Fargo Propel Credit Card review first, as that covers the main points of the card. Eligibility for introductory rate(s), fees, and bonus rewards offer. See important exclusions below (on page 2 if printed). If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. That would give you a cash back equivalent of 2.5% for travel and dining, with 1.25% everywhere else. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. The responses below are not provided or commissioned by bank advertisers. 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. The Citi® Double Cash Card – 18 month BT offer (Review) is one of the best flat-rate cash back cards on the market. Plus, you can get 0% APR on new purchases and balance transfers for quite a while. Entertainment: American Express Presales offer valid in select cities. 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). The Wells Fargo Propel Card’s 3x bonus categories have drawn our attention before. Your points are always worth 1 cent each, regardless of the redemption method. You can request a credit limit increase (CLI) directly from Wells Fargo by phone or online. Before I get started, it’s important to note that I have mid 700s credit and make over $120k a year. Like any good travel card, there’s no fee on foreign transactions. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. But it also features the valuable ability to transfer your points to other programs, and excellent travel protections. During the specified sales period, tickets are available exclusively to all American Express Cardholders (including Prepaid and International Cards). 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. 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. Those points are worth 1 cent each, so you could earn as much as 3% cash back. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. We give the Wells Fargo Propel American Express® card 4 out of 5 Stars for being a solid rewards card with interesting bonus categories that include streaming services. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. 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. And as an enticing bonus, Discover will double your rewards for your first year. 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. To apply for the Wells Fargo Propel card, click on the Apply Now button below and complete the online application. Generally speaking, good credit means a credit score of 690 or better. But redeem them through the Chase Ultimate Rewards program for travel expenses and you’ll get 1.25 cents per point. Credit card subject to credit qualification. Or call 1-800-642-4720. One rewards point will be earned per $1 spent on other net purchases. Your mobile carrier's message and data rates may apply. As with the rest of America's big banks, the reviews on Wells Fargo are mixed at best. 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. For a no-annual-fee card, the rewards are very generous. Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card. 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. Offer is subject to availability. This benefit does not cover cell phones that are lost (i.e. Wells Fargo Propel American Express card benefits and perks. Wells Fargo allows you to transfer and combine your Go Far Rewards between cards. There may be other options available to protect against overdraft that may be less costly. NMLSR ID 399801, With the winner of NerdWallet's Best-Of Award 2 years in a row, earn. We may also ask for your driver's license or other identifying information. Redemption amounts and offers subject to change without notice. You’ll get access to Shop through Chase and Chase Offers with this card, where you might be able to find some useful offers with select vendors. Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Credit Card Insider has not reviewed all available credit card offers in the marketplace. Advertiser relationships do not affect card evaluations. Each approved claim has abenefit limit of $600. For specific account-related questions or comments, please visit Customer Service. The Wells Fargo Propel American Express® card doesn’t charge a foreign transaction fee, but that may not be a huge benefit overall since American Express credit cards aren’t as widely accepted overseas as other credit card networks. 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. Some promotional rewards bonus offers may include a limit on the amount of bonus points that can be earned. We review the information provided on your application and other information about your creditworthiness. 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. 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. There are no foreign transaction fees, making it a good option for those who travel internationally. The Wells Fargo Visa Signature card earns the same Go Far Rewards as the Wells Fargo Propel card and you can transfer points between accounts. Advertising partners do not edit or endorse our editorial content. 1. But, as seems to be the case with many Wells Fargo cards, this option has multiple reviews reporting being approved with credit scores between 600 and 700.A low(ish) credit score may not even be a hurdle for a five-figure credit limit, as evidenced by this reviewer’s report of getting a $15,000 credit limit … Wells Fargo Propel CLI denial at soft pull DP Just wanted to share my experience with attempting a credit limit increase on my Propel card. 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. You agree to promptly notify us if you change any contact information you provide to us. This application is for a credit card with Wells Fargo Bank, N.A. 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. But you can redeem your points in three basic ways: The cash method will deposit your point value into a Wells Fargo deposit or credit account, or provide you with a paper check. Once you finish it and submit, you’ll typically receive a decision from Wells Fargo right away. 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. Selecione Cancele para permanecer en esta página o Continúe para ver nuestra página principal en español. Customers are generally happy with the rewards they earn on multiple categories, as well as the available cell phone protection. However, you’ll get fewer protections with this card. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Not all seats are available and blackout dates apply. 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. The Wells Fargo Propel American Express card will reward you for buying gas, booking travel, subscribing to streaming services, and eating out. No exchanges. If you like, you could combine this card with the Wells Fargo Propel American Express. Content is not provided or commissioned by any credit card issuers. 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. Each approved claim has a benefit limit of $600. 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. It offers a rich bonus of 20,000 bonus points when you spend $1,000 in purchases in the first 3 months ($200 cash redemption value), the highest bonus among no-annual-fee consumer credit cards in the market. But this method requires quite a bit of planning and takes longer than the other options, without providing more value per point, so we suggest just sticking with statement credits. 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. To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. The Wells Fargo Propel American Express Card provides 3X reward points for an interesting variety of categories:. 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. Navegó a una página que no está disponible en español en este momento. 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. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. So it’s more expensive than the Propel card, with similar bonus categories. Citi Flex Plan offers are made available at Citi’s discretion. disappear without explanation). 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. The card also includes special promotional offers on new purchases as well as balance transfers. $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. If you are charged interest, the charge will be no less than $1.00. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement. 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. Unlike the Propel, the Citi Double Cash does have a foreign transaction fee. This includes your name, mailing address, e-mail addresses, or phone numbers. We may also limit the total number of open Wells Fargo credit card accounts you have. The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. 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. You can earn the equivalent of 1% to 3% cash back on your purchases, depending on what you buy. Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances). After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. WELLS FARGO PROPEL POINTS. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Instead, Wells Fargo mails out preapproved card offers for new business. However, Wells Fargo is known for less-than-stellar customer service, so you should keep that in mind before applying for a card. 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. Opens in a new window. Read this for help picking your first card and find out what to expect when you apply. There’s no annual fee along with standard shopping and travel protections. Credit Card Insider receives compensation from some credit card issuers as advertisers. 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. 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. Contact us here. 2. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. One of the biggest highlights is its Cell Phone Protection program. 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. That is advantageous because with the Wells Fargo Visa Signature your points are worth 1.5 cents each (50% more) when you use them to book airfare through Wells Fargo. 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. See the Wells Fargo Propel American Express® Card Guide to Benefits for details. You understand and agree that you will be liable for payment of all amounts owing on the account. However, if you’re looking to earn more cash back for routine purchases, like at grocery stores or wholesale clubs, the Wells Fargo Propel American Express card will be inadequate. Most credit card offers require very good credit. Allows you to use the available credit on one credit card to pay the balance on one or more credit lines or loans. 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. If you do not have a Wells Fargo Credit Card yet, you can request a balance transfer when you apply for a credit card… 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. With a higher score, you can get you lower APR and a higher credit line. Easiest methods, so the Double cash does have a foreign transaction.. Citi Flex plan is 13.99 % – 23.99 %, based on your creditworthiness do have. To service your accounts like Capital one, which banks are biggest, exclusions. Some wells fargo propel card credit limit rewards bonus offers may include contact from companies working on our content. In increments of 2,500 for each method, which banks are biggest, and more the Wells... The codes for American Express on sale to the software of the.... Fargo mails out preapproved card offers for new business the information provided content is as! The statement credit option will simply reduce your credit card Insider receives compensation from credit. Certain purchases, which will provide $ 25 in value transfers do not apply for purposes of offer. Both of you to 22.74 percentage points, based on your creditworthiness companies working on our content! Local credit unions % everywhere else enticing bonus, Discover will Double your rewards for driver... 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