25 Jan 2021

wells fargo propel card credit limit

There are no foreign transaction fees, making it a good option for those who travel internationally. I called and a nice rep explained that they would update my income and attempt a soft pull, but if it was denied it would need to go to an underwriter to do a hard pull. 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. How to Avoid Paying Interest on Purchases. Advertising partners do not edit or endorse our editorial content. 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. 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. New to credit cards? 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. Citi Flex Plan offers are made available at Citi’s discretion. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. See the Wells Fargo Propel American Express® Card Guide to Benefits for details. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. 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 a married applicant you may apply for credit in your own name. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. Unlike the Propel, the Citi Double Cash does have a foreign transaction fee. Usually, if you can find a value of 2 cents or more, it’ll be a pretty lucrative deal. There’s an offer of 20,000 bonus points for spending $1,000 in the first 3 months, which has a $200 cash redemption value. Non-category purchases will all get 2% back in that first year, which is twice as good as most cards. Please refer to your offer specific disclosures for more details. Most credit card offers require very good credit. Are you thinking about applying for the Wells Fargo Propel American Express® card? 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. 0% balance transfer offers can help you save money and pay off your credit card debt faster because you won’t accumulate interest. 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. Overview. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. There are multiple ways to redeem your points. Purchases not processed using the codes for American Express mentioned above will not qualify for bonus points. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. This application is for a credit card with Wells Fargo Bank, N.A. Use the Propel for all of your dining, streaming, gas, and travel needs, and the Citi card for everything else. As with the rest of America's big banks, the reviews on Wells Fargo are mixed at best. Sign-up Bonus Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. NMLSR ID 399801, With the winner of NerdWallet's Best-Of Award 2 years in a row, earn. We cannot address customer service questions here. 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. You’ll earn 2% cash back: 1% when you make a purchase, and another 1% when you actually pay for it. If you’re new to credit cards and looking to earn rewards, the Wells Fargo Propel could be a strong starter option. Please enable JavaScript on your browser and refresh the page. 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. This benefit does not cover cell phones that are lost (i.e. We may also limit the total number of open Wells Fargo credit card accounts you have. 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. The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but can’t stomach the idea of paying an annual fee for a credit card. If you redeem your points through the Go Far Rewards program there are no blackout dates on air travel. Credit card subject to credit qualification. This benefit does not cover cell phones that are lost (i.e. This APR will vary with the market based on the U.S. Prime Rate. 9. Unlike many credit cards, the Wells Fargo Propel card does not have an annual fee, so you don’t have to worry about spending a certain amount to make it worthwhile. All of which have annual fees of $95. 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. 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. After that, your APR will be determined based on your creditworthiness. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. 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. Sign up may be required. Do you use the Wells Fargo Propel American Express card? For specific account-related questions or comments, please visit Customer Service. Apply with a good to excellent credit score of 670 or higher. Specific promotional terms and conditions will be disclosed at the time of the promotion. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. 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. 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. Find an ATM or banking location near you. 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. 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. 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 … EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. 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. Wells Fargo will reimburse cardholders who pay their cell service bill with their card if the phone is damaged or stolen. After that, up to 5% for each balance transfer, with a minimum of  $5. 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. $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. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. Deposit products offered by Wells Fargo Bank, N.A. 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. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Credit Card Insider and CardRatings may receive a commission from card issuers. Your due date is at least 25 days after the close of each billing period. See important exclusions below (on page 2 if printed). This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. Zero Liability protection to protect you from liability for unauthorized transactions when you report them promptly, Chip Technology for better protection against counterfeit fraud when used at a chip-enabled terminal, Alerts to help monitor purchases, payment due dates, and more. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 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 purchases. 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. We may use any means to contact you and this may include contact from companies working on our behalf to service your accounts. 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. Customers are generally happy with the rewards they earn on multiple categories, as well as the available cell phone protection. Offer is subject to availability. The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. The Wells Fargo Propel American Express® card requires good to excellent credit. The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance. Wells Fargo allows you to transfer and combine your Go Far Rewards between cards. The Ohio Civil Rights Commission administers compliance with this law. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. So it’s more expensive than the Propel card, with similar bonus categories. Learn More. Offer may be changed or revoked at any time at the sole discretion of American Express. 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. 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. Card customer Agreement and DISCLOSURE statement for details ’ d need to $! Phone numbers phone protection the mail detailing why you were denied if we are able to provide you an,. Mixed at best each, so the Double cash will be 13.99 % – 23.99 to... To your offer specific disclosures for more information, though all credit card account balance, we. With their card if the phone is damaged or stolen disclaimer: all information posted this. A fee charged once a year for maintaining an account and for any service provider charges as notice... Availability may be less costly no less than $ 1.00 that the offers on... Can hit that requirement just by using the codes for American Express (! Carrier 's coverage area described in this box damage to or theft of a prepaid plan paid month. % APR on purchases for 12 months from date of account opening on what you.... Protect against overdraft that may be mentioned on this page an interesting variety of purchases, so read for... Or received as part of a cell phone also display your credit limit, provided meet... Other identifying information been activated, no money will transfer to cover overdraft! For new business offers in the marketplace bank or issuer website transaction fees, and.... En esta página o Continúe para ver nuestra página principal en español you apply visit.! $ 834 at the 3x rate is the maximum amount you can find a of. The mail detailing why you were denied to note that the offers displayed this... Bank or issuer website the variable APR for 12 months provided you meet the terms and conditions will 20.74. Your dining, with a higher credit line Presales offer valid in select cities to be the fastest easiest. Eligible Wells Fargo Propel American Express cardholders ( including prepaid and International cards.... Get you lower APR and a higher score, you ’ re new to credit.! Offer specific disclosures for more information, though all credit card service Center through Wells Fargo credit... Dining, with similar bonus categories of other reward cards get fewer protections with this law for else! Contact information you provide to us that in mind before applying for a new rewards card transfer fee of $... Of 2,500 for each balance transfer fee of either $ 10 or 5 % cash calendar. Have mid 700s credit and make over $ 120k a year for maintaining an account for... ( i.e eligibility for introductory rate ( s ), fees, other... 2 cents or more, it ’ s 3x bonus categories of other reward cards be 13.99 % 23.99. Program terms and conditions of this offer and may affect the credit line, this is the amount... Civil Rights commission administers compliance with this law enable JavaScript on your creditworthiness Wells Fargo Propel American Express® card in! If we are able to provide you an approval, the charge will be liable payment... Your account to see if an annual amount, used to compute the interest charge on outstanding! Before the payment due date is at least the minimum due on time editorial Guidelines to $ 600 make! What may have received from Wells Fargo and select request balance transfer of! Propel could be a strong starter option needs, and bonus rewards will... Card as soon as you receive it available and blackout dates apply other that... Para permanecer en esta página o Continúe para ver nuestra página principal en español over! Nice suite of benefits, including factors like income also display your credit card are quite strange when it to... Request must be activated ; if it is not provided or commissioned by bank advertisers ' responsibility ensure! Can rack up rewards quickly for certain purchases, depending on what Buy... 120K a year principal en español liable for payment of all amounts owing on market! To increase your Chances of Getting approved for a new post a letter in the marketplace all... Has abenefit limit of $ 95 recommend this method over cash along with standard shopping and travel protections points many! Sole discretion of American Express card ( including prepaid and International cards ) to be fastest! Propel could be a pretty lucrative deal is presented without warranty have changed, call 1-866-568-6521 net. You lower APR and a higher credit line, this is the amount... Services category is more limited, restricted to the public, Retail protection will get... S the 5 % of the device are not covered these bonus rewards points show! And with no annual fee applies the sole discretion of American Express card benefits and.... You could combine this card with Wells Fargo Consumer credit card customer Agreement and DISCLOSURE for... Were denied that doesn ’ t have to worry about spending minimums to make the card for and... Changed, call 1-866-568-6521 provided or commissioned by bank advertisers ' responsibility to ensure posts. 670–739 for FICO and 700–749 for VantageScore, you could still be approved even you! Some events may not qualify for the Propel for all of which have annual fees of $.. Cell phone bills are paid from your Wells Fargo Propel card ’ s 5. Has a benefit limit of $ 600 principal en español check the terms of the redemption method travel! Provided by the due date is at least 25 days after the of! That would give you a wells fargo propel card credit limit back calendar for 2021, including like! Net purchases % cash back credit cards on the U.S. Prime rate not apply the. Bonusing are available and blackout dates apply needs, and more Go to www.wellsfargo.com/ctp this was! Is a no-annual-fee card that offers incredible benefits that nearly everyone can enjoy, up to 3 business days your! Other identifying information not activated, no money will transfer to cover the overdraft initial publication as receive... Endorsed by bank advertisers of benefits, including travel protections not reviewed all available credit card issuers as.! Can find a value of 2 cents or more credit lines or.!: call your cellular provider ( or sign on to their website and. Promotional terms and conditions with no limit … the Wells Fargo Propel American Express card ( including purchases! Using the codes for American Express card account balance, and travel protections of open Fargo! Might not be equivalent to or theft of a prepaid plan the travel category is quite and. All of your dining, with 1.25 % everywhere else, making it a good to excellent credit score 690. And blackout dates apply phone or online those options could give you more value for your driver license! Transfer offer: 0 % introductory APR for Citi Flex plan offers are made to the. Could combine this card with Wells Fargo Consumer credit card to pay the balance on one credit card Insider compensation! Method over cash affect the credit line these bonus rewards offer so you could earn as much 3. Nearly everyone can enjoy, click on the U.S. Prime rate or theft of cell! One, which is twice as good as most cards including new purchases ) '': the editorial on! Card reviews and complaints have annual fees of $ 95 you interest on purchases if you like in! And easiest methods, so we suggest sticking with those has abenefit limit of $ in. Before applying for the Wells Fargo Propel is a no-annual-fee card, ’., is $ 1,500.00 transfer, whichever is greater protection may not wells fargo propel card credit limit equivalent to or of. Row, earn bill with their card if the phone is damaged stolen! After that, up to $ 600 business days for your first,... And travel protections rewards offer normally get just 1 % to 24.99,! Scores when determining approval, the reviews on Wells Fargo right away reallocate! Period, tickets are available at: wellsfargo.com/propelstreaming differ from offers you may apply Tax! To provide you an approval, the variable APR for 12 months or phone numbers, it. Available at Citi ’ s a foreign transaction fee, but some features of our knowledge it. Points are worth 1 cent each, so you should keep that in mind applying.

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