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Wells Fargo Propel® Card ($0 Annual Fee)

30K Bonus Pts
w/ $3k spent in 1st 3-Mos
+164 Deal Score
391,310 Views
Update: This offer is still available.

Wells Fargo is offering 30K bonus points when you spend $3,000 in the first 3 months with the Wells Fargo Propel American Express® Card. The annual fee is $0. Thanks iconian
  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that's a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 annual fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
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Original Post

Written by
Edited November 12, 2018 at 02:42 PM by
Wells Fargo is offering 30K bonus points when you spend $3,000 in the first 3 months with the Wells Fargo Propel American Express® Card. The annual fee is $0.
  • New! Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that's a $300 cash redemption value
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • $0 Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 14.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
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Created 07-16-2018 at 09:53 AM by iconian
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+164
391,310 Views
30K Bonus Pts

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Chase Sapphire Preferred Credit Card 50K Points w/ $4K Spent in 1st 3-Mos
Update: This offer is still available. Chase is offering 50,000 Bonus Points ($625 towards travel) w/ $4000 Spent in First 3 Months of Account Opening for their Sapphire Preferred Credit Card with $0 Intro Annual Fee for the first year, then $95. Thanks brisar Please see our forum thread for additional details and requirements. Slickdeals may be compensated by Chase.
Chase Ink Business Preferred Card 80K Points w/ $5K Spent in 1st 3-mos
Update: This extremely popular offer is still available. Chase offers the Chase Ink Business Preferred Card with 80,000 Ultimate Rewards Bonus Points after making $5,000 in purchases during the first 3 months from account opening. Thanks drdvls Card Features: Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards® Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open No foreign transaction fees Employee cards at no additional cost $95 Annual Fee Slickdeals may be compensated by Chase.
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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#46
Quote from mjspam
:
Has cell phone protection. If you pay your recurring cell phone bill with the card you are protected up to $600 from damage or theft. Have never seen that benefit on any card before. Pretty good for $0 annual fee.
So, I am curious how they navigate the stipulation of theft or damage, if I remember correctly, you cannot "lose" your phone. Seems vague on purpose.
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#47
Quote from SeanL8299
:
So, I am curious how they navigate the stipulation of theft or damage, if I remember correctly, you cannot "lose" your phone. Seems vague on purpose.
probably you will have to file a police report to prove theft, worst case scenario is they find out you tried to commit fraud and will put you to jail for a few. when there feel free to report back here and more experienced members will guide you through that situation.
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#48
Quote from baublitz
:
"That escalated quickly!" Really though lol, this is just a SD forum. Anyhow, I'm chiming in to say that I think the targeted/limited USAA Limitless VISA could possibly be considered the "only 1 card", 2.5% CB on all purchases. But one needs to have DD to a USAA checking account to qualify. And USAA period for that matter! Not easy things to get if you're not already in the system.

Last I heard, that card hasn't been offered to anyone new since January

https://www.reddit.com/r/churning...heir_usaa/

So the Alliant is the nearest thing now... anybody can get that one, though there's a $59 annual fee... (which is profitable if you spend more than 12k a year)




Quote from jwhoop
:
I am super new to all these CC reward cards. I would like to be super simple and only want to pay with one card. We take vacation every year, domestically and internationally. We currently have the Amex Preferred, which we're not happy that we have to pay $95 annual fees on. Looking for zero annual fee card at this point.

I know it's hard to choose but which card is the best fit for my case? Should I settle with this card and cancel my Amex? Thanks all

Your basic choice, if you travel, is this:

Use only 1 card. It's simple. But you're not going to get more than 2-3% back on your spending.

Or

Use 3-4 different cards, for different categories of spending.

This does require you carrying as much as an extra ounce of plastic in your wallet- but it means you can usually expect to be getting anywhere from 3-12% back on your virtually ALL your spending when using the rewards for coach airfares and hotel rooms, and as much as 25-50% back on some of your spend when used for premium airfares.


For non-travellers the choice is that one 2-3% cash card versus getting maybe 5-6% cash back by using 3-4 different cards (or 10% on a bit of it in a very specialized case).


As I've said for the folks who refuse to use more than 1 card, they're going to get a lot less rewards for making that choice- but the Alliant card is probably their best bet if that's the way they want to go.



Quote from rczrider
:
It wasn't terrible, it was just ridiculous. Just because you can't afford the vehicles, space, and infrastructure doesn't mean that it's not a real thing to someone. Not me, certainly. The basics are the same, though:
They really aren't though- because lots of people don't have the means to have an airfield, helipad, and filled 5 car garage.

But literally nobody who can get credit cards lacks the means to have and use more than 1 credit card.

Quote from rczrider
:
Well, I think this is our problem. You didn't actually read my post. You can go back to the previous page if you want, but here's the sentence: "I just want a daily driver that maximizes my rewards."
Of course I read it.

That's why I pointed out there's no such thing.

Your choice is either carry ONE card and get only 1/3rd-1/2 the rewards (or much less than that if you travel)

or carry 3-4 cards and actually maximize your rewards.

Your question was like saying "I want a jacket that maximizes comfort in every possible environment"

That doesn't exist.

You can get ones that are decent in many places- but you're not "maximizing" anything (except closet space I suppose) and it'll be significantly worse than situation-specific jackets in many cases.


Quote from rczrider
:
I want the maximum reward for the minimum effort.
Then get the Alliant card as I mentioned (unless the vast bulk of your spend is insanely specific to one or two categories).

You'll be getting significantly less than with using 3-4 different cards, but 2.5% (3% first year) is the "maximum" you can get on generic spend typically when not redeeming for travel.


Quote from rczrider
:
You have clearly done a cost-benefit analysis and determined that the return on the time you spend figuring out which cards to use is worth more than other uses of your time.

Don't get me wrong, I understand that once you get the hang of it, going through your dozen or so cards to maximize your return isn't that time-intensive. Probably second nature for folks like you.
Now who isn't reading posts? Smilie

I said 3-4 cards, not a dozen.

Most folks will "maximize" their return with the least effort doing this:

1 Non-category card (which one depends on a couple of factors)

1 rotating category card (this is usually freedom or discoverIT depending on a couple of factors)

1-2 dedicated category cards for the 1-2 categories they tend to spend often/a lot in... (which ones depend on which categories- and if you travel or not)


Quote from rczrider
:
But I don't care. I literally do not care enough.
ok.

Then as I said previous- get the Alliant card and call it a day.

https://www.doctorofcredit.com/al...t-members/
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Last edited by Knightshade July 18, 2018 at 01:23 PM.
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#49
This is only for US permanent residents not for non resident alien working on authorized Visa ...
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#50
can anyone provide a side by side break down of this card vs the chase sapphire preferred?
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#51
i have recently applied for Wellsfargo cashwise credit card and got it approved with $150 cash back offer. When i try to apply for this card i receive the below message.

It looks like you've recently taken advantage of an introductory credit card offer.
You opened a Wells Fargo credit card within the last 15 months and already received introductory terms. You are not eligible to receive the introductory APR, fees, and bonus rewards offer again. This restriction applies even if your prior account is closed or has a zero balance.


I cannot apply any other wellsfargo credit card to avail any offers for another 15 months ?
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#52
Sign up bonus us below average.
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#53
Quote from rczrider
:
This is tempting to replace my 1.5% Unlimited card.

I'm not really into the card-optimization game. I use my Discover to get 5% CB when there's nothing better from CB sites - and I have my Target REDcard - but I use my 1.5% Unlimited Chase Visa for everything else because I'm too lazy to check my rotating categories.

I already have an AmEx, but aside from the initial $300 bonus and $0 annual fee, it's nothing special.

I just want a daily driver that maximizes my rewards. AmEx is probably accepted fewer places than Visa or Mastercard, but I can't imagine that's really much of an issue.
If you're in the market for it, Paypal has a Mastercard that gives 2% cash back on everything. That's the one I use when theres no bonuses.
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#54
Quote from xuyong9719
:
1. No Foreign Transaction Fee

2. Also, if you have Wells Fargo Visa Signature, you can make this 30,000 point to $450 towards to travle
Can u explain more?
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#55
Quote from mostwantedx
:
can anyone provide a side by side break down of this card vs the chase sapphire preferred?
Both are inferior to other, better, cards for what they do.



This card for example gives you basically 3% cash on restaurants, gas, and travel, and 1% on everything else.

For most folks a 2% or 2.5% back on everything card will reap higher rewards (for the non-traveller who refuses to use multiple cards).

For the non-traveler willing to use multuple cards it's easy to beat 3% in all those categories this card gives 3% in, and use a 2% or 2.5% card for the rest.



The CSP is inferior to the CSR for travelers, since the net annual fee is only slightly lower and it not only offers 50% lower category rewards, but 25% lower portal redemption, and lacks a slew of other useful travel benefits the CSR gets you.



In both cases the signup bonus might be worth getting (though the WF one is pretty weak for the amount of spend required- and the CSP one has 5/24 and "other sapphire" restrictions you ought read up on).... but neither is really worth actually keeping and using compared to other, better, cards.
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Our community has rated this post as helpful. If you agree, why not rep Knightshade?
#56
Quote from Larpi
:
If you're in the market for it, Paypal has a Mastercard that gives 2% cash back on everything. That's the one I use when theres no bonuses.

Citi doublecash is a better choice... adds 2 years free warranty, has price protection (though the cap is lower than it used to be), and there's even a $100 signup bonus from time to time.
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#57
Does this come with insurance I don't need and applications to things I never applied to?
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#58
I like the No foreign transaction fee, cellphone insurance, 2% categories, but Amex is not widely accepted
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#59
Quote from Meribela_S
:
Can u explain more?
The points earned by this card can be redeemed towards statement credit at a fixed 1 cent/point ratio, so the 30k offer is worth $300. If you have Wells Fargo Visa Signature at the same time, you can use the points to book flights for up to 1.5 cents/point. If so, then the 30k offer is worth about $450!
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#60
Quote from kaveh2k
:
Yours is not Amex
Actually I just got off work and looked at my past emails, I applied in 2014 and the email stated "Wells Fargo Propel World American Express® Card". I don't see the word "world" on the page in reference to the specific card but I would think it's the same.....?
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