Just pulled the trigger on this card since it looks like product changes from the Propel are not happening any time soon. Will have some large recurring expenses over the next few months so will be easy to hit the SUB. Instantly approved for the card with a credit limit slightly smaller than my existing Propel. Not sure why WF doesn't want to allow product changes but I'll take their SUB to have both cards. Will likely keep the Propel long term to take advantage of the occasional AMEX offer on the AMEX connect site.