Wells Fargo 5X rewards cap

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Old Feb 6, 17, 3:15 pm   -   Wikipost
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Last edit by: muji
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Churnable to get repeated 5x rewards?

Not possible
http://www.flyertalk.com/forum/22871522-post710.html

Update April 16, 2016: Still Not Churnable
http://www.flyertalk.com/forum/credi...l#post26511091
__________________________________________________ _____________

How to pay down CL quickly?
ACH push from other banks to wells fargo checking and then use that to pay credit card


Likely to get shut down if...?
- Have a negative balance
- Have a really high balance
- Cycling several times through your CL
- Calling in and getting caught by human eyes for suspicious activities.


To check what your 5X/5% window is:
In the rewards account, go to My Rewards -> Account Activity and the days left on the promo will show up at the top....looks like a pie chart.


To check which transactions get 5X/5% before your statement posts
Now, to check if new transactions are eligible for 5X before statement closes, go to "My Rewards" on the top and click "Activity" and set the start/end dates. You should see a "bonus earning" for 4% extra cash back for anything that's eligible.


Caps on 5x / 5%??
There are no more caps.


What to do when transaction not going through due to FA?
Human @ fraud prevention line is 877-575-0462 (to verify charges if locked out) (Update 3-3-15 - Phone number no longer in service per this post)
Automated response number was 800-446-0664
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Old Aug 5, 15, 4:24 pm
  #1501  
 
Join Date: May 2015
Posts: 441
Originally Posted by mattrendell27 View Post
Hey everyone. I am hoping to attempt round two of this card for my wife. I had my first attempt in May and things didn't work out so well and my CC and checking account were both shut down within a month and a half. But I think I could make a better go of it this time around.

My question: Is there any risk of adding myself as an AU if my wife is approved for this card? Will WF track it and notice that someone who they just shut down is an AU on someone else's card? Anyone have experience with this?

TIA.
Just use her card...I put xxxxxx$ on her cards every month and never issues and I'm not an AU
travelfreaks is offline  
Old Aug 5, 15, 4:32 pm
  #1502  
formerly mattrendell27
 
Join Date: Feb 2015
Location: DFW
Posts: 160
Originally Posted by travelfreaks View Post
You failed rule #1....never poop where u eat or expect ecoli.
Yes I have realized this, and in fact you also made this point when I originally posted about this a month ago. Getting old.
PeaceandPost is offline  
Old Aug 5, 15, 11:00 pm
  #1503  
 
Join Date: Dec 2014
Posts: 57
Originally Posted by mattrendell27 View Post
Yes I have realized this, and in fact you also made this point when I originally posted about this a month ago. Getting old.
LOL! Apparently that's the only thing he can say!

Last edited by MilesJunkyardDawg; Aug 5, 15 at 11:08 pm
MilesJunkyardDawg is offline  
Old Aug 6, 15, 12:52 am
  #1504  
formerly mattrendell27
 
Join Date: Feb 2015
Location: DFW
Posts: 160
Originally Posted by MilesJunkyardDawg View Post
LOL! Apparently that's the only thing he can say!
Weird since you called out this guy for BS about getting ecoli back on June 16 when I originally posted about this. Pretty hypocritical.
PeaceandPost is offline  
Old Aug 6, 15, 2:53 am
  #1505  
 
Join Date: Mar 2014
Posts: 148
Originally Posted by mattrendell27 View Post
Well I was depositing a lot of MO's with WF tellers and one time the MO read incorrectly as 99.13 instead of 999.13 so I went back through the drive-thru window and they said that someone in the "bank's back office" would have to correct the mistake. So about a week later they manually credited my account for the missing 900 but then like 3 days after that my checking was closed. And about 2 weeks after that my CC was closed. It's too bad cuz everything was going great until the misread MO happened.

It doesn't seem the amount of spending I did was what lead to cancellation. But for the record I had a 5k CL (platinum card) and was spending about 10-12k/week.

At the time depositing MO's directly at WF was what I had gathered from this thread to be the easiest and best practice to cycle the CL on this card most effectively. I now realize it's better to deposit MO's to a different checking account first and then push money to WF checking.
I for one, want to thank you for taking the time to explain your unfortunate experience. It's data points like yours that will help all of us in the future to keep churning. ^
ajhardee is offline  
Old Aug 6, 15, 4:02 pm
  #1506  
 
Join Date: Dec 2014
Posts: 57
Because IT IS BS he's spouting.

The key is mixing in the deposits, not just one way or the other.

Last edited by MilesJunkyardDawg; Aug 6, 15 at 4:19 pm
MilesJunkyardDawg is offline  
Old Aug 7, 15, 7:59 am
  #1507  
 
Join Date: Aug 2013
Posts: 712
Originally Posted by mattrendell27 View Post
Well I was depositing a lot of MO's with WF tellers and one time the MO read incorrectly as 99.13 instead of 999.13 so I went back through the drive-thru window and they said that someone in the "bank's back office" would have to correct the mistake. So about a week later they manually credited my account for the missing 900 but then like 3 days after that my checking was closed. And about 2 weeks after that my CC was closed. It's too bad cuz everything was going great until the misread MO happened.

It doesn't seem the amount of spending I did was what lead to cancellation. But for the record I had a 5k CL (platinum card) and was spending about 10-12k/week.

At the time depositing MO's directly at WF was what I had gathered from this thread to be the easiest and best practice to cycle the CL on this card most effectively. I now realize it's better to deposit MO's to a different checking account first and then push money to WF checking.
Sorry. Some people advised against even paying the card from a non-WF account though, so Idk. I have a redcard linked to a joint wf account and a serve in dh's name linked to another, so I load and transfer the funds to one of those. I hope the Serve deposits don't cause our accounts to be closed.
diseased is offline  
Old Aug 7, 15, 11:20 am
  #1508  
formerly mattrendell27
 
Join Date: Feb 2015
Location: DFW
Posts: 160
Originally Posted by ajhardee View Post
I for one, want to thank you for taking the time to explain your unfortunate experience. It's data points like yours that will help all of us in the future to keep churning. ^
you're welcome. here's to hoping for better luck next time.
PeaceandPost is offline  
Old Aug 12, 15, 1:07 pm
  #1509  
 
Join Date: Oct 2011
Posts: 54
Originally Posted by michael160 View Post
Add them as a joint owner on the checking acct. That will allow them to have their own user name login and set up a separate profile.
We were able to stop into a branch out of state and add my SO to the account as a joint owner, but I'm now having trouble finding how to set up a separate profile and user/pass for the account. Google hasn't been much help.

All the Q&A online shows is how to add 'guest' access which I don't think will allow them the relationship to open the 5x card down the road.

Any insight is appreciated.
cbender49 is offline  
Old Aug 30, 15, 2:31 pm
  #1510  
 
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 418
I am setting up online transfer from an external account inside wells fargo online account (ACH Pull) does anyone know how soon the fund will be available after I initiate the ACH pull in wells fargo online account. thanks!
coolguy100 is offline  
Old Aug 30, 15, 2:34 pm
  #1511  
 
Join Date: Jan 2010
Programs: Hilton Diamond, Marriott/SPG Platinum
Posts: 418
Originally Posted by cbender49 View Post
We were able to stop into a branch out of state and add my SO to the account as a joint owner, but I'm now having trouble finding how to set up a separate profile and user/pass for the account. Google hasn't been much help.

All the Q&A online shows is how to add 'guest' access which I don't think will allow them the relationship to open the 5x card down the road.

Any insight is appreciated.
you spouse just needs to set up him/herself with the account number/ ID etc.
you can't add guest access in your account.
coolguy100 is offline  
Old Aug 31, 15, 1:19 am
  #1512  
 
Join Date: May 2015
Posts: 441
Originally Posted by mattrendell27 View Post
Yes I have realized this, and in fact you also made this point when I originally posted about this a month ago. Getting old.
been in Thailand for past 3.5 weeks, so not on here to reply. However, you will see soon enough when you get the taps and realize you actually have ecoli
travelfreaks is offline  
Old Aug 31, 15, 11:09 am
  #1513  
 
Join Date: Jul 2013
Posts: 1,033
Originally Posted by coolguy100 View Post
I am setting up online transfer from an external account inside wells fargo online account (ACH Pull) does anyone know how soon the fund will be available after I initiate the ACH pull in wells fargo online account. thanks!
It normally tells you when you do it. If not it is the standard 3 biz days at worst
ibleed0range is offline  
Old Sep 1, 15, 2:39 am
  #1514  
 
Join Date: Apr 2013
Posts: 133
I recently received my visa signature card and verified on the my offers tab that the card was eligible for 5x grocery etc., but I'm concerned because my first charge just posted and it doesn't show any points/rewards or anything that has been discussed earlier in this forum. Do I have reason to worry?
doubleheader is offline  
Old Sep 1, 15, 9:12 am
  #1515  
 
Join Date: Apr 2005
Location: NYC
Posts: 1,437
Originally Posted by doubleheader View Post
I recently received my visa signature card and verified on the my offers tab that the card was eligible for 5x grocery etc., but I'm concerned because my first charge just posted and it doesn't show any points/rewards or anything that has been discussed earlier in this forum. Do I have reason to worry?
If you have read the wiki and followed the instructions and still don't see your rewards, then yeah you have every reason to worry.
yoyo is offline  

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