May 21, 2014, 10:21 am
Last edit by: Superorb
These are Amex-network cards, issued and administered by Wells Fargo. American Express acts as the transaction processing network, in the same way that VISA process transactions for other Wells Fargo cards. Amex-network cards do not count against your four credit card limit with American Express, nor will you deal with American Express customer service.
There have been several data points that people on work visas don't qualify, only US citizens and permanent residents do. However some people with visas have also received this card.
If you have some relationship with wells fargo, less verification info is asked so keeping a checking with WF can be a good way to improve your chances.
Wells fargo also restricts CC signup bonuses to 1 per person lifetime. Some people have also reported one per address so YMMV.
You can have both types of Propel cards open simultaneously.
It easily takes 90-120 days after meeting the spend for the bonus to post.
Airline Fee Credit
Once per anniversary year.
It appears that one can wait until after the annual fee is charged, the get a second reimbursement of an airline expenditure, and then cancel to get the annual fee refunded.
Examples of airline related charges that have been reimbursed:
1. Gift cards of most airlines
2. BA award ticket taxes
3. AA award ticket taxes (booked via phone)
4. LH award redeposit fee (charged via phone)
5. Amazon GC through UA shopping app.
Examples of airline related charges that have NOT been reimbursed:
1. AS award date change fee ($125, charged online)
There have been several data points that people on work visas don't qualify, only US citizens and permanent residents do. However some people with visas have also received this card.
If you have some relationship with wells fargo, less verification info is asked so keeping a checking with WF can be a good way to improve your chances.
Wells fargo also restricts CC signup bonuses to 1 per person lifetime. Some people have also reported one per address so YMMV.
You can have both types of Propel cards open simultaneously.
It easily takes 90-120 days after meeting the spend for the bonus to post.
Airline Fee Credit
Once per anniversary year.
It appears that one can wait until after the annual fee is charged, the get a second reimbursement of an airline expenditure, and then cancel to get the annual fee refunded.
Examples of airline related charges that have been reimbursed:
1. Gift cards of most airlines
2. BA award ticket taxes
3. AA award ticket taxes (booked via phone)
4. LH award redeposit fee (charged via phone)
5. Amazon GC through UA shopping app.
Examples of airline related charges that have NOT been reimbursed:
1. AS award date change fee ($125, charged online)
Wells Fargo 40k/$3k-3mo Propel World & 20k/$3k-3mo Propel 365 Amex
Aug 13, 2015, 10:13 am
#646
Join Date: Apr 2013
Posts: 584
I was offered the opportunity to do this but elected not to.
Aug 18, 2015, 10:14 pm
#647
Join Date: May 2011
Location: MYR
Programs: spirit elite, MRgold Hilton Gold
Posts: 454
I called an canceled the card August 2nd which was a Sunday af had not yet posted to the acct. noticed today the af did post with a date of July 31. Am I on the hook for the annual fee? I waited right up to the date so I could take advantage of using the $100 credit again.
Aug 20, 2015, 4:10 pm
#649
Join Date: Jul 2014
Posts: 4
Does anyone know if the Propel 365 AMEX uses the AMEX merchant classification system? Specifically, I know 7-11 purchases do not count as "gas" for AMEX cards but do for VISA/MC. Has anyone used the Propel 365 at 7-11 and gotten 3x because it was classified as "gas"?
Aug 20, 2015, 10:41 pm
#650
Join Date: Feb 2011
Posts: 751
The transactions are processed on the AMEX network, so yes, this AMEX card uses the AMEX merchant classification system
Aug 28, 2015, 1:38 pm
#652
Join Date: Feb 2013
Location: CMH, West Coast
Programs: AA Executive Platinum, oneworld emerald
Posts: 2,741
Yep. This card is just ridiculous, and I probably would have not applied had I known I would be growing old waiting for my bonus points to post. I applied on 5/15, received the card a week later, met spend, and it's now 8/28 and no bonus points.
Aug 29, 2015, 2:04 pm
#653
Join Date: Feb 2011
Posts: 27
Help!!!
After reading people here getting airline credit, $100, I purchased gift cards after AF was posted in my account. After the credit was posted in my account, I called and closed the account. The customer support promised to close account and waive or credit AF so there won't be a balance carried over. However, After two months, no credit is posted and I keep being charged for late fee and interest charges.
I was out of the U.S. for the past 7 months and just came back. I called today trying to figure out what happened. Then the customer service said I had transaction after AF was posted, which was the one for airline credit, $100, so he said I need to pay for AF regardless if it is closed now or not.
What are your cases here? Can anyone share what they did and if the account is closed without carrying over the balance of AF after using the airline credit?
If I refuse to pay for it, does that mean I will be reported to the credit agency which will impact my credit score?
Thanks for any feedback.
After reading people here getting airline credit, $100, I purchased gift cards after AF was posted in my account. After the credit was posted in my account, I called and closed the account. The customer support promised to close account and waive or credit AF so there won't be a balance carried over. However, After two months, no credit is posted and I keep being charged for late fee and interest charges.
I was out of the U.S. for the past 7 months and just came back. I called today trying to figure out what happened. Then the customer service said I had transaction after AF was posted, which was the one for airline credit, $100, so he said I need to pay for AF regardless if it is closed now or not.
What are your cases here? Can anyone share what they did and if the account is closed without carrying over the balance of AF after using the airline credit?
If I refuse to pay for it, does that mean I will be reported to the credit agency which will impact my credit score?
Thanks for any feedback.
Aug 29, 2015, 8:32 pm
#654
Join Date: Feb 2006
Posts: 41
Help!!!
After reading people here getting airline credit, $100, I purchased gift cards after AF was posted in my account. After the credit was posted in my account, I called and closed the account. The customer support promised to close account and waive or credit AF so there won't be a balance carried over. However, After two months, no credit is posted and I keep being charged for late fee and interest charges.
I was out of the U.S. for the past 7 months and just came back. I called today trying to figure out what happened. Then the customer service said I had transaction after AF was posted, which was the one for airline credit, $100, so he said I need to pay for AF regardless if it is closed now or not.
What are your cases here? Can anyone share what they did and if the account is closed without carrying over the balance of AF after using the airline credit?
If I refuse to pay for it, does that mean I will be reported to the credit agency which will impact my credit score?
Thanks for any feedback.
After reading people here getting airline credit, $100, I purchased gift cards after AF was posted in my account. After the credit was posted in my account, I called and closed the account. The customer support promised to close account and waive or credit AF so there won't be a balance carried over. However, After two months, no credit is posted and I keep being charged for late fee and interest charges.
I was out of the U.S. for the past 7 months and just came back. I called today trying to figure out what happened. Then the customer service said I had transaction after AF was posted, which was the one for airline credit, $100, so he said I need to pay for AF regardless if it is closed now or not.
What are your cases here? Can anyone share what they did and if the account is closed without carrying over the balance of AF after using the airline credit?
If I refuse to pay for it, does that mean I will be reported to the credit agency which will impact my credit score?
Thanks for any feedback.
I don't agree with WF but at least you received a second $100 credit. Pay the fees and move on. Lesson learned for you and everyone else that WF is not very responsive to their customers.
Aug 30, 2015, 2:54 am
#655
Join Date: May 2015
Posts: 441
Help!!!
After reading people here getting airline credit, $100, I purchased gift cards after AF was posted in my account. After the credit was posted in my account, I called and closed the account. The customer support promised to close account and waive or credit AF so there won't be a balance carried over. However, After two months, no credit is posted and I keep being charged for late fee and interest charges.
I was out of the U.S. for the past 7 months and just came back. I called today trying to figure out what happened. Then the customer service said I had transaction after AF was posted, which was the one for airline credit, $100, so he said I need to pay for AF regardless if it is closed now or not.
What are your cases here? Can anyone share what they did and if the account is closed without carrying over the balance of AF after using the airline credit?
If I refuse to pay for it, does that mean I will be reported to the credit agency which will impact my credit score?
Thanks for any feedback.
After reading people here getting airline credit, $100, I purchased gift cards after AF was posted in my account. After the credit was posted in my account, I called and closed the account. The customer support promised to close account and waive or credit AF so there won't be a balance carried over. However, After two months, no credit is posted and I keep being charged for late fee and interest charges.
I was out of the U.S. for the past 7 months and just came back. I called today trying to figure out what happened. Then the customer service said I had transaction after AF was posted, which was the one for airline credit, $100, so he said I need to pay for AF regardless if it is closed now or not.
What are your cases here? Can anyone share what they did and if the account is closed without carrying over the balance of AF after using the airline credit?
If I refuse to pay for it, does that mean I will be reported to the credit agency which will impact my credit score?
Thanks for any feedback.
Aug 31, 2015, 12:31 pm
#656
FlyerTalk Evangelist
Join Date: Apr 2003
Location: PHL (and sometimes BKK)
Programs: aa/ua gold; mar titanium. SPG till I die.
Posts: 15,648
So I waited a day after the official 1 year of account opening to purchase the 2nd $100 airline reimbursement, just like the few who posted earlier. It's been 4 days since then and it hasn't been credited. So YMMV on getting the credit before AF posts. You're much safer if you were to wait for AF to post, do the airline reimbursement, then request AF refund.
Sep 1, 2015, 7:54 am
#657
Join Date: Feb 2013
Location: CMH, West Coast
Programs: AA Executive Platinum, oneworld emerald
Posts: 2,741
I'm now wondering whether I should include these 40k bonus points in my will as it's looking more and more as if I may reach the end of my natural existence before they post.
Sep 1, 2015, 8:38 am
#658
Join Date: Feb 2015
Posts: 29
Yeah, they do take forever to post. But, hey, essentially free $400+, I'll wait it out (nervously, haha).
As always, assume YMMV, but I purchased a $50 amazon GC from the United MPX app using this card and received a $50 statement credit for it.
As always, assume YMMV, but I purchased a $50 amazon GC from the United MPX app using this card and received a $50 statement credit for it.
Sep 8, 2015, 9:41 am
#660
Join Date: Jul 2014
Posts: 71
Cell Phone insurance
Has anyone put in a claim and received the benefit of this coverage? How what was the time line of the response ( terms say they have up to ten days to determine if they will repair or replace) ? Did they reimburse you directly or pay the repair service vendor?
Cellular Telephone Protection
Use your Wells Fargo Consumer Credit Card to pay your monthly cellular telephone bill and get up to $600 protection (subject to a $25 deductible) at no extra cost against covered damage or theft of your cellular telephone. Protection is subject to a $25 deductible per claim and maximum benefit limit of $600 per occurrence. Protection covers eligible cellular telephones billed to your covered Wells Fargo Consumer Credit Card, subject to a maximum of two claims per twelve-month period, for each Wells Fargo Consumer Credit Card account number.
Cellular Telephone Protection
Use your Wells Fargo Consumer Credit Card to pay your monthly cellular telephone bill and get up to $600 protection (subject to a $25 deductible) at no extra cost against covered damage or theft of your cellular telephone. Protection is subject to a $25 deductible per claim and maximum benefit limit of $600 per occurrence. Protection covers eligible cellular telephones billed to your covered Wells Fargo Consumer Credit Card, subject to a maximum of two claims per twelve-month period, for each Wells Fargo Consumer Credit Card account number.
Anyone else have any experience making a claim?