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Wells Fargo 40k/$3k-3mo Propel World & 20k/$3k-3mo Propel 365 Amex

Wells Fargo 40k/$3k-3mo Propel World & 20k/$3k-3mo Propel 365 Amex

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Old Sep 29, 16, 2:33 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
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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)
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Old Nov 24, 18, 11:07 am
  #871  
 
Join Date: Mar 2003
Location: EWR Ionosphere Club, LAX Clipper Club, Still Traveling Global, yearly BIS miles
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Originally Posted by tadc View Post
You find an answer on this?

In the past it was 100 on any travel related expenses you just had to call, but now nobody seems to know anything about that.
So if I buy a flight or GC directly from the airline it will go thru automatically?
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Old Dec 1, 18, 9:29 pm
  #872  
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Originally Posted by darthbimmer View Post
I got a solicitation for the "new" Wells Fargo Propel card in the mail. The signup offer is 30k points for $3k spend in 3 months. While the $300 cash redemption value of 30k points is interesting, what's really making me take a long look at this card are the 3x bonus categories. Travel (air, hotel, rental car, etc.), Gas, and Dining are the majority of my organic spend. It looks like this is essentially a 3% cashback card, at least on these categories, with no AF. Am I missing anything? What experience do others have with this card?
Did you get the card?

When I logged in our Wells Fargo bank accounts tonight, this offer came up before I can see the main account page.
It does look like a 3% cash rebate card with no AF and 0 forex fee to me because it has covered most of the day to day regular spend in our household. The only draw back is this is an AMEX card which I have found many places we go whether in both our international and domestic travels, AMEX card is not accepted.
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Old Jan 9, 19, 10:24 am
  #873  
 
Join Date: Aug 2014
Posts: 71
Anyone get the Propel World lately? Are they still offering it with the 40k bonus? Also has anyone tried utilizing the cell phone insurance lately? I've been paying my cell phone bill with my WF card for 3 years in anticipation of needing the insurance and, lo and behold, my phone needs a motherboard replacement that WF won't cover because it's a "mechanical or electrical" issue. What a scam.
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Old Feb 1, 19, 2:55 pm
  #874  
 
Join Date: Aug 2014
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I have been getting 2 phones replaced per year. Here is how to do it.
  1. Smash your phone to the point where it is irreparable. Maybe you did it on purpose maybe it dropped. I'm not the police.
  2. File a claim and buy a new phone.
  3. Take phone smashed phone to repair shop for a repair estimate.
  4. Send estimate to asurion.
  5. Get check for full amount.
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Old Feb 1, 19, 3:01 pm
  #875  
 
Join Date: Oct 2012
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Originally Posted by jmfflyer View Post
I have been getting 2 phones replaced per year. Here is how to do it.
  1. Smash your phone to the point where it is irreparable. Maybe you did it on purpose maybe it dropped. I'm not the police.
  2. File a claim and buy a new phone.
  3. Take phone smashed phone to repair shop for a repair estimate.
  4. Send estimate to asurion.
  5. Get check for full amount.
You're in the running for Dbag of the year award
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Old Feb 1, 19, 8:04 pm
  #876  
 
Join Date: Apr 2012
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Originally Posted by calmasahinducow View Post
Anyone get the Propel World lately?
Any updates on Propel World in general? New rewards structure perhaps?
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Old Feb 6, 19, 7:16 am
  #877  
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Propel World Product Change

Held the WF Propel World Amex for a few years after the initial sign up bonus. The $100 airline credit was nice - got AA gift cards every year. But otherwise, the card was overpriced for its annual fee vs what other similar cards offer at a lot less $ per year.

AF posted 2/1/19, which indicated my card membership year had reset so I immediately purchased 1 AA GC @ $100. Took a few days to clear and post, but the airline credit posted with the transaction. This left only the $175 AF on my card. Called in this morning for a PC to another option - one that was either a lower AF or no AF.

Was given the "new" propel (the red colored card they have been promoting as of late), same or better reward categories for me, no $100 airline credit, but no AF either. PC process was a bit drawn out. They don't do same account number PC's - they close your existing account and get you a new one through an "application process" - though there was no credit pull per the rep and per my CreditKarma. The credit limit was almost identical - old limit less the $ amount of the AF that remained on the original card. And the AF was waived, old card will be closed out.

So not the most ideal PC process, but I got the airline credit for the year without having the pay the AF. So that is a WIN in my book!
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Old Mar 2, 19, 11:44 pm
  #878  
 
Join Date: Feb 2006
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Programs: Globalist
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Apparently, the Propel World annual fee may be refunded within 90 days of assessessment. If this is the case and I applied for the Propel World only a year ago, can I then apply for the new Propel for the signup bonus once 15 months hits, then product change the Propel World to the Visa Signature? Has anyone had success with either of these?

Edit: maybe a bit tighter than I thought. https://www.doctorofcredit.com/wells-fargo-one-bonus-per-16-month-rule/

I'm seeing this on the Propel application terms and conditions: 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.

Last edited by christof; Mar 3, 19 at 12:15 am
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Old May 4, 19, 4:09 pm
  #879  
 
Join Date: Mar 2003
Location: EWR Ionosphere Club, LAX Clipper Club, Still Traveling Global, yearly BIS miles
Programs: EAL Silver Wings, I-Club, Flying Colonels DL, WorldPass PLat from the olde Meatball and PE SMARTbank
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anyone tried to close this or any WF cc with a negative points balance?
I am neg a few thousand points and I don't want to pay the af.
any ideas? can i still close the acct?
thanks
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Old May 15, 19, 1:38 pm
  #880  
 
Join Date: Aug 2013
Posts: 214
Has anyone had any luck receiving the airline fee credit recently?
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Old May 17, 19, 10:05 am
  #881  
 
Join Date: Jul 2017
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Originally Posted by rjs11 View Post
Has anyone had any luck receiving the airline fee credit recently?
Recently reimbursed WN gc $100
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Old May 18, 19, 8:31 am
  #882  
 
Join Date: Aug 2013
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Originally Posted by NeGourmand View Post
Recently reimbursed WN gc $100
Interesting. Can you copy and paste the description of the transaction? My AA egift card purchase worked in my first cardmember year, but has not in the second year. Here's how it looks:Billing location: 800-433-7300, TXPhone: AA.COMPurchase Mode: Manually Entered
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Old May 18, 19, 12:09 pm
  #883  
mia
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Originally Posted by NeGourmand View Post
Recently reimbursed WN gc $100
Originally Posted by rjs11 View Post
....My AA egift card purchase worked in my first cardmember year, but has not in the second year.....
American Airlines changed the way that gift card purchases are coded on Amex network in 2019. The issuer can now see that it is a gift card purchase rather than a fee.
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Old May 18, 19, 4:33 pm
  #884  
 
Join Date: Aug 2013
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Originally Posted by mia View Post
American Airlines changed the way that gift card purchases are coded on Amex network in 2019. The issuer can now see that it is a gift card purchase rather than a fee.
Do you know the specific date when this occurred? Datapoints per DoC were still showing successful redemptions in late February/early May.
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Old May 18, 19, 4:43 pm
  #885  
 
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Originally Posted by rjs11 View Post
Do you know the specific date when this occurred? Datapoints per DoC were still showing successful redemptions in late February/early May.
I called WF and was able to get the credit manually added. Per the T&Cs, “Qualifying Charge/s” for purposes of the Airline Benefit, are defined as domestic or international airline transactions (excluding purchases of airline tickets) made with a Card for which the airline has submitted the transaction under the merchant code for American Express in the category of airlines and air carriers."

As long as it's not an airline ticket, the charge gets reimbursed.
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