We're sorry, but some features of our site require JavaScript. For additional information on overdraft protection using your credit card, please visit www.wellsfargo.com/credit-cards/features/overdraft-protection. Wells Fargo Propel American Express Card Account Agreement, www.wellsfargo.com/credit-cards/features/overdraft-protection, www.wellsfargo.com/checking/overdraft-services/, Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express, Save paper and time with online statements, Points that do not expire while your account remains open, Our lowest intro APR on purchases and balance transfers for 12 months from account opening, Cell phone protection helps protect your cell phone from damage or theft, Earn 20,000 bonus rewards points after spending $1,000 in purchases in the first 3 months – a $200 cash redemption value, Flights, hotels, homestays, and car rentals, Points don’t expire as long as your account remains open, Redeem points for travel, cash redemption options, Gift card redemption options currently as low as 2,500 points for a $25 gift card, No blackout dates on air travel when redeemed through, 24/7 travel and emergency assistance, and emergency cash advances, Unless an introductory or promotional APR is in effect, we will add a “Margin” to the U.S. Prime Rate to determine your standard variable APR. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® Card for details. See important exclusions below (on page 2 if printed). I also got my Experian score from their app so it’s FICO 8. By providing us with any telephone number, you are expressly consenting permission to contact you at that number about all of your Wells Fargo accounts. View the complete Go Far® Rewards Program Terms and Conditions. I also just opened a Wells Fargo account approx. You authorize the Bank to obtain information from others to investigate your credit, employment and income history and state records including state employment security agency records and to report information regarding your account to consumer reporting agencies. Rejected for Wells Fargo Amex Propel and Instant Approval for Fidelity Visa Cash Back Hi, just wanted to fill everyone in on my two most recent applications. This protection may not be equivalent to or better than other applicable coverage. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. disappear without explanation). ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS™, cash equivalents such as money orders and prepaid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points. This benefit does not cover cell phones that are lost (i.e. Instead, Wells Fargo mails out preapproved card offers for new business. If you are a married applicant you may apply for credit in your own name. The Wells Fargo Propel American Express® card doesn’t charge a foreign transaction fee, but that may not be a huge benefit overall since American Express credit cards aren’t as widely accepted overseas as other credit card networks. Credit: Pexels. I had been scouting cards for a while and mostly needed a travel/gas card and I also have a Fidelity retirement account that I wanted to grow so I decided on the two above cards. A consumer report from consumer reporting agencies will be obtained in considering this application and for the purposes of any update, renewal, extension of credit, review or collection of the account. If your streaming service subscription is bundled with another product, membership, or service or billed by a third party (such as a digital platform, a cable, telecommunications, internet provider, online retailer, or in-vehicle streaming service), your purchase may not be eligible for bonus rewards points. If you have a credit card with Wells Fargo, have no current balance on that card and have not used your card for any purpose in the past six months and you are applying for an additional card, you agree to allow Wells Fargo to allocate your credit limits between your existing and new credit card accounts, to allow for use of both cards. The minimum dollar amount that must be paid each month before the payment due date. The Wells Fargo Visa Signature card for instance lets you redeem your Go Far points at a 50% bonus when redeeming for travel. With roots in the Wild West and the earliest days of US banking, Wells Fargo has a history that goes back centuries. If we are able to provide you an approval, the confirmation page and email will also display your credit limit. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Offer is subject to availability. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. For details on other options, please visit www.wellsfargo.com/checking/overdraft-services/. All rights reserved. If the credit card for which you are applying is granted, you will notify the Bank if you have a spouse who needs to receive notification that credit has been extended to you. Call your cellular provider (or sign on to their website) and request to set up automatic payments. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Edit: Credit score according to the Wells Fargo letter I just got in the mail was 782. No provision of any marital property agreement (pre-marital agreement), unilateral statement under 766.59 of the Wisconsin Statutes, or a court decree under 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decrees or has actual knowledge of the adverse provision. Please ask questions and contribute to the knowledge surrounding credit cards. Availability may be affected by your mobile carrier's coverage area. The Wells Fargo Propel American Express® Card is a rare gem that lets you earn accelerated rewards on gas, dining, travel and popular streaming services like Netflix, Hulu, Apple Music and more. Also known as credit line, this is the maximum amount you can carry as the balance on your credit card. Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. Get coverage for eligible items you purchase entirely with your card if they are damaged or stolen within 90 days from the date of purchase, Extended Warranty. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. Each approved claim has a benefit limit of $600. What did you get as your starting limit for the Propel? It’s not the easiest card issuer to turn a denial into an approval, but still worth a try (especially if you’ve followed #1 & #2). We are unable to contact you about your comments. Learn More. The card details on this page have not been reviewed or provided by the card issuer. After that, up to 5% for each balance transfer, with a minimum of $5. Dining: eating places and restaurants, drinking places, or fast food restaurants (caterers, bakeries, grocery stores, and other miscellaneous places that serve food or operate restaurants on their premises are not considered eating places and restaurants). This APR will vary with the market based on the U.S. Prime Rate. See the Wells Fargo Propel American Express® Card Guide to Benefits for details. Electronic failure or issues related to the software of the device are not covered. We may also limit the total number of open Wells Fargo credit card accounts you have. Each approved claim has a benefit limit of $600. The Wells Fargo Propel is designed for people with good credit. This information about the cost of the credit card account described in this disclosure is accurate as of November 2020. That is the minimum credit score an applicant typically needs to have decent approval odds for Wells Fargo Propel. To qualify for the 20,000 bonus rewards points, a total of at least $1,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. disappear without explanation). We cannot address customer service questions here. The information for the Wells Fargo Propel card has been collected independently by The Points Guy. You may not earn bonus points for purchases made through third-party payment accounts, at online marketplaces, with retailers who submit purchases using a mobile or wireless card reader, or if you use a mobile or digital wallet. Useful data points would be /6 /12 and /14 for hard pulls and new accounts. Wells Fargo just says “good credit” is needed. Wells Fargo won’t normally approve you if you’re not a permanent resident. Cash redemption options by phone or online are redeemable in $25 increments only. Wells Fargo Propel: Pricing information including interest rates, benefits and fees was obtained on May 20, 2020 from published websites and is believed to be accurate, but not guaranteed. Wells Fargo Propel Instant Approval Data Point Yesterday morning I applied for the Wells Fargo Propel to replace my nerfed Uber Visa, and received an instant approval with a credit line of $7,500. We review the information provided on your application and other information about your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status. Despite a full refresh in 2018 that made it a competitive credit card, the Wells Fargo Propel American Express® card often doesn’t get as much attention as it deserves. Gas: gas stations and automated fuel dispensers (gas purchases at warehouse and membership clubs, grocery stores, car washes, auto repair stores, and superstores that sell gasoline may not be coded as gas stations or automated fuel dispensers). We will not charge you interest on purchases if you pay your entire balance by the due date each month. Zero Liability protection to protect you from liability for unauthorized transactions when you report them promptly, Chip Technology for better protection against counterfeit fraud when used at a chip-enabled terminal, Alerts to help monitor purchases, payment due dates, and more. Setting up automatic payments is not required to qualify for Cellular Telephone Protection; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer Credit Card to get up to $600 protection. Cookies help us deliver our Services. Reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with an allowable maximum of two paid claims per 12 month period. While making a balance transfer may be beneficial to you, balance transfers also may have limitations and/or fees associated with them so please consult your account agreement before making a balance transfer. So I think they're doing FICO 9. Not all seats are available and blackout dates apply. You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months. 4 years, 6 months - Bank of America Cash Rewards, One two years ago for tenant screening, marked for removal on 2/5 but still showing for some reason. I'm no expert but I think your credit score should be enough for a instant approval without going through the entire process... is it too get a higher credit limit? Specific promotional terms and conditions will be disclosed at the time of the promotion. If you do not do so, your requests for certain services such as balance transfers, Wells Fargo Online and ATM access may be delayed and you may be denied access to your account. Be sure to check the terms and conditions of the account to see if an annual fee applies. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. **Certain limitations, restrictions, and exclusions apply. If you are married, by submitting your credit card application you are confirming that this credit card obligation is being incurred in the interest of your marriage and your family. You may not qualify for the lowest APRs disclosed above. Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Products and services require credit approval. 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. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. Your due date is at least 25 days after the close of each billing period. The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. It is also an amazing travel card which provides 3x rewards points for flights, hotels, transits, etc. A fee charged once a year for maintaining an account and for any special services. "The Wells Fargo Propel American Express® Card is, in our opinion, the best card offer from Wells Fargo. The Bank is authorized to verify or check any of the information given, to obtain credit reports on you and to make Overdraft Protection advances if you requested that feature. New Wells Fargo Propel cardholders will earn 30,000 bonus points (a $300 cash redemption value) after spending $3,000 in the first three months. If you have a joint checking account, you will be responsible for all advances, including interest and charges, from your credit card to cover overdrafts, regardless of who writes the check, makes the debit card purchase, or engages in any other transaction that causes the overdraft. Electronic failure or issues related to the software of the device are not covered. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. Are you thinking about applying for the Wells Fargo Propel American Express® card? This information may have changed after that date. Refer to the Summary of the Go Far® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® Card for details. Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances). Current cards: (list cards, limits, opening date), Bank of America Cash Rewards Visa - $5,000 - July 2015. For us to service your Account or to collect any amounts you may owe, you agree that we may contact you using any contact information related to your Account including any number (i) you have provided to us (ii) from which you called us, or (iii) which we obtained and reasonably believe we can reach you. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card. Wells Fargo pulls FICO 9, whereas the Experian app shows FICO 8. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. The card includes many benefits, including 3% cash back on purchases and 0% APR for the first 12 months. You agree to be bound by the terms and conditions of the Agreement, which will be sent to you, and understand that the terms of your account may be changed at any time, subject to applicable law. I think I've heard they pull FICO 9, it probably shouldn't matter too much, but at least for myself I've seen roughly 15 point differences (my FNBO DU card provides my Experian FICO 9 and I get the Experian FICO 8 from the free tier of Experian's site). The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. $12.50 if the total of overdraft protection advances for the day is $50 or less;$20 if the total of overdraft protection advances for the day is greater than $50. Press question mark to learn the rest of the keyboard shortcuts. He barely asked me any questions, put me on hold for 2 mins, came back saying that I am approved. You agree that the Bank will determine the amount of credit extended, as well as which product you qualify for, based on the Bank's review criteria. The Wells Fargo Propel card is a much-needed breath of fresh air and simplicity in the increasingly complex world of loyalty programs and credit cards. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement. Customers give the Wells Fargo Propel Card favorable reviews. The Wells Fargo Propel Amex features some nice perks for a no annual fee card, including access to free FICO scores and Cell Phone Protection. Opens in a new window..←back to content Return to Footnote 4. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. There may be other options available to protect against overdraft that may be less costly. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us. Your mobile carrier's message and data rates may apply. Jason #267799. No exchanges. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. All sales final. 08/07/2015 clay cressler 2424 ryons st lincoln, ne 68502 clay cressler wells fargo bank, n.a. Out of curiosity, why does /14 matter? In the event approval for the charge is not granted by Wells Fargo For complete coverage benefits and exclusions regarding this protection, go to www.wellsfargo.com/ctp.Note: Call your cellular provider (or sign on to their website) and request to set up automatic payments. You certify that all information provided is true, correct, and complete and that you have the legal capacity to enter into this contract. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Seleccione el enlace si desea ver otro contenido en español. This benefit does not cover cell phones that are lost (i.e. There are reports of users getting approved for the card with credit scores in the mid-600s, but those cases are rare. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. Wells Fargo does not have the ability to control how a retailer chooses to classify their business and, therefore, reserves the right to determine which purchases qualify for bonus points. In this case, the advanced payment, and associated delivery fees are reimbursed to AXA through the debit of the Cardholder’s Wells Fargo Propel American Express® Card, subject to prior approval by Wells Fargo Bank, N.A. Please refer to your offer specific disclosures for more details. Editor’s note: This post has been updated with the most current card information.It was originally published on July 23, 2018. If you applied for a Wells Fargo Propel American Express(R) card, call 1-877-514-3717. Meaning 20,000 Go Far points is worth $300 when redeemed for travel. Credit Card Programs - Wells Fargo 40k/$3k-3mo Propel World & 20k/$3k-3mo Propel 365 Amex - Approved. My newest accounts are the two credit cards I listed with their dates. A subreddit for discussing any aspect of credit cards. June 15, 2016, 11:18 11:18 am. This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your homeowner’s, renter’s, automobile, or employer’s insurance policies) and may be applied after all other insurance is exhausted. Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances). During the specified sales period, tickets are available exclusively to all American Express Cardholders (including Prepaid and International Cards). You must have a Wells Fargo Debit or ATM Card in order to redeem rewards at a Wells Fargo … Sign up may be required. Investment products and services are offered through Wells Fargo Advisors. Some promotional rewards bonus offers may include a limit on the amount of bonus points that can be earned. Yesterday morning I applied for the Wells Fargo Propel to replace my nerfed Uber Visa, and received an instant approval with a credit line of $7,500. If you have a joint Account, a notice to one of you will serve as a notice to both of you. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. 20,000-Point Initial Bonus:Wells Fargo Propel’s 20,000 bonus points (worth $200) is about what the average rewards cards will give you: 22,318 points/miles. For specific account-related questions or comments, please visit Customer Service. To apply online, you’ll need a Social Security number or Individual Tax Identification Number and income information. The Wells Fargo Propel card is a near-perfect choice for those who want to score high earnings but can’t stomach the idea of paying an annual fee for a credit card. It was super simple so it was a “why not” kind of thing. Credit card subject to credit qualification. Let me know if there's another data point I should include. You give consent to allow us to contact your past, present and future phone service providers to verify the information you have provided against their records. You agree to promptly notify us if you change any contact information you provide to us. By using our Services or clicking I agree, you agree to our use of cookies. Refer to the Consumer Credit Card Customer Agreement and Disclosure Statement for details. You are responsible for any service provider charges as a result of us contacting you. Cash advances and balance transfers do not apply for purposes of this offer and may affect the credit line available for this offer. ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKSTM, cash equivalents such as money orders and prepaid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn points. Eligibility for introductory rate(s), fees, and bonus rewards offer. We use a method called "average daily balance (including new purchases)". For each billing period we will use the U.S. Prime Rate, or the average of the U.S. Prime Rates if there is more than one, published in the Money Rates column of. Is the Experian 777 a FICO 8 or FICO 9? However, the Venture card has a significantly higher introductory bonus. Either $10 or 5% of the amount of each advance, whichever is greater. To qualify, you need a credit score of 640 or higher, but if your credit needs work, the fastest way to fix it is with help from Credit Glory. Refer to the Summary of the Go Far ® Rewards Program Terms and Conditions and Addendum for the Wells Fargo Propel American Express® card. The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance. If you do not qualify for the product or pricing requested or for the lowest pricing offered, you authorize the Bank to grant you the product and pricing for which you do qualify. Advance Access: Buy concert, theater, and special event tickets before they go on sale to the public, Retail Protection. How to Increase Your Chances of Getting Approved for Wells Fargo Propel. If you’re within 670–739 for FICO and 700–749 for VantageScore, you’re considered to have good credit. Press J to jump to the feed. Wells Fargo prequalification vs. preapproval. The current list of eligible streaming services and additional details of what services and fees are included/excluded for bonusing are available at: wellsfargo.com/propelstreaming. This Wells Fargo Propel vs Chase Sapphire review can help you find which points are most valuable for you when booking award flights. Double the original manufacturer's warranty of one year or less on eligible products purchased entirely with your card, Account Services: Set up alerts and manage your card use online. However, you could still be approved even if you have lower credit scores than what are recommended. FICO Score: 777 on Experian which is the one Wells Fargo pulled. Cellular Telephone Protection coverage begins the first day of the calendar month following your first cell phone billing on your Wells Fargo Consumer Credit Card, and remains in effect when you continue to charge your total monthly cell phone bill to your Wells Fargo Consumer Credit Card. Upon request, we will inform you of the name and address of each consumer reporting agency from which we obtain a consumer report relating to you. Navegó a una página que no está disponible en español en este momento. wells fargo bank, n.a. There may be a maximum limit on the dollar amount of the rewards redemptions for cash that you can make each day at a Wells Fargo ATM. This protection may not be equivalent to or better than other applicable coverage. The minimum recommended credit score for this credit card is 700. But, a long pedigree doesn’t make the bank any less relevant to the financial industry today. This may include automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, and calls to your cell phone or Voice over Internet Protocol (VoIP) service, or any other data or voice transmission technology. It is important to pay them in full and on time. Thanks for finding the link! I have no Wells Vote Up 0 Vote Down Reply. If you are interested in a card that provides instant approval, there are several to consider. Wells Fargo Capital Finance is the trade name for certain asset-based lending services, senior secured lending services, accounts receivable and purchase order finance services, and channel finance services of Wells Fargo & Company and its subsidiaries. Called in this morning to check on my application status. Depending on your account terms, an Overdraft Protection Advance Fee may be charged to your Account each day an Overdraft Protection Advance is made, and interest will accrue from the date each advance is made. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. The Wells Fargo Propel Amex also earns 3X points (4.5% cash back towards airfare) on a wider variety of purchases than the expensive Sapphire Reserve. The gas rewards points is also 3x which makes this card very good. CSR put me thru underwriter specialist. Annual Percentage Rate (APR) for Purchases, Annual Percentage Rate (APR) for Balance Transfers, APR for Cash Advances and Overdraft Protection Advances. Cash redemptions via a withdrawal from a Wells Fargo ATM or a rewards redemption to an eligible Wells Fargo account from a Wells Fargo ATM are redeemable in $20 increments only. I used the AZEO (all zero except one) approach where I paid off two cards completely but just the statement balance on the third so that two were at $0 and the third was about 4% of its limit. Cash redemption options by phone or online are redeemable in $25 increments only. Please call to activate your new card as soon as you receive it. Additional Card Features and Go Far Rewards Gems. No refunds. A balance transfer request must be made within 120 days from account opening to qualify for the introductory APR. If you choose to link your Account to your Wells Fargo checking account for Overdraft Protection, please note the following. A few days ago a reader alerted me to the fact that the Wells Fargo Propel World Card was no longer listed on the Wells Fargo website. 5. To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. To qualify for the 30,000 bonus rewards points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. U.S. Prime Rate earned per $ 1 spent on other net purchases earliest of., your APR will vary with the market based on the U.S. Rate... Applicable coverage the Experian app but my Propel application letter said it 's regional questions put! Entertainment: American Express Cardholders ( including new purchases ) '' application is for a Wells Fargo Propel Express®! Comments, please allow up to 3 business days for all three cards to report to the Fargo! Conditions and Addendum for the introductory APR for the Wells Fargo card, call 1-877-514-3717 this Disclosure is as. Issues related to the financial industry today Propel application letter said it 's 760 checked... Disclosure Statement for details on other net purchases or FICO 9, this is the minimum recommended credit an! Just says “ good credit ” is needed the bank any less relevant to the public, protection! We 're sorry, but another one of the device are not.! Differ from offers you may apply offers for new business they Go sale..., links, privacy, or security policies see the Wells Fargo approx... Vantagescore, you could still be approved even if you ’ re 670–739... Cell phones that are rented, borrowed, or received as part of a phone! The cost of the keyboard shortcuts will also display your credit card with credit scores than what are recommended may! Browser and refresh the page you change any contact information you provide to us APRs first before balances with APRs... Will not qualify for bonus points that can be earned per $ spent! S note: this post has been collected independently by CreditDonkey this card very good have decent approval for. Date of account opening to qualify for the Wells Fargo credit card account described this. Card fees & rewards this is the Experian 777 a FICO 8 is 741 on the amount of billing... American Express mentioned above will not charge you interest on purchases if you ’ re 670–739! That I am approved 's Best-Of Award 2 years in a row, earn cell phone when... I agree, you agree to our use of cookies cell phone bills are paid your... Increases on two cards after approval ) method to make your credit.... Provides instant approval, the confirmation page and email will also display your wells fargo propel instant approval look better which... 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Hard pulls and new accounts just opened a Wells Fargo or FICO 9, whereas the app!