[Rumor] Wells Fargo To Discontinue Propel Cards [Last Week]

According to reddit user LA-and-SF (citing internal document) Wells Fargo will be discontinuing the Propel cards on 4/19/21. It is expected that these cards will no longer be available to new cardholders but existing cardholders will be grandfathered. The Wells Fargo Propel World card is still available for sign up over the phone, it offers a 40,000 point bonus and is ranked one of our top credit card sign up bonuses. I’d recommend you sign up for this card ASAP if you don’t already have it as it could easily be pulled before that 4/19/21 date.

Source: doctorofcredit.com

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Source: credit.com

Wells Fargo Propel Credit Score

Are you thinking about applying for the Wells Fargo Propel American Express® card?

The minimum recommended credit score for this credit card is 700.

How to Increase Your Chances of Getting Approved for Wells Fargo Propel

Getting approved for a credit card requires a little planning. Most credit card offers require very good credit. When applying for new credit it’s important to know what your credit scores are and what’s on your credit reports.

Credit card issuers want to see a strong credit history, steady income, and low credit utilization. If you’re using too much of your existing revolving credit, it’s a sign that you may not pay them back. It’s also important to make sure that you haven’t applied for too much credit in the recent past. Having too many credit inquiries can lessen your chances of getting approved.

Need help improving your credit score?

One of the best ways to improve your credit scores is by removing negative items from your credit report. Lexington Law can help you dispute (and possibly remove) the following items:

  • late payments
  • collections
  • charge offs
  • foreclosures
  • repossessions
  • judgments
  • liens
  • bankruptcies

They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone. If you’re struggling with bad credit and want to increase the likelihood of getting approved for new credit, call them all them (800) 220-0084 for a free credit consultation.

[Rumor] Wells Fargo To Discontinue Propel Cards

According to reddit user LA-and-SF (citing internal document) Wells Fargo will be discontinuing the Propel cards on 4/19/21. It is expected that these cards will no longer be available to new cardholders but existing cardholders will be grandfathered. The Wells Fargo Propel World card is still available for sign up over the phone, it offers a 40,000 point bonus and is ranked one of our top credit card sign up bonuses. I’d recommend you sign up for this card ASAP if you don’t already have it as it could easily be pulled before that 4/19/21 date.

Source: doctorofcredit.com

Underrated Reasons Why You Need a Wells Fargo Propel American Express Card

If you’re hesitant to get the Wells Fargo Propel American Express® card or are uncertain about the good that can come from it, there are several lesser-known benefits you should consider before making a decision. Here’s what you need to know about the card.

But first: The well-known reasons

  • $0 annual fee.

  • Welcome bonus: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.

  • Point earnings: Earn 3 points per dollar spent on eating out and ordering in, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and over a dozen popular streaming services.

The underrated reasons

Points never expire as long as your account stays open

Managing multiple expiration dates across credit card rewards programs can be a hassle. Thanks to this credit card’s generous policy, however, you never need to worry about redemption deadlines. With Wells Fargo’s Go Far Rewards program, you can redeem rewards for cash, charitable donations, merchandise, gift cards and travel.

Cell phone protection

If you pay your monthly cell phone bill with your card, you can automatically enjoy up to $600 in protection for eligible cell phones that are damaged or stolen. You can make two claims per 12-month period.

You can pay off your credit card with points

Wells Fargo lets cardholders use their rewards points to pay off the principal on their credit card in $25 increments for 2,500 points.

No foreign transaction fees or foreign currency conversion fees

For travelers headed outside of the U.S., you can use your Wells Fargo Propel American Express® card on purchases without getting dinged for any foreign transaction fees.

Automatic point redemptions

Another underrated reason to get this credit card is that you can set up automatic redemptions to receive gift cards, paper checks or a cash reward deposited into an eligible account. Once your rewards balance reaches 2,500, the automatic redemption of your choice can occur.

Add authorized redeemers to your rewards account

You can add another Wells Fargo customer to your rewards account as an “authorized redeemer,” which can be helpful especially for families. This gives your loved ones unique access to booking rewards travel or earning gift cards without your hands-on management.

Travel protection perks

Lost luggage reimbursement, car rental loss and damage insurance, roadside assistance, 24/7 travel and emergency assistance and emergency cash advances can help ease travel hiccups and issues for travelers carrying their Wells Fargo Propel American Express® card.

The bottom line

With a $0 annual fee and opportunities to earn accelerated rewards (that never expire) on frequent purchases like restaurants, travel and Netflix, there are a lot of underrated reasons why the Wells Fargo Propel American Express® card is a good choice for those looking for a simple rewards card.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:

Source: nerdwallet.com

What is an International Credit Card?

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Disclaimer

When you have an international credit card, you can use it both in your home country and abroad. It’s not uncommon to come across businesses abroad that only accept native currency. That’s when an international credit card comes in handy. If you want to avoid the hassles of carrying cash or traveler’s checks everywhere you go, these types of credit cards are the perfect solution.

Several established hotels, restaurants and retail outlets you encounter during your travels will accept your international credit card. That card offers many of the same features as a standard version and can also be used at ATM machines. Thus, no matter where you are, you can get cash from your bank account. You can also check your account balance from an ATM, so you can keep track of your spending and make sure you’re sticking to your budget.

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Credit Card Foreign Transaction Fees

A foreign credit card transaction fee is charged when you make a payment in a different country with your card. The sale also includes a fee because you’re paying in a foreign currency. Typically, foreign transaction fees are equal to 3% of the total cost of the transaction. They are also set in U.S. currency. If you purchase an item or souvenir in another nation’s currency and the total bill comes to $100, with 3% in foreign transaction fees tacked on, you pay a total of $103.

Foreign transaction fees can be charged on different types of transactions, including withdrawing money from ATM machines, reserving hotel rooms, or even booking your flights. The terms and conditions that apply to foreign transaction fees are usually included in the fine print of your international credit card’s cardholder agreement. So, make sure you review this information and are fully aware of the terms before using your card for purchases.

The International Chip and PIN

The international chip and PIN are part of a system being integrated into a number of credit cards. Many foreign merchants no longer accept standard magnetic strip credit cards, claiming they’re unsafe and outdated. The point of an international chip and pin is so that you won’t end up at an unattended kiosk unable to use the card because it requires a PIN to complete your transaction. This specifically applies to retailers in Europe.

Top 4 Brands of International Credit Cards

There are many different international credit cards, but four in particular offer better benefits and interest rates than others.

1. Capital One Venture Rewards Card

Capital One Venture Rewards Card

The Capital One Venture Rewards Card is another credit card you probably want to consider. The Capital One Rewards card also gives you a solid introductory rate and travel rewards points. It also provides you with a sign-on bonus of up to 50,000 miles or $500 in travel when you spend $3,000 in your first three months from account opening. The only downside is that this card comes with a  an annual fee after the first year.

2. Capital One Venture One Rewards Credit Card

Capital One Venture One Rewards Credit Card

If you enjoy the Capital One brand but prefer to avoid the annual fee, consider the Capital One Venture One Rewards Credit Card. The card gives you all the advantages of Capital One without an annual fee. This card also gives you major perks—you’ll get 20,000 miles if you $1,000 in the first three months.

3. Chase Sapphire Preferred Credit Card

Chase Sapphire Preferred® Card

Card Details
Intro Apr:

Ongoing Apr:
15.99% – 22.99% Variable

Balance Transfer:
15.99% – 22.99% Variable

Annual Fee:

Credit Needed:
Excellent-Good

Snapshot of Card Features
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.

Card Details +

Lastly, the Chase Sapphire Preferred Credit Card has low introductory rates for purchases and balance transfers, though its rewards offerings are somewhat weaker by comparison. This is another card that gives you a major bang for your buck—you can earn 60,000 bonus points when you spend $4,000 in the first three months.

Do Your Due Diligence Before Traveling Abroad with Your New Cards

Even with an international means of payment, your credit card may not be accepted at all locations. Recently, a Credit.com staffer who traveled to Amsterdam tried to use his World Elite Mastercard at some locations and found that local merchants didn’t always accept a Mastercard branded card.

Before going on your trip, check either with stores or the credit card network (Mastercard, Visa, Discover or American Express)  to see if any conditions exist that might prevent your card from being accepted by foreign merchants. Alternatively, you can take a few different brands with your or have some cash or traveler’s checks on hand.

Check Your Credit

Before applying for an international credit card, it’s important to check your credit score to see what you qualify for. A low score or no score at all could get in the way of your goals of traveling with an international credit card in hand. Be sure to check your score before you apply. Most credit card companies that offer cash-back or miles require a good or even excellent score.

Checking your credit is easy and free depending on the site you use, and checking doesn’t hurt your score. You can get your free Experian credit score by visiting Credit.com. Instead of a hard inquiry, Credit.com does a soft inquiry without harming your credit score.

Using Credit.com for Your Travels

Traveling overseas with a credit card is convenient, but it can also be tricky. If you’re planning a trip abroad, it’s important to research which international credit cards will serve you best. Having a credit card that can be used anywhere in the world is a great tool to have in your pocket. But the terms and conditions of each card vary depending on several factors including your credit history, your spending habits and the places you visit.

Credit.com offers travelers just like you the opportunity to check their credit scores and apply for cards that will benefit them on their international journeys. If you’re interested in learning more about credit cards, check Credit.com

Editorial disclosure: Reviews are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and aren’t reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards and fees. Check the issuer’s website for the most current information on each card listed.

Some offers mentioned here may have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned here.


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