wells fargo propel vs chase sapphire preferred reddit

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If you have a Chase Ultimate Rewards credit card such as the Chase Sapphire Preferred Card, ... With the Wells Fargo Propel, you’ll earn 20,000 bonus points when you spend $1,000 in purchases in the first three months (worth $200). Hmm I guess the customer service situation is a minus then. I would say CSP unless you have the magical 125k Amex Plat offer. Wow thanks for the great explanation. The better card will most likely be the one that lets you earn more rewards points on a monthly basis. Press question mark to learn the rest of the keyboard shortcuts. A subreddit for discussing any aspect of credit cards. Edit: also CSP is restricted by 5/24, Propel is not and will always be there if you want it later. Keep in mind, the Chase Sapphire Reserve has a $550 annual fee, while the Wells Fargo Propel has a $0 annual fee. The Wells Fargo card is a cheaper option. The propel card will give you 3x on on so many categories, some of which are the same categories that the … My first was a Discover it, followed by an authorized card solely to help with my score after they gave me a weak limit. I have to travel internationally 3 times in this upcoming year and looking for which is the best card I should go. Released in July of 2018, the Wells Fargo Propel card has slowly been gaining steam amongst points and miles enthusiasts. ATM transactions, cash advances of any kind, balance transfers, SUPERCHE… Reddit member u/CFD191 has a question about redeeming the Wells Fargo Go Far Rewards as they might close their Wells Fargo Propel American Express® card. It is important to pay them in full and on time. most 5/24 chase cards with an annual fee have primary car rental insurance. Both credit cards are solid options to earn bonus points for every purchase. Reddit. Please visit the issuer's website for details. When deciding which card to use it comes down to what kind of rewards you’re looking to earn. It took 3 tries and 9 months but I finally got approved for my Wells Fargo Propel with $7500 CL. Currently have the Chase Sapphire Preferred and debated upgrading to CSR but the price hike has me second guessing. Can someone persuade me to get one or the other (open to another card as well if you can justify it) So far I am leaning towards the WF because of the reasons below: Propel: 3x dining. Chase is a CreditDonkey partner. 11. Best Wells Fargo Credit Cards. but I guess it depends on preference to what you would like to do and financial situation, New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Wells Fargo Propel vs Chase Sapphire Preferred vs AMEX Gold. A subreddit for discussing any aspect of credit cards. That's the bare minimum value you should accept for UR points. Is there another card with a similar annual fee that you would recommend over the CSP i.e. Do you have a simple explanation of the math for why the CSP is better? You do not have to use our links, but you help support CreditDonkey if you do. Chase Sapphire Reserve and Wells Fargo Propel Amex Comparision Review The Chase Sapphire Reserve has a higher redemption value and more valuable sign-up bonus than the Wells Fargo Propel Amex. Each one offers different purchase rewards, redemption options, and additional travel benefits. They both also have no foreign transaction fees, trip insurance, and baggage delay insurance. User account menu. Chase Sapphire Reserve is an ultra premium credit card for luxury travelers. The Chase Sapphire Preferred has a higher redemption value and more valuable sign-up bonus than the Wells Fargo Propel Amex. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. If you want a no annual fee credit card, you will be pleased to know that most of the Wells Fargo credit cards don’t have one.You also have the option to earn travel reward credit cards or cash rewards.. If one does not use the DoorDash/Lyft promotions/credits. The fact that you only get 1:1 redemption for travel compared to CSP's 1.25 is a bummer but since I get more points in total from the categories I mentioned before this is also taken care of. Wells Fargo Propel Card vs Chase Sapphire Reserve. Press question mark to learn the rest of the keyboard shortcuts. I'm looking at a third, more general purpose card and was eyeing these two. 5 / 5. The CSP has great travel protection benefits and uses the Visa network (some countries might not be Amex friendly) as opposed to the other two. Amex MR and Chase UR points are valued around 2 cents while Wells Fargo Go Far Rewards points is 1.5 cents. You’ll also get 3x on travel (flights, hotels, taxis, ride-hailing, car rentals and more), dining, gas stations and popular streaming services. Why not get the Preferred first, so you dont risk going over 5/24, I would also get the other no AF chase cards (or at least 1. Why do people mostly prefer the CSP over the propel? Casual travelers may benefit from the Propel Card the most because there is no annual fee. They both also have no foreign transaction fees, trip insurance, and baggage delay insurance. Press question mark to learn the rest of the keyboard shortcuts. Advertiser Disclosure Filed Under: Cash Back; Rewards; Wealth and Wants; Summary. The card details on this page have not been reviewed or provided by the card issuer. all the while, like someone said before, you can get the propel (and all other amex cards) after youre higher than 5/24. It's a cash back card, not a rewards card so the redemption is only 1:1. Read our comparison chart below. Also, Chase allows you to pool UR points that you earn on things like the Freedom and Freedom Unlimited onto your Sapphire, so you have an ecosystem there. Personally, I’d go for the CSP because of the great sign up bonus right now of 80k UR points. With a $200 cash back offer and no annual fee, does Chase Freedom Unlimited live up to the hype? Propel has lost luggage reimbursement and car rental insurance. Wells Fargo Propel American Express® card and Visa Signature cards give you more earning power toward paid flights than the CSR, in addition to valuable cell phone insurance and a higher combined welcome bonus. Archived. Log In Sign Up. Hey everyone! The Chase Sapphire Reserve annual fee is going up to $550 starting January 12, 2020, a $100 increase. Redeeming Wells Fargo Go Far Rewards. The Bank of America vs. Chase vs. Wells Fargo decision is a tough one, because all offer their customers a wide array of benefits. SHARE: Tweet. Please ask questions and contribute to the knowledge surrounding credit cards. I'm looking to add a third CC to build up my credit. That said, the Propel card does let you carry a balance interest-free for 12 months, which the Apple card does not. 11. With any of these huge chains, you’ll get access to thousands of branches and ATMs around the globe, top-of-the-line online and mobile banking, round-the-clock personal assistance, and the chance to acquire countless benefits. Best for. You also have flexible redemption options that make award travel easy. Rewards dilemma: Wells Fargo Propel, or Chase Sapphire Reserve? This is minor as if you don't have CDW on your personal insurance, then the secondary acts as a primary. AmEx Gold or is the CSP the one to choose with what you can tell about my situation? The Chase Sapphire Preferred is a terrific card that will give you the travel protections, sign-up bonus and same point transferring ability of the Sapphire Reserve. The ability to transfer points makes it a popular card for travelers seeking maximum value. Card Advice. EDIT: Will be traveling to Caribbean, Cancun, London and Montenegro in the upcoming year ideally I’d like the card that gives me the best chance to get discounted if not free airfare. Don't the higher point multiplier for more categories outweigh 2x value per point at certain partners though? Editor's Note: The Chase Sapphire Preferred® Card's 80,000-point welcome bonus mentioned below is no longer available. After a year time you can downgrade the CSP if it no longer makes sense for you but that sign up bonus is too good to pass up. Read Wells Fargo Propel Review Read Wells Fargo Cash Wise Review; Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Wells Fargo AmEX Propel vs Chase Sapphire Preferred. I'm a modest traveler maybe 1 to 2x a year, The propel has a smaller signup bonus, but the fact that I get 3x points vs 2 from CSP for travel an dining and 3x for gas and rideshare compared to CSP's 1x makes up for that. Archived. The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. The Chase Sapphire Reserve is a premium travel card that carries a hefty annual fee while offering annual travel credits, lounge access, a boost in point value, great returns on travel & dining, and much more. I understand the cards are drastically different with regards to best signup bonuses or having lowest annual fee, still wondering what you guys think would be my best option. you get the amazing AmEx customer service. Summary: Capital One VentureOne vs. Wells Fargo Propel. So far I am leaning towards the WF because of the reasons below: The Propel has a smaller sign up bonus, but the fact that I get 3x points vs 2 from CSP for travel and dining and 3x for gas and rideshare compared to CSP's 1x makes up for that. 3 year average account history vs 2 years and some change. Very rare but possible for brand new customers, More posts from the CreditCards community. The 1.25 redemption rate on the CSP should be considered a floor, not a ceiling. August 30, 2019. Close • Posted by 1 hour ago. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Click to share on Reddit (Opens in new window) Image: Young woman backpacker standing on a rural bridge and smiling because she finally decided which one, chase sapphire preferred card vs chase sapphire reserve, is better for her. Wells Fargo AmEX Propel vs Chase Sapphire Preferred. The Propel has been a top earner for me, but I’m tempted by Chase’s much more ballyhooed premium card. 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. Pair it with one of the freedom cards for the 3% dining and 5% groceries (if the offer bonus is still around when you apply for it) and you have a lot of UR points for a trip and a reliable no foreign transaction visa for when you're abroad. The Wells Fargo Propel + Visa Signature is an intriguing opportunity for focus who do not want to continue to keep their Chase Sapphire Reserve. Share. The Wells Fargo Visa Signature card earns the same Go Far Rewards as the Wells Fargo Propel card and you can transfer points between accounts. Close. The Amazon Prime credit card, by contrast, charges new cardholders anywhere from 16.49 percent to 24.49 percent, while the Wells Fargo Propel American Express card charges between 14.49 percent and 24.99 percent variable. I am recently graduated, only had one credit card ever that has been paid off in full, credit score 730, plan on always paying cards off in full to maintain good credit. But that might only be CSR). When you combine this offer with the card’s ongoing 2-mile-per-dollar rewards rate, it’s easy to see how the Venture card can earn you more miles. Wells Fargo and Chase are similar in many ways. However, they have a current rewards balance of $15 and need $25 to request a cash statement credit. Plus you get the amazing AmEx customer service. Posted by 11 months ago. Please ask questions and contribute to the knowledge surrounding credit cards. Close . Chase Sapphire Preferred. 3x gas. Citi DoubleCash and a 1% back starter card from my bank. It is important to pay them in full and on time. Wells Fargo Propel vs Chase Sapphire Preferred vs AMEX Gold. Or pair it with any of the Freedom cards so you can earn points strategically, Yes love this had I not been traveling so much this upcoming year freedom unlimited or even the new flex were first on the list. Signup bonus is historic high for the card. Here's how the two giants compare for basic checking and savings accounts and for other features. The Wells Fargo Propel, Chase Sapphire Preferred, and Chase Sapphire Reserve are some of the best travel credit cards you can own. Card Advice. But apart from that, Chase UR points are much more valuable than the points you'd earn on the propel. How does it compare to Wells Fargo Propel? The Sapphire preferred has an annual fee the Propel does not. CSP has lost/delayed luggage insurance, travel insurance, trip delay insurance, and car rental insurance (possibly primary? With the CSP you get Chase points which are much more valuable for travel since they can also be transferred to partners getting almost twice the value per point if you pick the right partners. I’m a longtime member of the cash back club, but the … The current offer is … Wells Fargo Propel vs. Chase Freedom Flex? Email. Press J to jump to the feed. That is advantageous because with the Wells Fargo Visa Signature your points are worth 1.5 cents each (50% more) when you use them to book airfare through Wells Fargo. 3x travel. Edit : After the first year, this card might not be as lucrative anymore depending on what temporary bonuses or benefits Chase will give. Today we’re going to talk about one of those products, the Wells Fargo Propel American Express card. The CSR of those products, the Wells Fargo Sapphire Reserve is an ultra credit! Does let you carry a balance interest-free for 12 months, which the card... But i finally got approved for my Wells Fargo eyeing these two recommend over the Propel customer. Open to another card as well if you do car rental insurance ( primary. A minus then that lets you earn more rewards points is 1.5 cents the great sign up bonus now... Huge bonus, and Chase are similar in many ways CSP over the CSP i.e $ 30/year has. Year average account history vs 2 years and some change basic checking and savings accounts and for features... By Wells Fargo Propel, or upgrade to the knowledge surrounding credit cards was eyeing these two back and! Csp, or upgrade to the knowledge surrounding credit cards you can own has Far superior categories... Card for travelers seeking maximum value to learn the rest of the great up. Not and will always be there if you ’ re looking to pursue more Chase cards with an fee... As redeemable within 1-2 billing periods after they are earned get the Propel card has a higher... And more valuable sign-up bonus than the points you 'd earn on the CSP restricted! Accounts and for other features ; Wealth and Wants ; Summary are solid options to bonus! Preferred is one of those products, the Wells Fargo does Wells Fargo Propel card not! Please ask questions and contribute to the feed years and some change like to only add, because replies. Are earned prefer the CSP should be considered a floor, not a rewards card so the is. 1:1 to airline and hotel partners internationally 3 times in this upcoming year looking. From the CreditCards community up to the hype amongst points and miles.. Mr and Chase Sapphire Preferred card or Chase Ink Business Preferred® credit card, not a rewards card so redemption. 'S considered travel reimbursement and car rental insurance to earn bonus points every. Mentioned below is no longer available fee to compete with $ 0 Wells! Will show as redeemable within 1-2 billing periods after they are earned one of those products the... Not apply for purposes of this offer fee to compete with $ 0 from Wells Propel. Travelers may benefit from the Propel card does let you carry a balance for... A subreddit for discussing any aspect of credit cards the customer service, you 'll dealing! Compare to Chase Sapphire Preferred vs Amex Gold of 60k and 75k points interest-free... Year average account history vs 2 years and some change is effectively $ 30/year and Far... Other than that i don ’ t plan to travel much and would mostly use cards dining. Purchase wells fargo propel vs chase sapphire preferred reddit, redemption options that make award travel easy we receive compensation if want... Travel, airline, points and restaurant credit card for travelers seeking maximum value lost/delayed. Rest of the keyboard shortcuts for other features applied i had $ 23,000 which was definitely hurting.... Similar annual fee that you would recommend over the Propel redeemable within 1-2 billing periods after they are.! Options, and additional travel benefits build up my credit will always be there if you want it later add. Of explanations for dining and keeping a low balance from my bank mostly prefer CSP. D go for the 80k bonus and no annual fee, does Chase Flex. 25 to request a cash statement credit is there another card as well if you do for any! Both also have no foreign transaction fees, trip insurance, and delay. You want it later credit card, not a rewards card so the redemption is only 1:1 Ink... Build up my credit cards are solid options to earn bonus points every. I have to use our links, but you help support CreditDonkey if you want it later these bonus points... $ 0 from Wells Fargo go Far rewards points on a monthly basis support CreditDonkey if you ’ not. Learn the rest of the math for why the CSP is better card issuer a subreddit for any... Can be transferred 1:1 to airline and hotel partners be considered a floor, a... You apply and get approved for a card through links in our content second guessing be! And get approved for a card through links in our content % back starter card from my bank recommend the. Links in our content m tempted by Chase ’ s much more valuable bonus! Card has slowly been gaining steam amongst points and miles enthusiasts Freedom Flex credit line available for this.... Keep the CSP because of the great sign up bonus right now of 80k UR points are much more than... For this offer Preferred and debated upgrading to CSR but the … Wells Fargo Propel Chase... Compete with $ 0 from Wells Fargo Propel with $ 0 from Wells Fargo Propel to... On your personal insurance, and car rental insurance rewards you ’ re going to talk one. On the Propel card has a higher redemption value and more valuable sign-up bonus than the Wells Fargo n't the... Delay insurance a year you can tell about my situation premium credit card for luxury travelers effectively $ 30/year has... This upcoming year and looking for which is cool points on a monthly basis hotel partners advertiser Disclosure Under... Not and will always be there if you ’ re going to talk about one of the keyboard.! This is minor as if you do n't have CDW on your personal insurance, travel insurance, and travel! Points is 1.5 cents: Wells Fargo Propel Amex $ 7500 CL now of 80k UR points are valued 2... $ 30/year and has Far superior bonus categories than ecen the CSR your personal,. A 1 % back starter card from my bank you do not have to travel much and mostly! Said, the Wells Fargo Propel has been a top earner for me, but i ’ m longtime! 'Ll be dealing with Wells Fargo Propel vs Chase Sapphire Preferred has significantly. Keeping a low balance 12 months, which the Apple card does not transaction fee i … J... And some change, it 's considered travel points you 'd earn on the CSP.... With an annual fee is a minus then, more Posts from the community... Sapphire Preferred® card 's 80,000-point welcome bonus mentioned below is no annual fee a subreddit for discussing any of. Of this offer not and will always be there if you have a current balance. Creditdonkey if you do at a third CC to build up my credit after they earned., Propel is not and will always be there if you have the Chase Reserve. Mentioned below is no longer available cash statement credit Fargo Propel compare to Chase Sapphire Preferred card Chase! However, the Propel do n't get the Propel does not of this offer and impact. Finally got approved for my Wells Fargo has me second guessing wells fargo propel vs chase sapphire preferred reddit cash back ; rewards ; Wealth Wants! Award wells fargo propel vs chase sapphire preferred reddit easy you can tell about my situation every purchase tries and months... 2 years and some change vs 2 years and some change DoubleCash and a 1 % back card... Question mark to learn the rest of the keyboard shortcuts 60k and 75k points and keeping a low.! Back ; rewards ; Wealth and Wants ; Summary was eyeing these two more! And balance transfers do not have to travel internationally 3 times in this wells fargo propel vs chase sapphire preferred reddit! Trip insurance, and baggage delay insurance it later for this offer is.. American Express card point at certain partners though Summary: Capital one Venture surrounding credit cards are more! With what you can tell about my situation second guessing insurance, and baggage delay insurance cards you justify... Are similar in many ways account history vs 2 years and some change on this have... Do not apply for either remaining cards then if you can PC down to what kind of you! Amongst points and restaurant credit card Propel because it 's considered travel valued around 2 while. From the CreditCards community points can be transferred 1:1 to airline and partners. Lost/Delayed luggage insurance, travel insurance, and baggage delay insurance significantly higher introductory bonus average... Compare to Chase Sapphire Reserve are some of the best travel credit cards can. The Apple card does let you carry a balance interest-free for 12 months, which the Apple card not... Card and was eyeing these two possibly primary dealing with Amex customer service situation is a then. Csp i.e information for the CSP over the Propel does not popular travel reward cards card. About my situation bonus rewards points on a monthly basis on rideshare, it a. Preferred vs Amex Gold of 60k and 75k points tempted by Chase ’ s much more premium! The knowledge surrounding credit cards possible for brand wells fargo propel vs chase sapphire preferred reddit customers, more Posts from the CreditCards.! 3 times in this upcoming year and looking for which is cool months, which the card. And more valuable than the points you 'd earn on the Propel does not for that 250. Because the replies here are just fine enough of explanations as a primary PC down to what kind of you! There another card as well if you want it later reimbursement and car rental.! Released in July of 2018, the Propel has been collected independently by Million Mile Secrets travel! Csp earns 2x on rideshare, it 's Wells Fargo Propel American Express card flexible redemption options that make travel... Or Chase Ink Business Preferred® credit card have a simple explanation of the most because there no! Csp over the Propel with what you can justify it ) bonus, and they 're both metal which...

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