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Wells Fargo

Wells Fargo Information and Rules

Bonus Limit– You can only get one introductory bonus every 16 months.

Banking Relationship: Wells Fargo would prefer to have a banking relationship before approving you for a credit card, so consider opening a checking account with a sign-up bonus. (However, I have a 12-year relationship with Wells Fargo’s checking as my primary account, but I was still denied when I applied for a card).

Annual Fee Refund- If your account is closed within 90 days of the annual fee being charged, the annual fee will be refunded.

Application Status: 1-877-514-3717

Reconsideration: 1-866-412-5956

Propel American Express

Application Link (Target: 30,000; Current: 30,000) 

Annual Fee: $0

Earning: 3x on travel, dining, gas stations, and streaming services; 1x everywhere else. (1 point= 1 cent)

Benefits: Cell phone insurance, extended warranty, return protection, purchase protection, travel accident insurance, lost baggage insurance, and secondary rental car insurance. 

Cash Wise Visa

Application Link (Target: $200; Current: $200)

Annual Fee: $0

Earning: 1.5% cash back (1.8% on Android or Apple Pay purchases within the first 12 months)

Benefits: 0% APR for 12 months and cell phone insurance (up to $600 with $25 deductible with a maximum of 2 claims per year)

Visa Signature

Application Link (Target: 20,000 points; Current: 20,000 points) (worth $300 for flights)

Annual Fee: $0


  • First 6 months: 5x points on gas, grocery, and drugstore net purchases for 6 months on up to $12,500 spent and 1x points on other net purchases
  • After 6 months: 1 point per $1 for everything (equals 1.5% cash back when redeeming for flights)

Benefits: 0% APR for 12 months, 50% extra value when redeeming points for airfare (basically 1.5 cpp for flights), cell phone insurance, trip cancellation insurance, lost luggage reimbursement, 60-day price protection, and 90-day purchase protection.



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