This contract for your credit card account ("Account") includes the Credit Card Agreement ("Agreement"), the Important Terms of Your Credit Card Account and future amendments to this Agreement. Wells Fargo has unveiled an upgraded version of the 365 card — the Wells Fargo Propel American Express Card. We begin by calculating the daily balance of each Transaction category. We may also ask for your driver's license or other identifying information. We may restrict the amount of your credit limit that can be used for Cash Advances. at the issuer'ssecure website. (24)  Cancellation. Please note that you can change or reallocate your limits on your own by calling Customer Service at any time, with certain restrictions. Each approved claim has a benefit limit of $600. (29)  Assignment. See each section below for details. We can apply any unpaid amount against your credit limit. by. It may also increase or decrease the Minimum Payment due. Seleccione el enlace si desea ver otro contenido en español. You must have a Wells Fargo Debit or ATM card in order to redeem Rewards at a Wells Fargo ATM. (30)  Governing Law. This includes your name, mailing address, e-mail addresses, or phone numbers. Cash Advances from ATMs. Learn More. If your account has an annual fee it will be charged each year your account is open. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. Despite having no foreign transaction fee, Propel isn’t as widely accepted as any Visa or Mastercard, especially outside of the U.S. You are responsible for any service provider charges you may incur as a result of us contacting you by any means, whether such charges are related to text, data, equipment or other plans. Purchases made with Cash Advances from an ATM or with a check that accesses your credit card Account do not qualify. 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. Wells Fargo Propel American Express Credit Card Deep Dive. You agree to notify each authorized person that they are subject to all applicable sections of this Agreement.Information about Authorized Users. Opens in a new window. Your credit card may not be used to make a payment on any other Wells Fargo credit account. Your consent allows us and any companies working on our behalf to service your account, to use any means to contact you including: automated dialing devices, prerecorded/artificial voice messages, mail, e-mail, text messages, push notifications, and calls to your cell phone, or any other data or voice transmission technology. The APR may increase or decrease if the U.S. Prime Rate increases or decreases and this will also cause the related daily periodic rate to increase or decrease. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. The "Margin" for purchases and balance transfers will be 11.24 to 21.74 percentage points, based on your creditworthiness. If you have a balance on your account you will receive a billing statement. Wells Fargo Propel American Express Card benefits and perks. We're sorry, but some features of our site require JavaScript. SUPERCHECKS checks will post as a Balance Transfer only when they are included with a Balance Transfer offer. If we close the account, notice may be provided to only one Account Holder. Flights, hotels, homestays, and car rentals. You agree to allow us to disclose to any other person on your checking account, that this Card is linked to your checking account for overdraft protection. Cash redemption options by phone or online are redeemable in $25/2,500 Point increments only and can be done either by automatically applying it to Your eligible Wells Fargo Checking or Savings accounts, or Wells Fargo credit products that are qualified to receive cash redemptions, or by requesting a paper check. Use of your Card to get cash. 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. Examples include using your card for Cash Advances through an ATM, bank teller or Wells Fargo Online, Overdraft Protection advances, Balance Transfers, or cash-like purchases such as money orders, wire transfers, traveler checks, foreign currency, lottery tickets, casino chips, off-track wagers, other wagers, vouchers redeemable for cash or similar items. APR for Cash Advances and Overdraft Protection Advances. When you use your Account or let someone else use it, you promise to pay the total amount of the Purchases, Cash Advances, and Balance Transfers, plus all interest, fees and other amounts that you may owe us. We add the amount of a Purchase or Balance Transfer to the Purchase balance as of the transaction date shown on your statement. Use of your Account to buy or lease goods or services. You must notify us of your request by contacting us at the number on the back of your Card or by mail at Wells Fargo Bank, N.A., P.O. We may also obtain information at any time from the California Department of Motor Vehicles. Wells Fargo’s new credit card, the Propel American Express card, offers great value for both frequent and occasional travelers with triple points in several spending categories. If you are a married applicant you may apply for credit in your own name. The Addendum may also address Rewards expiration and forfeiture,and annual earning maximums. $25.00 (or the entire balance on the Account if the New Balance is less than $25.00). Your interpreter is at least 18 years old and is fluent in both English and in the language in which you chose to discuss with us the terms and conditions of your credit card Account. Usted entiende y está de acuerdo con los términos y condiciones contenidos en estos documentos adjuntos. 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. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. Restaurants and 1x on other purchases (purchases minus returns/credits) 1. This is the amount that is available for your use. Abuse, misuse or gaming includes, but is not limited to, making multiple purchases and multiple payments during a billing cycle whereby the dollar amount for each purchase in the aggregate substantially exceeds your credit limit. After that, your APR will be 14.49% to 24.99%, based on your creditworthiness. You can earn unlimited Points, unless We tell You otherwise. NMLSR ID 399801, + Fees and interest accrued on the previous day's Transaction category balance, - Payments, credits and adjustments that posted that day, ADB = sum of daily balances ÷ number of days in the Billing Cycle, Interest Charge = daily periodic rate x ADB x number of days in Billing Cycle. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. You may not assign your Account or any of your obligations under the Agreement. You must have permission from each authorized user allowing you to give us that personal information. If you are dissatisfied with the goods or services that you have purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the Purchase. The Minimum Payment is rounded-up to the next highest whole dollar amount. If a SUPERCHECKS check is not included with a Balance Transfer offer it will post as a Cash Advance. You must redeem Your Rewards within three months from the date We notify You of the discontinuation. The ATM owner may have additional restrictions. (28)  Information Reporting. (33)  The Military Lending Act Notice:  Federal Law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. Peter August 18, 2018, 12:15 pm 0 Comments. If the APR changes due to a change in the U.S. Prime Rate, the new APR will apply to both existing and future balances on the first day of your Billing Cycle. Wells Fargo Propel World American Express® Card. The following fees may apply to your account. These changes may apply to existing and future balances. Ang iyong tagasaling-wika ay wala pang 18 taong gulang at lubos na marunong sa Ingles at sa wika na napili mo para talakayin sa amin ng mga tuntunin at kundisyon ng iyong credit card Account. We are not responsible for anyone who refuses to accept your Card or any other Credit Access Device. The no-annual-fee Wells Fargo Propel American Express® card offers solid earning rates, especially in millennial-friendly bonus categories such as streaming services, dining and travel. 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. Cash Advance Fee. Navegó a una página que no está disponible en español en este momento. The Rewards associated with that Credit Card are not available for redemption, transfer or gifting. We may waive or delay enforcing any of our rights without losing them. You promise to use your Account only to the limits. If you do this and we find you not responsible, you will not be held liable for the unauthorized use of your Account. Popular streaming services. This fee may be charged if you requested expedited delivery for your credit card. The date and dollar amount of the suspected error. 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 The Wall Street Journal three business days prior to your billing statement closing date. This fee may be charged when an overdraft amount is advanced to the checking account linked to your Credit Card Account by you. (8) Credit Limit. A summary of your Account's APRs, fees and other important information. Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. If you are charged interest, the charge will be no less than $1.00. Your Account will be in default, and we may require immediate payment of your total Account if: If this is a joint Account, a default by one of you will be a default by all of you.We may prevent further transactions and we may close your Account and other Wells Fargo Accounts. An account within the Rewards Program that holds, calculates and/or collects Rewards. (9) Authorizations. This APR will vary with the market based on the U.S. Prime Rate. You agree to give us certain personal information about each authorized user. 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. My Wells Fargo Deals. Important Credit Terms. If you make a transaction in a currency other than U.S. dollars, then American Express will convert it into U.S. dollars on the date American Express processes it. We may use voice recognition technology to verify your identity when you call. This APR will vary with the market based on the U.S. Prime Rate. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. You agree to waive the address confidentiality requirements section of the California Vehicle Code (Section 1808.21). You cannot file a claim against the bank when you have a dispute with a merchant about payment for property or services that you paid for using a SUPERCHECKS check. This rate may differ from rates that are in effect on the date of your charge. Active Duty Military Servicemembers and Their Dependents: To our California customers who have discussed credit card terms and conditions with us in Spanish, Chinese, Korean, Vietnamese, or Tagalog: Read Section 34 about interpreter certification before you activate your credit card. You agree that your phone service providers may verify any phone numbers you have supplied to the name, address, and status on their records. You get 3x points in many popular categories, making it a great, well-rounded card. 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. How we will calculate your variable APRs: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. After that, if any person uses the Card, such use indicates his or her agreement to pay us, and we may, at our discretion, pursue the person for payment of any Outstanding Balance or any other charges they authorize. However, Propel suffers from one issue that all American Express cards do. You may use your consumer credit card Account for Purchases, Balance Transfers, Cash Advances and any other transactions we allow. Overdraft protection advances, interest and fees may cause your Account balance to exceed your credit limit. $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. We use a method called "average daily balance (including new purchases)". $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. Recover and destroy that person's Card. If the U.S. Prime Rate is no longer published or is not available, we may select a similar index. All rights reserved. The Wells Fargo Propel American Express® card offers a number of ways to accumulate points beyond traditional travel categories. See The Important Terms of Your Credit Card Account for the applicable charge. It will be at least 25 days from the statement closing date and will be provided on your billing statement. We can adjust your credit limit at any time, including automatic credit line increases for those who qualify. Federal law and the laws of South Dakota govern this Agreement and your account. We may then report you as delinquent if you do not pay the amount we think you owe. For a no-annual-fee card, the rewards are very generous. Simply use your eligible Wells Fargo 365 Propel® American Express Card to pay your monthly cell telephone bill and get up to $600 of cell phone damage and thief protection (subject to a $25 deductible). Finally, we calculate the interest. Gas: gas stations and automated fuel dispensers (gas … Okay so you're researching wells-fargo propel American Express card or should I say the new Wells Fargo propel American Express card Duane here with how to build credit TV and in this video we're gonna have a look at this particular credit card and see if this card is worth getting or if it's just another one of Wells Fargo's credit cards so that's where I've been you talking about this video 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. We will give you advance written notice of the changes and a right to reject the changes if required by law. You will earn additional rewards points through a Relationship Bonus if you maintain a qualifying consumer Wells Fargo … Rush Plastic Fee. You will promptly notify us if you change any contact information, including your name, mailing address, e-mail addresses, or phone numbers. Cash Advances, Balance Transfers and cash-like transactions are not Purchases. If you are offered a promotional rate after your account is opened, the terms will be provided at that time. However, it is important to note that the issuer is Wells Fargo, not American Express. We reserve the right to put conditions on the use of SUPERCHECKS checks and to reject, decline and return unpaid any SUPERCHECKS check or advance at our discretion. This Program is not available for products, promotions, or offers unless specifically allowed. Retail Protection. No annual fee, a $200 signup bonus and 3x points on several categories make the Wells Fargo Propel American Express® Card a solid cash back credit card option. To use this right, all of the following must be true: If all of the criteria above are met and you are still dissatisfied with the Purchase, contact us in writing at: While we investigate, the same rules apply to the disputed amount as discussed above. The sum of all unpaid amounts, including Purchases, Cash Advances, Balance Transfers, interest, fees and any other amounts that you may owe us. Lea la Sección 34 sobre certificación de intérprete antes de activar su tarjeta de crédito. We will also tell you if we have already corrected the error. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant code for American Express is classified as: Travel: airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages. If your account is in default you agree to pay our collection costs, attorney's fees, and court costs incurred in enforcing our rights under this agreement. An increase or decrease in the APR may increase or decrease the total amount of interest you pay. If you have a joint Account, a notice to one of you will serve as a notice to both of you. For any subsequent event within a rolling six billing cycle period, the fee will be the lesser of the Minimum Payment or $40. A court decree for divorce or separation or an out-of-court mutual agreement does not affect any of our rights to enforce this Agreement. For most transactions, interest will be charged beginning on the date a transaction is made on your account. Wells Fargo Propel American Express ® Card Terms and Conditions. Discounts and Amenities on Hotel. You must notify us immediately if your Card or account information is lost or stolen, or if you believe it's being used without your permission. Turn purchases into value with Amex-Only deals through My Wells Fargo Deals. For each Billing Period, we 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 The Wall Street Journal three business days prior to your billing statement closing date. The Wells Fargo Propel is designed for people with good credit. You are responsible for payment of the entire amount owed to us, including any Purchases, Balance Transfers or Cash Advances (and all related interest and fees) made by the authorized person. This fee may be charged each time we do not receive the required Minimum Payment due by the Payment Due Date. To find out what may have changed, call 1-866-568-6521. The Purchase must have been made in your home state or within 100 miles of your current mailing address, and the Purchase price must have been more than $50. NMLSR ID 399801. We may change this Agreement at any time. Cash Advances from ATMs may be limited by amount or frequency. Existing Propel 365 cardmembers have automatically been moved over to the new card and the card will be available to the public on July 16. In the event of the death of all fully liable cardholders, authorized users' privilege ends automatically. See the Consumer Credit Card Customer Agreement and Disclosure Statement for more details. credit or loan account or any Wells Fargo affiliated company credit or loan account. 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. The "Margin" for cash advances and overdraft protection advances will be 20.74 to 22.74 percentage points, based on your creditworthiness. Your credit card must be activated; if it is not activated, no money will transfer to cover the overdraft. See Deals. This APR will vary with the market based on the U.S. Prime Rate. 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. Up to 5% for each balance transfer, with a minimum of $5. U.S. Prime Rate effective as of 01/24/2021, Margin added to the U.S. Prime Rate to determine your APR for purchases and balance transfers, Margin added to the U.S. Prime Rate to determine your APR for cash advances and overdraft protection advances, APR for cash advances and overdraft protection advances, © 1999 - 2021 Wells Fargo. Payment Instructions. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Please read this Agreement carefully and keep it for your records. To avoid paying interest on new Purchases you have to pay your entire New Balance by the Due Date on your statement each Billing Period. 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. We may assign the following limits to your Account: Cash Advance Limit. (Note: Neither of these are necessary if your Purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.). Keep This Notice For Future Use. There is no annual fee of the card and also No APR for purchases and balance transfers for 12 months. Either $10 or 5% of the amount of each advance, whichever is greater. Payments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances with lower ones.We post payments to the Billing Cycle within which they are received. We think that … If You use Your Points to get an airline ticket, each Point is worth 1 cent ($0.01) towards the ticket’s purchase. (7) Promise to Pay. (18) Grace Period. Editor’s note: This post has been updated with the most current card information. (6)  Lost or Stolen Cards and Liability for Unauthorized Use, and Zero Liability Protection. In general, the costs of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. This would be described in the Important Terms of Your Credit Card Account. You may notify using other ways (including telephone), but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. Your due date will be at least 25 days from the statement closing date and will be provided on your billing statement. Competition amongst banks is providing consumers with more options than ever before. Box 10347, Des Moines, IA 50306. We can immediately suspend or disqualify You from the Program, in whole or in part, at any time and for any reason. (3) Contacting You. With no limit … See the Consumer Credit Card Customer Agreement and Disclosure Statement for more details. You do not earn Points on some transactions. 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 $20/2,000 Point increments only. We don't guarantee approval of transactions. 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. Points do not expire while this Credit Card account is open. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We reserve the right to deny transactions or authorizations from merchants who may be engaging in the internet gambling business. Wells Fargo Propel 365 American Express® Card. If you have a joint Account, a notice to one of you will serve as a notice to both of you. You agree to assist us in our investigation of the matter. If you’re traveling abroad, consider bringing a Visa or Mastercard credit card as a backup in case you can’t use this one. What Will Happen After We Receive Your Letter. 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. 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. IMPORTANT DISCLOSURES. The APR will continue to vary even if your Account is closed.Standard APRs. The Wells Fargo Propel 365 American Express ® Card. And for any reason Advance in writing when we make material changes to your Account is open en este.! No money will transfer to the nearest whole dollar the remainder of your credit application at any,. You believe is inaccurate and provide any supporting documents with your credit card is a fairly typical Secured,! The Rewards Program that holds, calculates and/or collects Rewards promise to use your credit. If any provision of this Agreement.Information about authorized Users the Addendum may also the. 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