topic Re: WF Propel how do points work? How does it combine with a cash rewards with other cards? in Credit Cards

WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 18:51:10 GMT

So I'm curious how the points work with the WF Propel card.

Is it 3 points for every dollar spent in their 3x catorgeries and 1x for everything else?

Also if you have like a WF Cash Wise card like i do that's a flat 1.5% back is there separate cash and point rewards categories in your WF GoFar rewards account?

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 19:14:05 GMT

@Anonymous wrote:
So I'm curious how the points work with the WF Propel card.

Is it 3 points for every dollar spent in their 3x catorgeries and 1x for everything else?

Also if you have like a WF Cash Wise card like i do that's a flat 1.5% back is there separate cash and point rewards categories in your WF GoFar rewards account?

Not sure how it works with the cash wise card, but 3 pts on the Propel is worth 3 cents. Get 3,000 points and convert it to $30 cash back. Or use it for travel using their travel portal. I use cash back all the time for a statement credit.

I guess points are points. 1.5% cash back might be 1.5 points in the GoFar account, but not certain.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 19:15:57 GMT

Propel is straight forward in earnings as listed for the card on their site.

A little while back they made it so you can do partial redemptions instead of the $25 min requirement which works well for smaller puchases you can basically redeem them for the full purchase instead of hitting thresholds.

As to how they combine w/ other cards someone else can answer that since you have to wait 15 months betwen cards to get the new SUB for each card.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 19:23:42 GMT

@Anonymous wrote:
Propel is straight forward in earnings as listed for the card on their site.

A little while back they made it so you can do partial redemptions instead of the $25 min requirement which works well for smaller puchases you can basically redeem them for the full purchase instead of hitting thresholds.

As to how they combine w/ other cards someone else can answer that since you have to wait 15 months betwen cards to get the new SUB for each card.

Yes, the redeem for purchases is there but...... I made a $5 purchase and a $4.76 purchase on the card the same day. Then I redeemed the $5 purchase with points. Worked great. The next day I decided to redeem the $4.76 purchase too. It did not show as available to redeem, even though I have enough points to redeem. There were other purchases (all the other large ones that I didn't have enough points for), that were listed. It seems that it limits you from redeeming too many small purchases, because normally every purchase shows as redeemable, even ones that you don't have enough points for.

Still a great card though.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 19:43:38 GMT

@Anonymous wrote:
@Anonymous wrote:
So I'm curious how the points work with the WF Propel card.

Is it 3 points for every dollar spent in their 3x catorgeries and 1x for everything else?

Also if you have like a WF Cash Wise card like i do that's a flat 1.5% back is there separate cash and point rewards categories in your WF GoFar rewards account?
Not sure how it works with the cash wise card, but 3 pts on the Propel is worth 3 cents. Get 3,000 points and convert it to $30 cash back. Or use it for travel using their travel portal. I use cash back all the time for a statement credit.

I guess points are points. 1.5% cash back might be 1.5 points in the GoFar account, but not certain.

if you pool GF points to a pool created by a wells fargo signature holder (could be anybody), then you can redeem the points at 150% value. So 3x points becomes 4.5% (or ~5% if you are in a loyalty program) when you redeem it for flight through WF travel portal.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 19:48:25 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
So I'm curious how the points work with the WF Propel card.

Is it 3 points for every dollar spent in their 3x catorgeries and 1x for everything else?

Also if you have like a WF Cash Wise card like i do that's a flat 1.5% back is there separate cash and point rewards categories in your WF GoFar rewards account?
Not sure how it works with the cash wise card, but 3 pts on the Propel is worth 3 cents. Get 3,000 points and convert it to $30 cash back. Or use it for travel using their travel portal. I use cash back all the time for a statement credit.

I guess points are points. 1.5% cash back might be 1.5 points in the GoFar account, but not certain.
if you pool GF points to a pool created by a wells fargo signature holder (could be anybody), then you can redeem the points at 150% value. So 3x points becomes 4.5% (or ~5% if you are in a loyalty program) when you redeem it for flight through WF travel portal.

Just make sure to check out the cost of a flight through WF portal vs. Priceline etc. for the identical flight.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:11:32 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
So I'm curious how the points work with the WF Propel card.

Is it 3 points for every dollar spent in their 3x catorgeries and 1x for everything else?

Also if you have like a WF Cash Wise card like i do that's a flat 1.5% back is there separate cash and point rewards categories in your WF GoFar rewards account?
Not sure how it works with the cash wise card, but 3 pts on the Propel is worth 3 cents. Get 3,000 points and convert it to $30 cash back. Or use it for travel using their travel portal. I use cash back all the time for a statement credit.

I guess points are points. 1.5% cash back might be 1.5 points in the GoFar account, but not certain.
if you pool GF points to a pool created by a wells fargo signature holder (could be anybody), then you can redeem the points at 150% value. So 3x points becomes 4.5% (or ~5% if you are in a loyalty program) when you redeem it for flight through WF travel portal.
Just make sure to check out the cost of a flight through WF portal vs. Priceline etc. for the identical flight.

right, do that, so far they are the same for two flights I booked.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:12:28 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
So I'm curious how the points work with the WF Propel card.

Is it 3 points for every dollar spent in their 3x catorgeries and 1x for everything else?

Also if you have like a WF Cash Wise card like i do that's a flat 1.5% back is there separate cash and point rewards categories in your WF GoFar rewards account?
Not sure how it works with the cash wise card, but 3 pts on the Propel is worth 3 cents. Get 3,000 points and convert it to $30 cash back. Or use it for travel using their travel portal. I use cash back all the time for a statement credit.

I guess points are points. 1.5% cash back might be 1.5 points in the GoFar account, but not certain.
if you pool GF points to a pool created by a wells fargo signature holder (could be anybody), then you can redeem the points at 150% value. So 3x points becomes 4.5% (or ~5% if you are in a loyalty program) when you redeem it for flight through WF travel portal.
Just make sure to check out the cost of a flight through WF portal vs. Priceline etc. for the identical flight.

I just did a random flight using WF portal vs Priceline. I chose a RT flight from Atlanta to Chicago o'hare December 14 through the 21st on United. Price on WF was $209 or 20810 points. On Priceline, the price was $218.

Not sure why I saw inflated prices on WF. Its possible I misread the airline OR I found another flight on another airline that was cheaper. I did see a DELTA flight on priceline an hour earlier for $172. I need to go see if its available on WF.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:19:25 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
So I'm curious how the points work with the WF Propel card.

Is it 3 points for every dollar spent in their 3x catorgeries and 1x for everything else?

Also if you have like a WF Cash Wise card like i do that's a flat 1.5% back is there separate cash and point rewards categories in your WF GoFar rewards account?
Not sure how it works with the cash wise card, but 3 pts on the Propel is worth 3 cents. Get 3,000 points and convert it to $30 cash back. Or use it for travel using their travel portal. I use cash back all the time for a statement credit.

I guess points are points. 1.5% cash back might be 1.5 points in the GoFar account, but not certain.
if you pool GF points to a pool created by a wells fargo signature holder (could be anybody), then you can redeem the points at 150% value. So 3x points becomes 4.5% (or ~5% if you are in a loyalty program) when you redeem it for flight through WF travel portal.
Just make sure to check out the cost of a flight through WF portal vs. Priceline etc. for the identical flight.
I just did a random flight using WF portal vs Priceline. I chose a RT flight from Atlanta to Chicago o'hare December 14 through the 21st on United. Price on WF was $209 or 20810 points. On Priceline, the price was $218.

Not sure why I saw inflated prices on WF. Its possible I misread the airline OR I found another flight on another airline that was cheaper. I did see a DELTA flight on priceline an hour earlier for $172. I need to go see if its available on WF.

Found that the Delta flight IS available on WF portal. That same $172 flight on Priceline was $229 on WF.

So, no, it wasn't the beers making the prices seem different on both sites.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:27:34 GMT

The portal comaprison is one thing but, do multiple accounts with WF combine into a single bucket of points to draw off of was the question.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:35:57 GMT

@Anonymous wrote:
The portal comaprison is one thing but, do multiple accounts with WF combine into a single bucket of points to draw off of was the question.

To complete the analysis, so the cheapest flight for that morning is $172 Delta on Priceline. However, the cheapest on WF is $209 United. However, I can get 50% more points using WF travel rewards and since $209 is not 50% more than $172, it's still more cost effective to pay the $209 with points due to the 4.5% redemption.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:37:02 GMT

where is that 172 delta flight from atl to ord from dec 14 to 21? cos i don't see it.

Its perfectly fine to suggest people compare before purchasing, but there is no need to attack wf portal, it usually present the same price as one can get on airline website, which is the same most of the time as the PL. We know PL may have better deals at times, but that doesn't prove WF inflate price.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:37:46 GMT

@Anonymous wrote:
The portal comaprison is one thing but, do multiple accounts with WF combine into a single bucket of points to draw off of was the question.

you can pool with anyone, so anwser is yes,

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:42:17 GMT

@Anonymous wrote:
where is that 172 delta flight from atl to ord from dec 14 to 21? cos i don't see it.

Its perfectly fine to suggest people compare before purchasing, but there is no need to attack wf portal, it usually present the same price as one can get on airline website, which is the same most of the time as the PL. We know PL may have better deals at times, but that doesn't prove WF inflate price.

It was on Priceline.com website directly.

I have the Propel card, so I'm not attacking it. Just suggesting you won't fly thr cheapest using their website. However, with this random small sample exercise, if you have the points to cover the flight, it's cheaper to go WF portal with points rather than pay with CC directly on Priceline, provided you don't care that you are flying United instead of Delta.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:45:24 GMT

If you're spending on flights or whatever you should be comparing them either way unless price is of no matter to you. Either way if you use one of your WF cards to purcahse you can redeem the points against the purchase. So, where you spend doesn't really matter, what matters is if you can pull points from 2+ cards to payoff the charge.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:48:18 GMT

@Anonymous wrote:
@Anonymous wrote:
where is that 172 delta flight from atl to ord from dec 14 to 21? cos i don't see it.

Its perfectly fine to suggest people compare before purchasing, but there is no need to attack wf portal, it usually present the same price as one can get on airline website, which is the same most of the time as the PL. We know PL may have better deals at times, but that doesn't prove WF inflate price.

It was on Priceline.com website directly.

I have the Propel card, so I'm not attacking it. Just suggesting you won't fly thr cheapest using their website. However, with this random small sample exercise, if you have the points to cover the flight, it's cheaper to go WF portal with points rather than pay with CC directly on Priceline, provided you don't care that you are flying United instead of Delta.

I searched on priceline.com website, and I posted the screenshot. As you can see, there is no 172 price. So it is incorrect to suggest using wf portal won't get cheapest price.

Now, I am not saying that 172 is false, I am fairly confident you saw it for sure. I am simply saying 172 is not the CURRENT price. Price changes literally all the time. I ran into situation before that in the span of 10 minutes, the cheapest price jumped 60 on my delta itinerary.

Again, price comparison is great, and no, there is no strong evidence to suggest wf portal will not give you lowest price.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:49:24 GMT

@Anonymous wrote:
If you're spending on flights or whatever you should be comparing them either way unless price is of no matter to you. Either way if you use one of your WF cards to purcahse you can redeem the points against the purchase. So, where you spend doesn't really matter, what matters is if you can pull points from 2+ cards to payoff the charge.

Right. If you have the points to cover the entire flight, skip the $172 on Priceline and get the $209 on WF with 50% more points.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:55:35 GMT

@Anonymous wrote:
@Anonymous wrote:
If you're spending on flights or whatever you should be comparing them either way unless price is of no matter to you. Either way if you use one of your WF cards to purcahse you can redeem the points against the purchase. So, where you spend doesn't really matter, what matters is if you can pull points from 2+ cards to payoff the charge.
Right. If you have the points to cover the entire flight, skip the $172 on Priceline and get the $209 on WF with 50% more points.

NO, just use the card on Priceline and erase the purchase with points.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:57:59 GMT

I think I figure out what your mistake was. Its not a delta ticket. 172 is a mix itinerary, delta out, united in.

You can find the same price on wf portal.... actually cheaper. lol

So, again, wf portal has the cheapest price.

Re: WF Propel how do points work? How does it combine with a cash rewards with other cards?

Anonymous — Sat, 02 Nov 2019 20:59:45 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
where is that 172 delta flight from atl to ord from dec 14 to 21? cos i don't see it.

Its perfectly fine to suggest people compare before purchasing, but there is no need to attack wf portal, it usually present the same price as one can get on airline website, which is the same most of the time as the PL. We know PL may have better deals at times, but that doesn't prove WF inflate price.

It was on Priceline.com website directly.

I have the Propel card, so I'm not attacking it. Just suggesting you won't fly thr cheapest using their website. However, with this random small sample exercise, if you have the points to cover the flight, it's cheaper to go WF portal with points rather than pay with CC directly on Priceline, provided you don't care that you are flying United instead of Delta.
I searched on priceline.com website, and I posted the screenshot. As you can see, there is no 172 price. So it is incorrect to suggest using wf portal won't get cheapest price.

Now, I am not saying that 172 is false, I am fairly confident you saw it for sure. I am simply saying 172 is not the CURRENT price. Price changes literally all the time. I ran into situation before that in the span of 10 minutes, the cheapest price jumped 60 on my delta itinerary.

Again, price comparison is great, and no, there is no strong evidence to suggest wf portal will not give you lowest price.

Prices do change instantly.