Wells Fargo Cash wise and Amex Everyday applications

[Superduper2014]

Hello guys, 

Trying to get a singup cash or credit bonus and at least 12 month 0 apr for purchases. Can't get BOA, CIT, Chase, and already have 2 cap ones. (i settled with them years ago and don't want to risk a denial based on that alone)

I am considering these 2 cards. 

I already have 1 card with Amex, a blue cash one and I read that if you apply for another Amex with a cash bonus offer, that they will not honor it due to already having a card with them. Is this true?

Also, considering the Wells fargo cash wise. I have a secured credit card with them that graduated to visa card (cant remember what), and a checking account with little movement and some cash in there. My Fico 9 with experian as of today is 778. No lates. 

Is getting this wells fargo cash easier to get than the Amex and what about the horrible reviews for the Wells fargo cash I have been reading, are these nonsense. 

Thanks for any help

[Superduper2014]

Forgot to ask whether Wells Fargo Cash wise is known to give small initial CLI and if they requrire Hard pull later on to request a credit line increase or how soon after opening can you get a CLI. 

Maybe the Amex is better for initial CLI?

thanks a lot. 

[xaximus]

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@Superduper2014 wrote:

Hello guys, 

Trying to get a singup cash or credit bonus and at least 12 month 0 apr for purchases. Can't get BOA, CIT, Chase, and already have 2 cap ones. (i settled with them years ago and don't want to risk a denial based on that alone)

I am considering these 2 cards. 

I already have 1 card with Amex, a blue cash one and I read that if you apply for another Amex with a cash bonus offer, that they will not honor it due to already having a card with them. Is this true? Not true - every card is it's own entity, I apped for 2 cards and got both SUBs.

Also, considering the Wells fargo cash wise. I have a secured credit card with them that graduated to visa card (cant remember what), and a checking account with little movement and some cash in there. My Fico 9 with experian as of today is 778. No lates. 

Is getting this wells fargo cash easier to get than the Amex and what about the horrible reviews for the Wells fargo cash I have been reading, are these nonsense. Personally, I'm not a fan of WF simply because of their practices. As far as DPs go, the AmEx will definitely give you a limit that you can CLI after 61 days and then 181 days at 3X CLI. So growth wise, AmEx is better.

Thanks for any help

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See my responses in red.

[Superduper2014]

Thanks for replying. 

I hear you on WF practices. They don't have a good reputation. 

In the near future I might want to apply for a card with zero balance transfer fee to move some balances around at not cost and this is one excellent feature the Amex everyday has, so wouldn't it be a better idea to just apply for the wells fargo now that I know I need the zero apr on purchases and leave the option to apply for the amex in the near future? DO you know if Amex allows you to get a check in the mail for bal transfers that you can then deposit and pay what you see fit?

Trying to have some strategy here, if you have any ideas I am all ears ...(eyes)

Thanks

[mikesonthemend]

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@Superduper2014 wrote:

Thanks for replying. 

I hear you on WF practices. They don't have a good reputation. 

In the near future I might want to apply for a card with zero balance transfer fee to move some balances around at not cost and this is one excellent feature the Amex everyday has, so wouldn't it be a better idea to just apply for the wells fargo now that I know I need the zero apr on purchases and leave the option to apply for the amex in the near future? DO you know if Amex allows you to get a check in the mail for bal transfers that you can then deposit and pay what you see fit?

Trying to have some strategy here, if you have any ideas I am all ears ...(eyes)

Thanks

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Maybe try US Bank's pre-qualify, and save Amex for 15 months from now. I just received 15 months 0% on BTs and purchases from both of them. It was my first AMEX.

[Superduper2014]

UPDATE:

Applied for the WF Cash and got approved right away. Had to call to find out CL and it was 9k. 

For this card, do you call in to get a bigger initial CL or it doesn't fly with wells fargo?

[FinStar]

@Superduper2014 

Congrats on the approval.

Locking this thread as you have been approved.  Feel free to start a new approval thread with any DPs in the Approvals forum if you wish.