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

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Anonymous
Not applicable

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

If it's anything different in price more than $10 then just booking w/ the card and redeeming the points for the purchase is simpler to deal with w/o the hassle.  Which goes back to your $50 difference between portals. 

 

Now if you want to go start a "travel portal comparison" thread go for it.

Message 31 of 43
Anonymous
Not applicable

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


@Anonymous wrote:

@Anonymous wrote:


Maybe Priceline needs to present the facts. And WF if their price is different when selecting a return flight. 


Nothing is a final price until you get to the checkout screen.  Cursory shopping w/o getting to the finish line is subject to change until you have a confirmation in hand.


Here's my second example:

 

I'm flying from Memphis, TN to Salt Lake City, UT on Jan 16-27. I'm flexible on my flight in and back, prefer leaving in the morning.

Looks like I'm leaving early in the morning (I don't to actually put my name in for the boking, but I got the fare and taxes and the final price).

 

Priceline

 

Depart/Arrive

6.55 AM / 2:18PM UA Return 2:50 PM / 8:57 PM UA Price 398.00

7:23 AM / 12:49 PM AA Return 7:40 AM / 1:50 PM AA Price 398.00 IDENTICAL

 

WF

 

Depart/Arrive

6:55 AM / 12:20 PM UA Return 2:50 PM / 8:57 PM UA Price 461.00

7:23 AM / 12:49 PM AA Return 7:40 AM / 1:50 PM AA Price 398.00 IDENTICAL

 

The 7:23 flight was identical timewise and price on Priceline and WF.

The 6:55 flight had a shorter layover and gets you there 2 hours sooner on WF, but costs $63 more. There was no option to arrive in SLC at 12:20 pm on Priceline to give me identical times to compare price. 

 

The ATL-ORD example is still valid because it contained a return flight with EXACT times on both sites.

This second flight option example does not have exact times.

 

My point is, check to see if you can get a cheaper flight via Priceline vs WF.  But.... if you are paying the entire or most of the flight with points, keep in mind you may not get the full 4.5% that you think you should be getting. In the ATL-ORD example, your point redemption is more like 3.5%, not 4.5%.

 

So combining the two cards to maximize travel points might not be exactly as good as you expect on all flights. There are some that will, but if you become more flexible with departures/arrivals, you are likely to get less than 4.5%.

Message 32 of 43
Anonymous
Not applicable

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

Your ATL-ORD example did NOT show cheaper price on PL than wf portal on the same itinerary! It actually showed literally wf portal has same or cheaper price than priceline. Your new MEM to SLC example showed exactly same price for same itinerary.

 

Screenshot_2019-11-02 ATL to ORD, 12 14 - 12 21 Priceline com.png

VS

Screenshot_2019-11-02 Go Far Rewards.png

Screenshot_2019-11-02 Go Far Rewards2.png

 

Well I appreciate and agree with you that people should always check and compare before booking. I am gonna just say here that , from your examples and my own experiences, wf portal does seem to have great price, same or better than priceline (sans priceline express deals).

Message 33 of 43
Anonymous
Not applicable

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


@Anonymous wrote:

Your ATL-ORD example did NOT show cheaper price on PL than wf portal on the same itinerary! It actually showed literally wf portal has same or cheaper price than priceline. Your new MEM to SLC example showed exactly same price for same itinerary.

 

Screenshot_2019-11-02 ATL to ORD, 12 14 - 12 21 Priceline com.png

VS

Screenshot_2019-11-02 Go Far Rewards.png

Screenshot_2019-11-02 Go Far Rewards2.png

 

Well I appreciate and agree with you that people should always check and compare before booking. I am gonna just say here that , from your examples and my own experiences, wf portal does seem to have great price, same or better than priceline (sans priceline express deals).


Yeah, I've done several of these over the last 4 months. I have found some on WF portal cheaper than Priceline and was pretty excited because I could book through them cheaper with no points than Priceline. But in some cases, it was more expensive, so now I'll have to compare. 

Message 34 of 43
UncleB
Credit Mentor

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


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:


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


You'll get the 4.5% redemption still doing it that way?


Funny you should ask.....That's what got us here in the first place.  If you have 2+ cards w/ WF and different point systems but, know you can redeem them at an increased value where do the points pull from for the higher value? 

 

Does GFar portal auto combine the points from multiple accounts for the increased redemption or is there a trick that needs to happen to get the increased value or decreased points being charged through the portal based on the cards you have automatically?

 

Since neither of us has a combo lineup w/ WF we're hypothesizing what's a better value.


I read somewhere if you have propel and visa signature, all points are combined automatically and redeem for 150% value. I don't have the set up so I cannot confirm it.


We're still overlooking part of the original question... can cash rewards (i.e. rewards earned with the Cash Wise Visa) be combined with GoFar Rewards earned with the Propel and Signature Visa?

 

This is not clear on the website... they seem to go to great length to stress that the Cash Wise Visa earns "cash", while the Propel and Signature earn GF points which can be converted to cash, but don't start off as cash.

 

We all know that GF points can be transferred from Propel to the Signature Visa (and to other people) but we don't know if cash rewards from the Cash Wise can be transferred to a GF point earning card (like the Signature Visa, for the multiplier) which is asked in the thread subject line.  Hopefully someone who has the Cash Wise will be able to chime in.

 

Also, I've never heard of the WF Signature Visa giving the travel multiplier for purchases that are 'erased' (or whatever they call it); my understanding is the airfair must be purchased using the portal for the multiplier to kick in. 

Message 35 of 43
Anonymous
Not applicable

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


@UncleB wrote:

This is not clear on the website... they seem to go to great length to stress that the Cash Wise Visa earns "cash", while the Propel and Signature earn GF points which can be converted to cash, but don't start off as cash.

 

We all know that GF points can be transferred from Propel to the Signature Visa (and to other people) but we don't know if cash rewards from the Cash Wise can be transferred to a GF point earning card (like the Signature Visa, for the multiplier) which is asked in the thread subject line.  Hopefully someone who has the Cash Wise will be able to chime in.

 

Also, I've never heard of the WF Signature Visa giving the travel multiplier for purchases that are 'erased' (or whatever they call it); my understanding is the airfair must be purchased using the portal for the multiplier to kick in. 


https://ficoforums.myfico.com/t5/Credit-Cards/WF-Propel-how-do-points-work-How-does-it-combine-with-...

 

 

Message 36 of 43
UncleB
Credit Mentor

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


@Anonymous wrote:

@UncleB wrote:

This is not clear on the website... they seem to go to great length to stress that the Cash Wise Visa earns "cash", while the Propel and Signature earn GF points which can be converted to cash, but don't start off as cash.

 

We all know that GF points can be transferred from Propel to the Signature Visa (and to other people) but we don't know if cash rewards from the Cash Wise can be transferred to a GF point earning card (like the Signature Visa, for the multiplier) which is asked in the thread subject line.  Hopefully someone who has the Cash Wise will be able to chime in.

 

Also, I've never heard of the WF Signature Visa giving the travel multiplier for purchases that are 'erased' (or whatever they call it); my understanding is the airfair must be purchased using the portal for the multiplier to kick in. 


https://ficoforums.myfico.com/t5/Credit-Cards/WF-Propel-how-do-points-work-How-does-it-combine-with-a-cash/m-p/5795368#M1678107

 

 


That post is from this thread and doesn't address the issue of combining cash rewards with points.  Here's the webpage for the Cash Wise Visa card:  https://www.wellsfargo.com/credit-cards/visa-wise/ 

 

On that webpage you'll find it clearly states in numerous places that the Cash Wise Visa earns cash back (not points), although in the fine-print there's also a reference to the GoFar Rewards program terms with an addendum for the Cash Wise Visa.  In glancing over the program terms document (with the Cash Wise addendum) it doesn't seem the two programs have much in common beyond the most basic program rules and legal mumbo-jumbo.

 

If we could hear from someone with both a Visa Signature and a Cash Wise Visa possibly they could provide clarification.  It doesn't mean enough to me personally to subject myself to calling WF (and the answer might not be right, anyway) although I am curious.  My own speculation is that I doubt cash rewards earned with the Cash Wise Visa are able to be transferred or combined with the Signature, although I would like to be wrong.

Message 37 of 43
Anonymous
Not applicable

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


@UncleB wrote:

 

If we could hear from someone with both a Visa Signature and a Cash Wise Visa possibly they could provide clarification.  It doesn't mean enough to me personally to subject myself to calling WF (and the answer might not be right, anyway) although I am curious.  My own speculation is that I doubt cash rewards earned with the Cash Wise Visa are able to be transferred or combined with the Signature, although I would like to be wrong.


This suggests that they can be, https://runningwithmiles.boardingarea.com/wells-fargo-compelling-combination-cards/

 

but I don't know if it is really from knowledge!   The comments section has an interesting point about different expirations, Visa Sig points expire in 5 years, Propel ones don't....

Message 38 of 43
UncleB
Credit Mentor

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


@Anonymous wrote:

@UncleB wrote:

 

If we could hear from someone with both a Visa Signature and a Cash Wise Visa possibly they could provide clarification.  It doesn't mean enough to me personally to subject myself to calling WF (and the answer might not be right, anyway) although I am curious.  My own speculation is that I doubt cash rewards earned with the Cash Wise Visa are able to be transferred or combined with the Signature, although I would like to be wrong.


This suggests that they can be, https://runningwithmiles.boardingarea.com/wells-fargo-compelling-combination-cards/

 

but I don't know if it is really from knowledge!   The comments section has an interesting point about different expirations, Visa Sig points expire in 5 years, Propel ones don't....


I agree that by lumping all WF cards together the article does seem to imply they can be combined, but here's what stands out to me (emphasis mine):

 

Probably one of the more overlooked and underrated pieces of Go Far Rewards is the fact you can pool your points with anyone.

 

The problem I have is that the Cash Wise doesn't earn points at all... it earns straight-up cash.  I think people are assuming WF treats the two equally - and they might - but I've not seen that stated definitively anywhere.

 

Edited to add/clarify:  That site also seems to imply that the Cash Wise sign-up bonus is in GF Rewards, but that's not the case... the bonus is a cash amount, not points like the other WF cards (currently $150 for $500 spend in three months).  Eh, on second look the reference to points on the Cash Wise section seems to be for equivalency (???) but I still can't find anything that states one can convert from cash to points.

Message 39 of 43
Anonymous
Not applicable

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

Give me 2 years, I may get a cash wise and report back!, Smiley Very Happy

Message 40 of 43
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