I quickly looked at these 2 cards, and I'd go with the WF Propel. Since both offer essentially the same cash back for you, I'd choose the one with the highest SUB (if you can handle the criteria). The WF Propel is $300 and the Chase AARP is $100. I didn't compare the other benefits that come with each card.
The Propel is metal. *(Encapsulated in plastic)
The SUB is nice but has high required spend. The 3% is nice and it's year round, no rotating to worry about. Pay your phone bill with it and you get (currently) $600 coverage @ $25 deductible. (I think AT&T's insurance deductible is $275+ for most current phones, not sure about other companies)
They are partnered with Amex so you get what I've been calling "hand-me down rewards" as a bonus. Like, activate a deal, get $5 statement credit when you spend $25 at Boston market (3x points on purchase + $5 credit). They have a lot of deals that seem to change every 2-4 weeks, they seem pretty niche but still nice to have extras.
WF is slow to update available credit after payment, my first payment cleared and it took more than 7 days for available to refresh. (This might only occur on first payment though?)
If you don't already have a WF banking account they could low ball your SL. Chase will likely give a higher SL since you already have history with them (unless you have hit any of their internal limits)
WF gave me the lowest limit the card offers, but I'm thin and had no history with them.
The SUB is nice but has high required spend. The 3% is nice and it's year round, no rotating to worry about. Pay your phone bill with it and you get (currently) $600 coverage @ $25 deductible. (I think AT&T's insurance deductible is $275+ for most current phones, not sure about other companies)
They are partnered with Amex so you get what I've been calling "hand-me down rewards" as a bonus. Like, activate a deal, get $5 statement credit when you spend $25 at Boston market (3x points on purchase + $5 credit). They have a lot of deals that seem to change every 2-4 weeks, they seem pretty niche but still nice to have extras.
WF is slow to update available credit after payment, my first payment cleared and it took more than 7 days for available to refresh. (This might only occur on first payment though?)
If you don't already have a WF banking account they could low ball your SL. Chase will likely give a higher SL since you already have history with them (unless you have hit any of their internal limits)
WF gave me the lowest limit the card offers, but I'm thin and had no history with them.
