Wells Fargo Propel or Us Bank ?

[noobody]

Without prior relationship with either bank

6 years ago, got US bank cash+ with 12K SL, fico was about 760-780.
They treat me great, i have to call multiple time to REDUCE CL they gave me automatically, later they approved me Club carlson card and PLOC with high CL also.

In April this year, got propel with 12K CL after month long ID check, fico was 830-840 range. No CL movement (yet).

[Anonymous]

I got my Propel in 8/18, had a small 401K with them, and got a 10K CL. I maxed it out quickly and got a 2K increase about 6 months later.

I like the card. They have Amex offers and Earn More Mall offers. You can stack EMM with 3% categories. It's a good travel card (gas, dining, tolls, parking, rental cars, hotels, airfare at 3%) and cell phone insurance. They have travel insurance and rental car insurance which are decent.

I looked at Cash+ but for me the 5% categories are ones I can't easily max out.

[ironchef]

wow big differnec and i apprciate your info

[ironchef]

Very Intresting and great SL on both..I have heard that US bank has a good CS but there On line service was not as good. 

I appreciate your insight and exper. 

I have not heard of the Club Carlson card but will look into it ..

[ironchef]

Great SL and info .. I do appreciate it and dont expect high CLI but assume by Starting CL should be 10-15 on wells .. US bank not certain yet .. I do know that the co branded cards for amex are good as i have the Hilton amex.. I have also seen there great cats for the propel card. which i was thinking to lean towards , also seeing i have a history with them ..

[noobody]

Club Carlson card is worthless after big devaluation few years back, i reduce my CL on card from 15K to 1K and downgrade to an AF free version just keep the points live.