Wells Fargo Propel American Express® Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 27.24% (0% for the first 12 months)
Balance Transfer
16.24% ‐ 27.24% (0% for the first 12 months)
Rewards
1 - 3 points
Signup Bonus
30000 points (after spending $3,000)


8.5/10
Informr score
The Wells Fargo Propel American Express® Card currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 29 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Wells Fargo Propel American Express® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

With a generous rewards rate that awards bonus points in popular categories, the Wells Fargo Propel American Express card is one of the best no annual fee travel cards available. If you are eager to start racking up rewards points toward your next vacation – but not ready to spend $95 a year or more...

- Emily Sherman, CreditCards.com
Money Crashers

The Wells Fargo Propel American Express Card is a surprisingly versatile card that doesn’t get much attention outside the admittedly large universe of existing Wells Fargo customers.

- Brian Martucci, Money Crashers
NerdWallet

If you're looking for exclusive travel perks, this isn't the card for you. But if you want excellent rewards for an unbeatable price, it's hard to do much better than this.

- Robin Saks Frankel, NerdWallet
NextAdvisor

The Wells Fargo Propel American Express® Card is a smart choice if you’re interested in a rewards card that provides a generous 30,000-point bonus (redeemable for $300 cash back), earns rewards in a number of everyday categories, offers a 0% intro APR and provides mobile phone protection.

- NextAdvisor
Cardcruncher

Occasional travelers and those who are looking for an introductory rewards card should give the Wells Fargo Propel American Express® Card a chance. The rewards program, travel and purchase protections, and cell phone protection, all with no annual fee, makes this card a great choice. You might get b...

- Sarah Li Cain, Cardcruncher

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 27.24% (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.24% ‐ 27.24% (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.24% ‐ 28.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%
  • Minimum of $5
  • Intro fee is 3%, minimum of $5 for balance transfers made in the first 12 months.
Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00


Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus 30000 points after spending $3,000

On purchases within the first 3 months.

Rewards
All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent

On purchases made for eating out and ordering in

Gas 3 points per $1 spent
Groceries No
Hotels 3 points per $1 spent

On purchases made for hotels and homestays

Travel 3 points per $1 spent

On purchases made for rideshares, transit, flights, car rentals

Pharmacy No
Bills No
Additional Details

3 points per $1 spent on popular streaming services

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Additional Benefits
  • Cell phone protection
  • Chip technology
  • Lost luggage reimbursement
  • Roadside assistance
  • Enjoy a complimentary bottle of wine, appetizer, or discount on your meal at participating restaurants.
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

One of the best no-fee travel cards on the market

from CreditCards.com

With a generous rewards rate that awards bonus points in popular categories, the Wells Fargo Propel American Express card is one of the best no annual fee travel cards available. If you are eager to start racking up rewards points toward your next vacation – but not ready to spend $95 a year or more to do so – the Propel is a great option.

Read full review

With a generous rewards rate that awards bonus points in popular categories, the Wells Fargo Propel American Express card is one of the best no annual fee travel cards available. If you are eager to start racking up rewards points toward your next vacation – but not ready to spend $95 a year or more to do so – the Propel is a great option.

Read full review

Less

Money Crashers

A practical, no-annual-fee credit card

from Money Crashers

The Wells Fargo Propel American Express Card is a surprisingly versatile card that doesn’t get much attention outside the admittedly large universe of existing Wells Fargo customers.

Read full review

The Wells Fargo Propel American Express Card is a surprisingly versatile card that doesn’t get much attention outside the admittedly large universe of existing Wells Fargo customers.

Read full review

Less

NerdWallet

No fee, so much value

from NerdWallet

If you're looking for exclusive travel perks, this isn't the card for you. But if you want excellent rewards for an unbeatable price, it's hard to do much better than this.

Read full review

If you're looking for exclusive travel perks, this isn't the card for you. But if you want excellent rewards for an unbeatable price, it's hard to do much better than this.

Read full review

Less

NextAdvisor

A well-rounded rewards card with generous intro bonus and cash back rewards

The Wells Fargo Propel American Express® Card is a smart choice if you’re interested in a rewards card that provides a generous 30,000-point bonus (redeemable for $300 cash back), earns rewards in a number of everyday categories, offers a 0% intro APR and provides mobile phone protection.

Read full review

The Wells Fargo Propel American Express® Card is a smart choice if you’re interested in a rewards card that provides a generous 30,000-point bonus (redeemable for $300 cash back), earns rewards in a number of everyday categories, offers a 0% intro APR and provides mobile phone protection.

Read full review

Less

Cardcruncher

Earn 3X cash back with no annual fee

from Cardcruncher

Occasional travelers and those who are looking for an introductory rewards card should give the Wells Fargo Propel American Express® Card a chance. The rewards program, travel and purchase protections, and cell phone protection, all with no annual fee, makes this card a great choice. You might g...More

Occasional travelers and those who are looking for an introductory rewards card should give the Wells Fargo Propel American Express® Card a chance. The rewards program, travel and purchase protections, and cell phone protection, all with no annual fee, makes this card a great choice. You might get better perks, like higher cash-back percentages or airport lounge access, from another card, but the Wells Fargo Propel American Express® Card is full of upside for the frugal-minded.

Read full review

Less

Credit Fast

Simple, straightforward, cheap, and yet very rewarding

from Credit Fast

The Wells Fargo Propel card is a solid travel rewards card. So it has a large rewards rate of return with no annual fee. Additionally, it’s also flexible when it comes to the way you redeem your points. So if you have good or excellent credit, you should apply for this Amex Propel card.

Read full review

The Wells Fargo Propel card is a solid travel rewards card. So it has a large rewards rate of return with no annual fee. Additionally, it’s also flexible when it comes to the way you redeem your points. So if you have good or excellent credit, you should apply for this Amex Propel card.

Read full review

Less

Dough Roller

Generous sign-up bonus, no annual fee

from Dough Roller

The Wells Fargo Propel American Express Card doesn’t dominate the credit card universe in any particular category. That includes the sign-up bonus, rewards points, the 0% introductory APR, and the many additional features and benefits it offers. But it is very good in each of these categories, which makes it a credit card worth having.

Read full review

The Wells Fargo Propel American Express Card doesn’t dominate the credit card universe in any particular category. That includes the sign-up bonus, rewards points, the 0% introductory APR, and the many additional features and benefits it offers. But it is very good in each of these categories, which makes it a credit card worth having.

Read full review

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Business Insider

Arguably the best no-fee personal credit card

from Business Insider

When you consider the fact that most credit cards with any good benefits to speak of charge an annual fee upwards of $95, the Wells Fargo Propel is a bargain deal. You can still earn as many points as you would on another card, with the added incentive of getting cash back and earning 3x the poin...More

When you consider the fact that most credit cards with any good benefits to speak of charge an annual fee upwards of $95, the Wells Fargo Propel is a bargain deal. You can still earn as many points as you would on another card, with the added incentive of getting cash back and earning 3x the points in certain categories like dining, traveling, and popular streaming services.

Read full review

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CreditDonkey

High reward potential

from CreditDonkey

Wells Fargo Propel American Express Card is one of the best cash back credit cards on the market. For a no-annual-fee card, the rewards are very generous. You get 3x points in many popular categories, making it a great, well-rounded card. We think that for almost anyone, this is a great addition to the wallet.

Read full review

Wells Fargo Propel American Express Card is one of the best cash back credit cards on the market. For a no-annual-fee card, the rewards are very generous. You get 3x points in many popular categories, making it a great, well-rounded card. We think that for almost anyone, this is a great addition to the wallet.

Read full review

Less

Credit Card Insider

A strong starter option

from Credit Card Insider

If you’re willing to overlook customer service reviews and want to earn rewards in certain categories, the Wells Fargo Propel American Express Card may be a solid choice. You’ll likely get a lot of value from the card if you use it frequently to earn 3X points for gas, dining out, or travel....More

If you’re willing to overlook customer service reviews and want to earn rewards in certain categories, the Wells Fargo Propel American Express Card may be a solid choice. You’ll likely get a lot of value from the card if you use it frequently to earn 3X points for gas, dining out, or travel. And, if you want a card to earn rewards on streaming services, this is one of the few you’ll find with that bonus category.

Read full review

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User Reviews


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