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Wells Fargo Propel American Express® Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.49% ‐ 24.99% (Variable) (0% for the first 12 months)
Balance Transfer
14.49% ‐ 24.99% (Variable) (0% for the first 12 months)
1 - 3 points
Signup Bonus
20000 points (after spending $1,000)

Informr score
The Wells Fargo Propel American Express® Card currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 34 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...


The Wells Fargo Propel American Express Card is best for someone with good to excellent credit who can take full advantage of the bonus points by frequently using it at restaurants or for flights booked through an airline. Because there’s no annual fee involved, it’s also a good card for the casual...

- Larissa Runkle, FinanceBuzz
Elite Personal Finance

The broad rewards program, no annual fee, and no APR on purchases and balance transfers during the first year make this card very attractive to many cardholders. Wells Fargo Propel American Express Card is a good choice for all people who spend lots of money eating out, traveling, or gas stations. I...

- Elite Personal Finance

Wells Fargo Propel is a solid card for people with good or excellent credit to use for travel, gas, dining out, and staying entertained while staying in.

- John S Kiernan, WalletHub
Money Crashers

A surprisingly versatile card that doesn’t get much attention outside the admittedly large universe of existing Wells Fargo customers. It certainly targets several common types of cardholders: heavy drivers, frequent diners, regular travelers, those planning large purchases, and those with existing...

- Brian Martucci, Money Crashers
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. And, if...

- Kat Tretina, Credit Card Insider


Interest Rates
Regular APR Interest Rate 14.49% ‐ 24.99% (Variable) (0% for the first 12 months)

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

Balance Transfer Interest Rate 14.49% ‐ 24.99% (Variable) (0% for the first 12 months)

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

Cash Advance Interest Rate 23.99% ‐ 25.99% (Variable)

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


Sign up bonus 20000 points after spending $1,000

On purchases within the first 3 months.

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
Virtual Cards 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.
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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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