Wells Fargo Propel American Express® Card Review

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Overview

If you want a no-fee credit card to earn rewards for your daily purchases, Wells Fargo Propel American Express® Card will be one of the best cards for what you need. It offers a rich bonus of $300, the highest bonus among no-annual-fee credit cards in the market. It also offers 3 points for every dollar you spend on travel, dining, gas, rideshares, and public transit, which covers quite a few popular spending categories. You can also earn 1 point for each dollar spent on other purchases.

  • Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
  • $0 Annual Fee
  • Earn 3X points for eating out and ordering in
  • Earn 3X points for gas stations, rideshares and transit
  • Earn 3X points for travel including flights, hotels, homestays and car rentals
  • Earn 1X points on other purchases
  • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Intro APR
0% on Purchases and qualifying Balance Transfers
Intro APR Period
12 months
Regular APR
16.24% - 27.24% (Variable)
Annual Fee
$0

Card Benefits

Sign-up bonus

You will receive a sign-up bonus of 30,000 points if you spend at least $3,000 in purchases within your first 3 months of becoming a card member. Your bonus rewards will post to your rewards balance within 1 or 2 billing periods after you qualify. The initial 30,000 bonus points can be redeemed for $300 shopping gift cards from popular retailers or gas stations such as Amazon, Exxon Mobil, Shell, etc.

Earn rewards

You will earn unlimited 3 points for every dollar you spend on travel, including flights, hotels, car rentals, and homestays such as Airbnb. You can also earn 3 points per dollar on dining, gas, public transit, and rideshares, for example, Uber and Lyft. For all other purchases, you will earn 1 point per dollar. There is no limit to the points you can earn. Your points don’t expire as long as your account is open, which means you don’t have to worry about losing points. Points can be redeemed for gift cards at the value of one penny per rewards point.

How to redeem points

To redeem points, you just need to go to Wells Fargo Go Far Rewards to select the redemption options, including gift cards, travel, or merchandise. You can select gift cards from major retailers or gas stations, such as Amazon, Best Buy, Home Depot, Exxon Mobil, Shell, BP, Starbucks, Target, Barnes Noble, Bed Bath & Beyond, etc. Gift card redemption usually starts at 2,500 points for a $25 gift card.

Additional Travel Benefits

The Wells Fargo Propel American Express® Card has no foreign transaction fees. For international travelers, using this credit card abroad can save you money because most other credit cards would typically charge a 3% fee for purchases in foreign countries.

Cell Phone Protection

You can also enjoy complimentary Cellular Telephone Protection provided by Wells Fargo, which reimburses you for damage to or theft of a cell phone. Just use your Wells Fargo Propel American Express® Card to pay your monthly cell phone bill, and you will get up to $600 of protection (subject to $25 deductible) against covered damage or theft. The reimbursement is limited to the repair or replacement of your original cell phone, less a $25 deductible with a maximum benefit limit of $600 per claim and $1,200 per 12 month period.

Fees and APR

In addition to having no foreign transaction fees, this credit card has no annual fee. It also offers 0% introductory APR for 12 months on purchases and qualifying balance transfers. After the intro period ends, the go-to rate of 16.24% - 27.24% (Variable) applies. Whether you need to make a big purchase or you are trying to pay off debt on another credit card, you can use this credit card, which allows you to pay off the balance 12 months later without incurring any interest or fees, as long as you make the minimum payments every month.

Required Credit Rating

The Wells Fargo Propel American Express® Card is for people with good or excellent credit rating. If you have a credit score of 700 or more, you may qualify for the credit card.

Is this the right card for you?

If you value earning rewards on everyday purchases and prefer no-fee credit cards, the Wells Fargo Propel American Express® Card is the perfect card for you. It is one of the best rewards credit cards with no annual fee and no foreign transaction fees. It offers a superior 3% rewards on many types of purchases such as travel, dining, gas, and rideshares.

The Wells Fargo Propel American Express® Card offers $300 bonus for new card members. Its generous rewards and valuable travel perks make it a very useful credit card for consumers who like to enjoy the benefits without having to worry about fees.

Similar Credit Cards

If you are interested in the Wells Fargo Propel American Express® Card, you may also consider a few other credit cards with similar benefits.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Bank of America® Premium Rewards® credit card

18.24% - 25.24% Variable APR

18.24% - 25.24% Variable APR on balance transfers

$95

Excellent / Good CreditApply NowView Card Details
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill Edge® and Merrill Lynch® accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
Bank of America® Travel Rewards credit card - 25,000 Bonus Points Offer

0% intro APR
for 12 billing cycles

17.24% - 25.24% Variable APR after that

17.24% - 25.24% Variable APR

$0

Excellent / Good CreditApply NowView Card Details
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
Bank of America® Cash Rewards credit card

0% intro APR
for 12 billing cycles

16.24% - 26.24% Variable APR after that

0% intro APR
for 12 billing cycles for any balance transfers made in the first 60 days

16.24% - 26.24% Variable APR after that

$0

Excellent / Good CreditApply NowView Card Details
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
Capital One® Savor® Cash Rewards Credit Card

16.74% - 25.74% (Variable) APR

16.74% - 25.74% (Variable) APR

$0 intro for first year; $95 after that

Excellent, Good CreditApply NowView Card Details
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
Bank of America® Business Advantage Travel Rewards World Mastercard®

0% intro APR
for 9 billing cycles

13.49% - 23.49% Variable APR after that

13.49% - 23.49% Variable APR

$0

Excellent CreditApply NowView Card Details
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get a 75% rewards bonus on the base earn of every purchase you make when you're a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.
  • Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • No limit to the points you can earn and your points don't expire
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill Edge® and Merrill Lynch® accounts, or gift cards or purchases at the Bank of America Travel Center
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases. After the intro APR ends, 17.24% - 25.24% Variable APR will apply
  • If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • NEW OFFER: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
  • Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
  • You can update your choice category for future purchases once each calendar month using the Mobile Banking app or Online Banking, or do nothing and it stays the same
  • No expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% - 26.24% Variable APR will apply. A 3% fee (min $10) applies to balance transfers
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
  • Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that
  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend. Points don't expire
  • Earn 25,000 bonus points when you make at least $1,000 in net purchases within 60 days of your account opening which can be redeemed for a $250 statement credit towards travel purchases.
  • Earn 3 points per every dollar spent on travel purchases (car, hotel, airline) booked through the Bank of America® Travel Center - powered by Expedia®.
  • No annual fee and no international transaction fees.
  • 0% Introductory APR on purchases for your first 9 billing cycles.
  • Redeem points for travel with no blackout dates, cash back or gift cards.
  • Get a 75% rewards bonus on the base earn of every purchase you make when you're a Business Advantage Relationship Rewards Platinum Honors tier client. That means you will earn 2.62 points for every $1 you spend and 4.12 points per every $1 you spend at the Bank of America® Travel Center.


Editorial Disclaimer: This content is not provided or commissioned by any advertiser. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by any advertiser. Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. This site may be compensated through affiliate program of card issuers.

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