The Wells Fargo Propel 365 American Express Card offers users the chance to earn 20,000 bonus points when they spend $3,000 in net purchases (purchases minus returns/credits) in the first 3 months.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0 the first year, then $45
- Intro Purchase APR 0% for 12 months
- Regular Purchase APR 13.99%-21.99% (Variable)
- Earn 3 points for every $1 spent at U.S. gas stations
- Earn 2 points for every $1 spent U.S. restaurants
- Earn 1 point for every $1 spent on all other purchases
- Points never expire
- There is no limit to how much you can earn
- Redeem with only 2500 points
- Signup Bonus 20,000 points when you spend $3,000 in the first 3 months
- Chip Technology Chip-and-PIN
- Foreign Transaction Fee 0%
- Intro Balance Transfer APR 0% for 12 months
- Regular Balance Transfer APR 13.99%-21.99% (Variable)
- Cash Advance APR 23.99% (Variable)
- Penalty APR -
- Late Fee Up to $38
- Returned Payment Fee Up to $38
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
Bonus on Non-Reward Points
Available if you have a qualifying consumer Wells Fargo Checking or Savings Account. Get a 10% bonus the points you earn for net purchases, excluding the two bonus categories. Only applies to the points you earn at a rate of 1x per dollar.
24/7 Personal Travel Assistance
Call any time for non-emergency help and information. Get help with passport requirements, weather forecasts, local customs, business etiquette, and more.
Access over 975 participating properties and up to 20% off available rates. Also includes special amenities and other benefits at select properties.
Car Rental Program
Get discounted rates with major car rental companies worldwide.
Low airfare rates on domestic and international airlines.
Special fares and amenities from major cruise lines. Get help with planning your trip from specialists.
Double the original manufacturer’s warranty, up to one additional year. Only eligible for items purchased entirely with your card. Some restrictions and exclusions apply.
Eligible items purchased entirely with your card are protected against accidental damage and theft for 90 days. Some restrictions and exclusions apply.
If you try to return an eligible item within 90 days of purchase but the retailer won’t take it back, this benefit may refund the full purchase price. Up to $300 per purchase and up to $1,000 annually.
Cellular Telephone Protection
Only available when your cell phone bills are paid with your Wells Fargo card. Provides coverage if your cell phone is lost or stolen, less a $25 deductible. Up to $600 per occurrence, up to 2 occurrences per year.
24/7 Travel Assistance Hotline
Provides help when you’re outside the country. Includes referrals to interpreters, urgent message relay, cash/bail assistance, and more.
Worldwide Travel Accident Insurance
When traveling by common carrier, provides coverage against accidental damage or dismemberment up to $150,000. You, your spouse or domestic partner, and unmarried dependent children are all covered.
Worldwide Travel Inconvenience Insurance
When traveling by common carrier, provides coverage if your baggage is lost or damaged. Up to $1,000 in coverage is available per trip.
24-Hour Roadside Assistance
If you get in an accident or break down, call for help finding services like towing, tire change, etc. Cardholder must pay all third-party costs.
Car Rental Loss and Damage Insurance
Stolen or damaged rental vehicles are covered if you use your card to pay for the rental. You must decline the rental company’s collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.
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