Wells Fargo Propel American Express® Card


For People with
Good Credit

REVIEWS

Reviews

The Wells Fargo Propel American Express Card provides 3X reward points for an interesting variety of categories:

  • restaurants
  • gas stations
  • travel
  • eligible streaming services

There’s also a signup offer of 30,000 bonus points for spending $3,000 in the first 3 months. Those points would be worth $300 when redeemed, giving you a 10% return on your spending.

Cardholders get an intro APR of 0% for 12 months on both purchases and balance transfers. You’ll get shopping and travel protections from Amex, and you can check your FICO 8 Credit Score online for free.

Card Quick Facts

Card Quick Facts

  • 3X points at restaurants, gas stations, on travel, and on eligible streaming services
  • 30,000 bonus points for spending $3,000 in the first 3 months
  • 0% APR for purchases and balance transfers for 12 months, then 14.24–26.74% APR
  • No foreign transaction fees
  • American Express shopping and travel benefits
  • Free access to one of your FICO 8 Credit Scores

For People with
Good Credit

REVIEWS

Reviews

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Card Details

Rewards

Rewards

  • 3X points per dollar:
    • at restaurants
    • at gas stations
    • on travel
    • on eligible streaming services
  • 1X point per dollar on all other purchases

Introductory Bonus

  • 30,000 bonus points for spending $3,000 on purchases in 3 months
Card Stats

Card Stats

Annual Fee None
Additional Cards Annual Fee None
Regular Purchase APR 14.24%–26.74% Variable
Intro Purchase APR 0% for 12 months
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit $1,500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR See Terms
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months
Regular Balance Transfer APR 14.24%–26.74% Variable
Balance Transfer Fee 3%, $5 minimum for 12 months; after that, 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 25.74%–27.74% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Entertainment Access

    Get special offers and presale tickets to big events in cities around the U.S.

  • Free FICO 9 Credit Score

    Check your FICO 9 Credit Score for free whenever you’d like, based on your Experian credit report.

  • $0 Fraud Liability

    You won’t be held responsible for fraudulent charges.

  • Extended Warranty

    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.

  • Purchase Protectio

    Eligible items purchased entirely with your card are protected against accidental damage and theft for 90 days. Some restrictions and exclusions apply.

  • Return Protection

    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 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.

  • 24/7 Emergency 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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