Wells Fargo Propel American Express® Card


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.

Along with no annual fee, cardholders get an intro APR of 0% for 12 months on both purchases and balance transfers, followed by a regular rate of 16.24%-27.24% Variable. You’ll get shopping and travel protections from Amex, and you can check your FICO Score 9 online for free, based on your Experian credit report.

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Card Details

Rewards

Rewards

  • 3X points per dollar at:
    • Restaurants
    • Gas stations
    • Travel
    • Eligible streaming services
  • 1X point per dollar on all other purchases

Introductory Bonus

  • 30,000 bonus points for spending $3,000 in the first 3 months
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 16.24%-27.24% Variable
Intro Purchase APR 0% for 12 months
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $1,500
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR None
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months on qualifying balance transfers
Regular Balance Transfer APR 16.24%-27.24% Variable
Balance Transfer Fee 3% for 120 days, then 5%
Cash Advances

Cash Advances

Cash Advance APR 26.24%–28.24% 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 Credit Score

    Check your FICO Score 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 Protection

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

  • Retail 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.

  • 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.

  • 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.

  • Lost Luggage Reimbursement

    Get reimbursed if your luggage is damaged or lost by a common carrier.

  • 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.

  • 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.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 2 reviews
by paul johnson
Terrible card

The credit card polices of Wells Fargo are terrible. I was approved for this card with a $2500.00 limit. I traveled to Aruba and was excited to use this travel card. I made a few purchases with no problems however on my 6th purchase in a grocery store upon check out the card was declined. I called customer service and they said that I had too many foreign transaction purchases and put a 1000.00 hold on the card. I still had a 1000.00 of credit left to use , but Wells Fargo refused to release the funds no matter who I talked to and after I verified who I was. I was in my bathing suit, with flip flops on, in a foreign country, 6 miles from my hotel in the check outline of a grocery store and they would not approve a $122.39 charge. Thank God this was not a life or death emergency, because Wells Fargo will not be there for you when you need them. A good credit card is suppose to be there to assist you, not leave you stranded. Needless to say I canceled the card at the checkout line. Do yourself a favor and forget about applying for this card. This bank and card sucks.

by Caleb
WOULD NOT RECOMMEND

They will set you up with auto rewards, which means every time you have 2500+ rewards they will send you a random gift card and deduct those points. Also well, if you are going to do the 30,000 points with $3,000 spent in the first 3 months, make sure you spend the money in the first 2 months because they will put a hold on all your purchases for about 1-2 weeks til the bonus expires.I personally regard opening this card with Wells Fargo. I’ve have 3 reward cards up to this point and I’ve never had to jump though so many hoops like I do with them.

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