Wells Fargo Propel 365 American Express® Card

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Natalie Campisi @NatalieMCampisi  in  0% APR Advertising Disclosure
Annual Fee:
$0 introductory annual fee for the first year, and $45 annual fee for subsequent years.
Purchase Intro APR:
Balance Transfer Intro APR:
0.00% introductory APR for 12 months. After that, your APR will be 14.99% to 22.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
Regular APR:
0.00% introductory APR for 12 months. After that your APR will be 14.99% to 22.99%, based on your creditworthiness. This APR will vary with the market based on the U.S. Prime Rate.
Terms and Restrictions Apply | Rates and Fees

Commonly used for: 0% APR, Balance Transfer, Excellent Credit, No Foreign Transaction Fees, Rewards.

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Editor’s note: This offer may no longer be available

The Wells Fargo Propel 365 American Express Card packs on the incentives, giving cardholders multiple ways to earn points. From the straightforward points-per-dollar on certain spending categories, like gas and restaurants, to relationship bonus points if you have a Wells Fargo account, there is no shortage of opportunities to rack up the rewards.

This card is also a winner if you plan to carry a balance. There’s no interest for the first year on purchases and balance transfers; after that, the APR jumps to 14.99% to 22.99% based on creditworthiness.


Although it’s very similar to the Wells Fargo Propel American Express Card, the Propel 365 has a few noteworthy differences. Both cards offer the biggest rewards to Wells Fargo account holders who spend money at U.S. gas stations and U.S. restaurants, each category reaping 3x and 2x points respectively. All other purchases earn 1 point per dollar.

For some, this straightforward approach to collecting rewards is more attractive than rotating categories, which requires some effort. It’s especially useful if a sizable portion of your budget goes to gas and eating out. With the Propel 365, points never expire, in contrast to the 5-year expiration on points with the Wells Fargo Propel American Express Card.

When you’re calculating this bonus, keep in mind the percentage is based on rewards points alone; promotional and bonus points are not counted. Bonus points are considered the second and third point earned for every dollar spent at a U.S. gas station, for example.

Speaking of bonus points, new cardholders get 20,000 bonus points if they spend $3,000 within the first three months. Combine this with the extra perks, including car rental insurance, the complimentary extended warranty program, price protection, lost luggage reimbursement and more, and you’re looking at a card with high-value potential, depending on your lifestyle.

The fact that you can try it out for one year without paying interest or an annual fee is a compelling reason to give this card a shot. After the introductory year is up, you’ll have to pay the regular annual fee of $45. This annual fee, though relatively cheap, is the main reason why we give Propel 365 a slightly lower grade than the regular Propel.

Who should get this card

This card is practically a no-brainer for existing Wells Fargo customers with a good credit score who spend a lot at the pump. This is a competitive card in that area, especially when you consider the relationship bonus and the fact there’s no limit on the amount of points you can earn and they never expire.

  • The sign-up bonus is generous and fairly easy to achieve.
  • There’s no interest for the first year on purchases and balance transfers.
  • Wells Fargo account holders will earn relationship bonus points.
  • You don’t have to pay the annual fee for the first year.
  • Terms apply.
  • If you've opened another Wells Fargo credit card during the 16 months prior to applying for this card, you won’t be eligible for the points bonus or introductory APRs.
  • Although you'll pay no interest on balance transfers for the first 12 months, a balance transfer fee applies.

Fees and APR

  • Enjoy a 0% introductory APR on purchases and balance transfers for 12 months. After that, your APR will be 14.99% to 22.99% based on creditworthiness.
  • Pay no annual fee the first year, then $45 thereafter.
  • There is no foreign transaction fee on purchases made outside the U.S.
  • The balance transfer fee is $5 or 3% of the amount of each balance transfer, whichever is greater, for 12 months. After that, it increases to 5% for each balance transfer, with a minimum of $5.

Extras, perks and using points

Wells Fargo account holders get extra points at the end of the year; the value is based on the type of account you have. Checking or savings account holders earn a 10% bonus, Portfolio by Wells Fargo account holders receive a 25% bonus and people with a balance of $250,000 or more as well as private bank clients get a 50% bonus.

This card also comes with a host of complimentary features, such as retail protection, roadside assistance, travel accident insurance and auto collision and liability insurance, to name a few.

Points can be redeemed through Go Far Rewards, the Wells Fargo rewards portal, for travel, gift cards, cash redemption options or merchandise. The minimum amount to redeem is 2,500 points.

How this card compares

Barclaycard Arrival Plus® World Elite Mastercard®
  • Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • New - Control Your Card - Instantly secure your accounts by locking your cards with Barclays SecurHold™, plus set transaction limits and block certain purchase categories for you or your authorized users. Available only on the Barclays mobile app.
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
Apply Now On Barclays's secure website
Credit Needed


Terms and Restrictions Apply | Rates and Fees
Regular APR

18.24%, 22.24% or 25.24% variable based on your creditworthiness

Annual Fee

$89 (waived first year)

Purchase Intro APR


Balance Transfers Intro APR

0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening

The Barclaycard Arrival Plus World Elite Mastercard will likely appeal to those who want the most flexible redemption options for their miles. You can use your earnings to book travel, get a statement credit for travel purchases, or for gift cards and select merchandise. This may be of greater value to you depending on your spending habits.