Wells Fargo Propel American Express Card

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A great option for eating out, travel, gas stations purchases and select streaming services, with no annual fee.

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Wells Fargo dramatically revamped the Propel American Express Card and released a rewards card that can stand up next to some of the biggest competitors in this category. You will earn 3X rewards points on dining, travel, and gas purchases. Additionally, new card holders have the opportunity to earn 30K bonus points when you spend $3,000 in purchase in the first 3 months. Competitors may offer better sign up bonuses or more valuable points, but the Wells Fargo Propel American Express Card has no annual fee, making it one of the best deals on the market today.

Here is how the rewards break down:

  • Earn 3X points for eating out and ordering in
  • Earn 3X points at gas stations, as well as for rideshares and transit
  • Earn 3X points for travel, which includes flights, hotels, homestays and car rentals.
  • Earn 1X points on other purchases

Who should get this card

If you are looking for a straightforward rewards card that you can use on eating out, travel, and gas station purchases, this is the card for you. Unlike some luxury rewards credit cards, the Propel American Express Card does not include high-end perks. However, you won’t pay an annual fee and the bonus categories on this card are incredibly flexible. If you have good credit and are looking to add a new card to your wallet, you will definitely want to consider the Wells Fargo Propel American Express Card.

Advantages
  • Earn 30,000 bonus points after spending $3,000 in the first three months.
  • There’s no annual fee.
  • Points don't expire.
  • For a no-fee card, the U.S. gas station and U.S. restaurant rewards are generous.
  • Terms apply.
Disadvantages
  • There are rewards cards with bigger sign-up bonuses.
  • Flights can only be redeemed through Go Far Rewards.

Fees and APR

  • This card charges no annual fee.
  • This card comes with a 0% APR introductory offer for 12 months on purchases and balance transfers, after which the regular APR of 14.24% – 26.74% variable will apply. Balance transfer fees apply.
  • This card charges no foreign transaction fee.
  • See Rates & Fees.

Extras, perks and using points

This card comes with multiple benefits ranging from retail protection to travel accident insurance. You will get up to $150,000 in insurance in case of accidental death or dismemberment on a trip purchased with the Propel card, free roadside assistance from American Express, and up to $50,000 in rental car insurance to repair or replace a vehicle rented with the Wells Fargo Propel card. Additionally, you will receive up to $1,000 in coverage per trip for lost luggage and an extended warranty that doubles the manufacturer’s warranty fOR up to 12 months on many of the items that you purchase with the Propel card.

Points can be redeemed through the Wells Fargo Go Far Rewards program.

How this card compares

Citi® Double Cash Card
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed

Excellent/Good

Regular APR

15.24% - 25.24%* (Variable)

Annual Fee

$0*

Purchase Intro APR

N/A

Balance Transfers Intro APR

0% for 18 months*

When it comes to rewards value, the Citi Double Cash Card ranks among the very best cash-back credit cards that charge no annual fee.

The card earns an unlimited 1% cash back when you make a purchase and another 1% back when you pay for those purchases. Big spenders may find this nets more cash-back overall as there’s no ceiling on what you can earn back.

Chase Freedom®
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Credit Needed

Excellent/Good

Regular APR

16.74% - 25.49% Variable

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfers Intro APR

0% Intro APR on Balance Transfers for 15 months

If you’re up for the challenge of tracking bonus rewards categories, Chase Freedom can give you some real cash-back bang for your buck. For travel junkies and road warriors, this card is ideal when paired with an eligible Chase card to reap maximum travel rewards on your spending.

If you don’t want to do the work, get a card that offers a flat cash-back rate better than what you’ll find here.

If you’re someone who finds the challenge of bonus category worth the effort, you might be better off with a card like the Chase Freedom, which has quarterly rotating 5% bonus categories up to $1,500 in combined purchases and pays an unlimited 1% back on all other purchases.

Discover it® Cash Back
  • Intro Offer: Discover will match all the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
Credit Needed

Excellent/Good

Regular APR

13.74% - 24.74% Variable

Annual Fee

$0

Purchase Intro APR

0% for 14 months

Balance Transfers Intro APR

0% for 14 months

Discover it® Cash Back cardholders can earn 5% cash back on up to $1,500 in purchases made in accordance with Discover’s 2018 Cashback Calendar after enrollment. Enroll every quarter to earn 5% cash back on up to $1,500 in purchases made in various categories throughout the year.

You won’t earn one of those huge sign-up bonuses other cards offer, but if you’re looking for a no-frills cash-back card, the Discover it® Cash Back does come with one intriguing feature: Discover will pay a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year.

Bank of America® Cash Rewards credit card
  • No annual fee
  • New Offer: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 14.99% - 24.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%
  • Easily add your Mastercard® credit card to any digital wallet for a simple, secure, and convenient way to pay online, in-app, and in-store
Credit Needed

Excellent/Good

Regular APR

14.99% - 24.99% Variable APR on purchases and balance transfers

Annual Fee

$0

Purchase Intro APR

0% Introductory APR on purchases for 12 billing cycles

Balance Transfers Intro APR

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

In spring 2017, Bank of America modestly boosted the sign-up bonus value on its Bank of America Cash Rewards Credit Card (formerly known as BankAmericard Cash Rewards), but that was enough reason to move this card from a “no thanks,” to a “maybe.”

You’ll earn $150 in online cash rewards after you make just $500 in purchases during the first 90 days of account opening. That spending requirement is fairly low – even for a rewards card that carries no annual fee.

EDITORIAL NOTE

Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.