Wells Fargo Propel American Express® card

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Recommended Credit Score

Good to Excellent (670 - 850)

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Annual Fee:
Purchase Intro APR:
0% for 12 months
Balance Transfer Intro APR:
0% for 12 months on qualifying balance transfers
Regular APR:
14.49% - 24.99% (Variable)
Terms and Restrictions Apply

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The information related to the Wells Fargo Propel American Express card has been collected by Bankrate and has not been reviewed or provided by the issuer or provider of this product or service.

With the Wells Fargo Propel American Express card, you’ll earn 3X rewards points on dining, travel, rideshare, transit, gas station purchases and popular streaming services, plus 1X points for other purchases.

There’s a decent welcome bonus after meeting the minimum spending threshold, and you’ll get all the great benefits of an American Express card. This makes the Wells Fargo Propel a top contender among no annual fee rewards cards.

Here are the details:

Wells Fargo Propel doesn’t offer the largest welcome bonus or most advantageous rewards structure, but it is pretty valuable in terms of no annual fee rewards cards.

Under the 3X category, you’ll earn for eating out, filling up the tank, taking an Uber, renting a car and much, much more. Plus, enjoy a 20,000 point welcome bonus when you spend $1,000 in the first 3 months of card ownership – equal to $200 in cash back.

There’s also a 0% introductory APR for 12 months on purchases and on qualifying balance transfers (14.49%-24.99% variable thereafter), but you must make all balance transfers within 120 days to qualify for the introductory rate.

Is this card right for you?

Looking for an easy-to-use rewards card that’ll help you earn on travel, dining, gas stations and more? The Wells Fargo Propel will help you do so, and without having to pay an annual fee. There aren’t any fancy perks to the card, but it does come with some pretty decent benefits.


  • Earn 20,000 bonus points after spending $1,000 in purchases in the first three months
  • No annual fee
  • No foreign transaction fees
  • Terms apply


  • Other rewards cards offer bigger welcome bonuses
  • Flights can only be redeemed through Go Far® Rewards

How much are the rewards worth?

The current 20,000 bonus point offer (when you spend $1,000 in the first 3 months) has a cash redemption value of $200. There’s no annual fee, so you won’t have to justify the cost of the card.

Your 20,000 bonus points will show as redeemable one to two billing periods after hitting the 1,000 purchase minimum within your first three months of card ownership.

How to use this card

Start spending the right way.

One of the biggest benefits of the Wells Fargo Propel card is the welcome bonus. You can redeem your points for $200 cash back, gift cards, merchandise and more, but to redeem for cash back, you must do so online, over the phone or an ATM.

Cash back redemptions deposited into a Wells Fargo account or dispersed via paper check must be made in $25 increments. If you redeem using a Wells Fargo ATM and Wells Fargo debit card, cash back must be dispersed in $20 increments. To redeem points for gift cards, you need a minimum of 2,500 points (equal to $25).

Enjoy Zero Liability protection, which protects you against unauthorized purchases, Cell Phone Protection when you pay your phone bill with the card and various travel protections.

You’ll receive $50,000 in rental car insurance for damage or theft related to any vehicle rented with your Wells Fargo Propel card. Additionally, you’ll get up to $1,000 in coverage per trip for lost luggage and a 12-month warranty on items purchased with your Propel card.

Points can be redeemed through the Wells Fargo Go Far® Rewards program. We’ve put together a comprehensive Wells Fargo Go Far® Rewards program guide to give you the information you need in order to best understand, earn, and utilize your rewards.

The bottom line

If you’re looking for a simple, no annual fee rewards card that’ll help you earn a good amount at restaurants, gas stations and traveling, the Wells Fargo Propel could be your match.