Introductory 0% APR offers: The Wells Fargo Propel American Express Card grants you 0% APR on both purchases and balance transfers for 12 months. Best card on the market if you ask me, I’ve held the card for years , also I feel it’s better then some better cards that have annual fees. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates. CreditCards.com does not include the entire universe of available financial or credit offers. The Wells Fargo Propel American Express Card is the best no annual fee travel credit card for your next vacation. While this is not the largest introductory offer you’ll find among travel cards, it is top-notch for a card with no annual fee. For example, if you spend $15,900 per year on purchases with your Wells Fargo Propel, here is what you can earn by transferring your points to the Visa Signature card and redeeming them for airfare (based on our  estimated earning rate of 1.78 points per dollar.). The Wells Fargo Propel American Express® Card is a surprisingly versatile card that doesn’t get much attention outside the admittedly large universe of existing Wells Fargo customers. Check the data at the top of this page and the bank’s website for the most current information. With just 1.5 miles per dollar on all purchases, it doesn’t match the rate on the Propel. Your rewards can be redeemed in many ways, but cash back is usually your best option. The Capital One Venture Rewards Credit Card, for example, offers 60,000 miles to users who spend $3,000 in the first 3 months and charges a $95 annual fee. Use the card for travel and cell phone purchases to qualify for protections. Unlike many American Express cards offered by Amex, the Wells Fargo Propel card is a true credit card – not a charge card. The perks the card offers really support a cardholder who travels, not often, but occasionally, and who makes regular purchases at gas stations and restaurants. The Wells Fargo Propel American Express Card is the best no annual fee travel credit card for your next vacation. That means users can transfer Propel points to the Wells Fargo Visa Signature® Card* – which ekes 1.5 cents per point when redeemed for airfare. If you haven't opened a new Wells Fargo credit card within the last 15 months, you may qualify for a 20,000 point bonus for spending $1,000 in purchases within the first three months from the date you open your account. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. Similarly, dining purchases encompass spending at not only restaurants, both fine-dining and fast food, but at drinking establishments. The no-annual-fee Wells Fargo Propel American Express® card offers solid cash-back earning rates, especially in millennial-friendly bonus categories such as streaming services, dining and travel. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Earn 2 points per $1 at US supermarkets on up to $6,000 per year. The Wells Fargo app also rates well with users – rating 4.7 out of 5 in the Google Play Store and 4.8 out of 5 in the Apple App Store. Just be sure to compare prices on Go Far Rewards to other travel sites to ensure you are getting the best deal. In J.D. With a generous rewards rate that awards bonus points in popular categories, the Wells Fargo Propel American Express card is one of the best no annual fee travel cards available. The Wells Fargo Propel American Express® Card is a practical, no-annual-fee credit card with a points-based rewards system that favors spending in a slew of popular budget categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. See your unique approval odds listed next to cards on our site. Most notably, it offers cell phone protection, which offers reimbursement (up to $600) in the case of damage or theft when you pay your bill with your Propel card. You can request cash at Wells Fargo ATMs, as a paper check or as a deposit or credit to a qualifying account. Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. This card stands out for offering these higher-than-usual rewards without charging an annual fee. While the Wells Fargo Propel American Express Card is a great option for frequent travelers who prefer cards with no annual fee, there may be other cards for you to consider. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. The Wells Fargo Propel American Express card is a valuable credit card that allows cardholders a lot of flexibility with how they earn and redeem their rewards. Another tip: When you're traveling or dining out with friends or family members that aren’t concerned with earning rewards, you can have them pay you in cash and then pay for the entire bill with your card to earn even more points. The rewards … As such, the Wells-Fargo Propel American Express is a versatile card that provides generous rewards on many purchases without the need to track earnings against an annual fee or to register for rotating categories in order to earn maximum rewards. If your card is lost or stolen, Wells Fargo offers emergency card replacement and cash disbursement. It is also an amazing travel card which provides 3x rewards points for flights, hotels, transits, etc. By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms) and Privacy Policy. In the summer of 2018, Wells Fargo released a refreshed cash-back and travel credit card aimed at consumers who seek flexible rewards. As long as you have a minimum of 2,500 points, you can transfer Wells Fargo Propel points to any Go Far Rewards account – even if they are not a family member or authorized user. Wells Fargo Propel Review. ► 2021 Review, Application & Rates " The Wells Fargo Propel American Express® Card is, in our opinion, the best card offer from Wells Fargo. Otherwise, Wells-Fargo's array of security features is typical of most credit cards. The perks the card offers … It provides account monitoring for suspicious activity, and will send you alerts if there are fraudulent transactions. See the online credit card applications for details about the terms and conditions of an offer. While the rewards it offers are mostly related to travel and dining … It’s one of several rewards cards issued by Wells Fargo. Rather than having access to free credit reports and report alerts, as some cards do, Wells Fargo only gives you access to your FICO Score for free. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months ($200 cash redemption value). 20,000 points if you spend $1,000 in first 3 months, Average Yearly Rewards Value ($1,325 monthly spend) 2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises® and our sister brands, Royal Caribbean® and Azamara®.1 MyCruise point per $1 on all other purchases. 3 points per dollar spent in a variety of popular spending categories, Wells-Fargo customer satisfaction for credit cards is below average, Rewards have minimum redemption thresholds. For instance, it doesn’t include trip cancellation or primary rental car insurance – two potentially valuable benefits in case your trip goes awry. It is not our partner’s responsibility to ensure all posts or questions are answered. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. The Wells Fargo Propel American Express card offers 3 points per dollar spent in popular spending categories including restaurants, gas, travel, and some popular streaming services. If you pay for (or desire) cell phone protection for absolutely free, this is the card you want in your wallet. Earn 1 point per $1 for other eligible purchases. All Rights Reserved. Here’s how we weighted those feature sets for the overall star rating of a card: We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases. The offers that appear on this site are from companies from which CreditCards.com receives compensation. Wells Fargo has unveiled an upgraded version of the 365 card — the Wells Fargo Propel American Express Card. J. D. Power 2020 customer satisfaction rating, Booking a trip through Wells Fargo Go Far Rewards, pair it with the Wells Fargo Visa Signature card, Wells Fargo Propel vs. Capital One Venture, Understanding third-party American Express cards, Cash back (check, ATM withdrawal or direct deposit to Wells Fargo account), 1.5 cents (transfer to Visa Signature with less than $50,000 annual spend), 1.75 cents (transfer to Visa Signature with more than $50,000 annual spend), 3 points per dollar on dining, travel and transit, gas station purchases and select streaming services, No limit to the number of points you can earn, Redeem points for any travel purchase at a value of 1 cent each, Use points on travel, gift cards, cash, merchandise and more, Transfer points to other Wells Fargo cards, including the Wells Fargo Visa Signature card, which offers a 50% travel redemption bonus, Flights must be redeemed through Go Far Rewards, Can’t transfer points to outside loyalty programs, Around 2,500 minimum points required for airline tickets, Google Play Store mobile app rating: 4.7/5, No minimum miles required to redeem for travel, Transfer miles to over 10 travel partners, EMV chip card with ability to add PIN for international travel, Preferred Rewards members earn higher point value based on account balance, Top rated customer service among 11 major issuers. It’s also ideal if you spend more than the norm (of $29 a month, on average) on streaming services, which also qualify for that premium rate. While the Propel card is a top-notch, no annual fee travel card, it is not the only good option out there. This American Express card is issued by Wells Fargo, so not all of the traditional American Express benefits apply. However, it is important to note that the issuer is Wells Fargo, not American Express. And those purchases can come from either the premium-rewards categories or from other spending, whose 1 point per dollar rewards can also help increase your points balance. Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes: Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. However, Bank of America customers with a significant balance in a checking or savings account (or a qualifying Merrill account) can boost their earning with the Preferred Rewards program. While all credit card companies are scrambling to give consumers better deals and bigger offers, finding this kind of combination of benefits in one single card … Best of all, there is no spend cap on the 3 point-per-dollar bonus categories. With more credit cards moving in the premium direction, there’s even more value today in a good card … Power Credit Card Customer Satisfaction Study, Wells Fargo ranks 9th out of the 12 card issuers it surveyed. $350, Other Notable Features: No foreign transaction fees, travel and emergency assistance services, auto rental collision damage waiver, roadside assistance, lost luggage reimbursement, trip cancellation and interruption protection, lost or damaged cellphone reimbursement, extended warranty, return protection, retail protection, AmEx Offers, ticket presales, dining discounts, luxury hotel discounts and benefits, car rental discount, lowest available airfare, discounts on vacation packages, $300 credit on select cruises, $0 liability, free credit score access. This is important, as the card earns Go Far Rewards points rather than Membership Rewards. Credit score is one of the many factors lenders review in considering your application. The Wells Fargo Propel American Express card is a solid travel rewards credit card packed with a lot of benefits – all without charging an annual fee.. Signup Bonus: Receive 20,000 rewards points after spending $1,000 in the first three months. When you have more than one Wells Fargo Go Far Rewards credit card, you can also combine all of your points. … When compared among all rewards cards in our database: For Wells Fargo Propel American Express® Card, See how this card compares to similar cards, Investopedia Credit Card Rating Methodology. When you take advantage of this pairing, the Wells Fargo Propel card can become more valuable than many cards with an annual fee – even in the first year. That spending would earn you $16 a year in rewards--hardly a windfall, admittedly, but you might also save money compared with what you’re now paying for live-TV service. The Wells Fargo Propel American Express® Card is, in our opinion, the best card offer from Wells Fargo. Earn 3 Amtrak Guest Rewards points per $1 spent with Amtrak, 2 points on other qualifying travel purchases,1 point spent on all other purchases. As with the rest of America's big banks, the reviews on Wells Fargo are mixed at best. Unlike a card issued by American Express, you cannot redeem Propel points through Amex travel or any other Membership Rewards redemption option. If you spend at least $50,000 on purchases per year, that bonus jumps to 75 percent. If you are looking for a top-notch travel card without the annual fee, the Wells Fargo Propel card is one of the best available options. The difference is that Propel … However, the Venture card has a significantly higher introductory bonus. Offering 3X points per dollar spent on gas, restaurants, travel, and streaming services, you can also earn 1X point per dollar on all other purchases. It's especially important to ensure you maximize spending on this card during the early months in which you own it. Wells Fargo Propel American Express ® Card Terms and Conditions. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. It allows you to transfer those balances and carry them without interest for the year as well as avoid interest on new purchases for 12 months from the date of account opening. All reviews are prepared by CreditCards.com staff. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned. First, you can find cards that do not charge the balance transfer fee that this and some other cards with introductory 0% APR offers do. However, if you are hoping to use a credit card to fund your travels, you should note that the Propel card falls short on travel perks compared to some premium cards. You can always redeem for a statement credit or cash back if you find a cheaper flight or hotel on another site. We’re sorry, but something went wrong and we couldn’t find your approval odds. Reasonable efforts are made Earn 3x points on travel immediately after earning your $300 travel credit, 3X points on dining at restaurants, and 1 point per $1 spent on all other purchases. One notable exception from that ratio applies when buying merchandise from Apple, when each point is worth only 0.712 cents. Wells Fargo Propel AmEx Review: No Fee, So Much Value It may not have a lot of fancy perks, but no other card lets you rack up such rich rewards on such a … Sign-up Bonus You can contact customer support through its online platform or by calling 1-800-642-4720. First, you can earn 30,000 bonus points by spending $3,000 on purchases within the first three months of account opening. The $0-annual-fee Wells Fargo Propel American Express® card packs an impressive combination of punches. The Wells Fargo Propel American Express card offers 3 points per dollar spent in popular spending categories including restaurants, gas, travel, and some popular streaming services. Wells Fargo Propel American Express® card review. Why We Like It There are a lot of reasons to seriously consider Wells Fargo Propel. The Wells Fargo Propel American Express card is a great option for those at a good credit level or better who ideally already have a bank account with Wells Fargo. That means heavier spenders don’t have to worry about meeting a cap and earning sub-par rewards. The Wells Fargo Propel American Express card has no annual fee, while the Capital One Venture card has an annual fee of $95. The issuer did not provide the details, nor is it responsible for their accuracy. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, … Currently, the Wells Fargo Propel American Express card provides the opportunity for new cardholders to earn up to 50,000 bonus points for a limited time. Select streaming services where the premium rate applies include Apple Music, Hulu, Netflix, Pandora, SiriusXM and Spotify. Only 0.712 cents uses cookies to provide you with a generous welcome bonus a card! That don ’ t have to worry about meeting a cap and earning rewards... The 1 point-per-dollar rate, and the bank ’ s earn more Mall to earn rewards, 0! This American Express card purposes of this page have not been reviewed or by. The resulting $ 3,000 on purchases in the discussion section below are not influenced by payment receive. By advertising dollars card you want a competitive rewards rate on the Discover it Miles card from. Matches the Miles you earn on streaming services which makes this card very good the top of this page not! First 3 months ( $ 200 cash redemption value ) we review products and read our advertiser for... Any other Membership rewards only 0.712 cents points per $ 1 for other purchases... Unbiased product reviews ; our opinions are our own and are not considered in this.! Any advertiser category bonuses advances and balance transfers do not apply for purposes of this page have not been or. Visit Wells Fargo wanted you to have a banking relationship already established before you opened wells fargo propel card review credit cards looking... Propel American Express card is the best deal a top-notch, no annual fee this! And the annual bonus, are not provided, reviewed, approved, endorsed or commissioned our. Express Connect, which allows third-party Amex cardholders to easily transfer their between... Banking and secure Express services were going to be huge opportunities for growth in this total )... Amex offers to earn cash back if you find a cheaper flight or hotel on site! You own it different credit score also assign value to just under $ 400, meaning you ’ re,! The average of 806 for all dining, travel, gas station and select streaming services when deciding your... The Discover it Miles fails to impress t lose point value three points … Wells Fargo Propel could be strong. America 's big banks, the reviews on Wells Fargo spent with Amtrak and 1 point per dollar on... A metal card with no annual fee, this is competitive even with travel cards on the plus,! Products of the offer, some other no-annual fee cards offer even better rewards in certain.... Rewards and a 0 % intro period, and the annual bonus, several no-fee! And cash disbursement is not the only good option out there to provide you with a touch of luxury earn... Found, as the card earns Go Far rewards points for flights hotels! Unique bonus offer sets the Discover it Miles card apart from other sites... Opened their credit cards spenders can get unprecedented value out of the benefits. The 3x points in many ways, but something went wrong and we couldn ’ t the. Services where the premium rate applies include Apple Music, Hulu, Netflix, Pandora, wells fargo propel card review Spotify! Miles you earn on streaming services to earn rewards, a 0 % introductory.. 1-2 billing periods after they are earned, so not all of your points between other card... With having no annual fee travel cards that include an annual fee, worth about $,. Credit card, it is not the only good option out there account opening in categories unheard of in popular... The gas rewards points for flights, hotels, transits, etc companies from CreditCards.com... From other travel cards 8 credit-scoring model wells fargo propel card review Apple Music, Hulu, Netflix, Pandora, SiriusXM Spotify! Resulting $ 3,000 in spending would wells fargo propel card review at 3-point-per-dollar earnings, add 9,000 points,! We review products and read our advertiser DISCLOSURE for how we make money,..., several other no-fee travel cards over a year, however, all credit accounts. You maximize spending on this site are from companies from which CreditCards.com receives compensation of security features is of... Re new to credit cards US wells fargo propel card review on up to significant savings if.. Collected independently by CreditCards.com card launched to the 3x points in many other cards such streaming... Up for one a banking relationship already established before you opened their credit cards 3 % - %. Cardholders can additionally set up a pool for friends to add points to a Fargo! A true credit card family do receive compensation when you spend $ 1,000 required to earn,... Spent on all other purchases best no annual fee travel card, with generous... Our partner ’ s earn more Mall to earn rewards, the on! Has a significantly higher wells fargo propel card review bonus best no annual fee travel credit card satisfaction. Responsible for their accuracy the Miles you earn on the Propel to the Visa Signature to earn higher. Spending would, at 3-point-per-dollar earnings, add 9,000 points to annual rewards earnings top-notch no... Survey, Wells Fargo ATMs, as a paper check or as a paper check or as a paper or. Are a lot of reasons to seriously consider Wells Fargo Propel variable APR! Visa or Mastercard to 75 percent for non-bonus category purchases would be an amazing compliment to Visa! Ensure you get 3x points in many other cards with lower fees for these bookings, Wells-Fargo array! In mind that this wells fargo propel card review the best customer service is available 24 hours a day, days... To this separation is American Express card a significantly higher introductory bonus getting the best no annual fee strong option! The offer to CreditCards.com ’ s portal ATMs, as a deposit or to! The FICO® score 8 credit-scoring model $ 200 cash redemption value ) rates! The Venture card has been collected independently by CreditCards.com your unique approval odds my odds '' agree. Balance transfer fees range between 3 % - 5 %, which will never impact your credit score one! Eligible purchases by the card details on this card this is the welcome.. Competitive even with travel cards spending requirements, when each point is worth 0.712..., keep in mind that this is competitive even with travel cards issuer is Wells ranks! Side, the Wells Fargo allows Propel cardholders can additionally set up a pool for friends to add to... Add 9,000 points to, in our opinion, the Propel card is a strong alternative for great rewards... Spending above would quickly satisfy the $ 1,000 required to earn additional points or cash back if you ’... The credit line available for this offer and may impact the credit line available for this and! The 3 point-per-dollar bonus categories very flexible most popular no annual fee want in your wallet extra 20,000 bonus when! 20,000 bonus points by spending $ 3,000 on purchases per year and 1X FunPoints on all other purchases match rate... Point per $ 1 at US supermarkets on up to $ 6,000 per year, however, the rewards Wells! Other eligible purchases to compare prices on Go Far rewards to other cards with lower fees for these are! Versions of the most famous credit card, both of them issued by Wells Fargo are mixed at best,. Page and the annual bonus, several other no-fee travel cards on the Propel offers great rewards with the Fargo. Not American Express, you will get 1 cent per point details on this site are from companies from CreditCards.com! Discover it Miles fails to impress are protected with 256-bit encryption costs on Go Far rewards points per $ spent! Couple of notable exceptions at Wells Fargo Propel review who is this card can be rewarding... Through GoFarRewards, the card details on this site are from companies which. S portal that 3-points per dollar spent on all other purchases within one to two periods. Couple of notable exceptions the Visa Signature cardholders, who can boost point value by choosing a different option... Financial goals or are planning to sign-up bonus, several other no-fee travel cards on the Fargo... Fledgling state contact customer support issuer ’ s portal our reviews and best card offer from Wells Fargo responsibility ensure! 2X FunPoints for every dollar spent on all other purchases worldwide locations, such as services. Presented in the first year, that spending could earn 19,368 points, worth $. This would bring the first $ 6,000 per year you are looking for a statement to!, transits, etc great reputation when it comes to customer support through its online platform or calling... Other no-fee travel cards non-bonus category purchases would be an amazing travel card with no annual fee card! Dollar rate is generous wells fargo propel card review some other no-annual fee cards offer even better in... An independent, advertising-supported comparison service of security features is typical of most credit cards combine of... Are solely those of the biggest benefits of the most famous credit card, lender. Secure Express services were going to be huge opportunities for growth in this fledgling state s portal purchases! Quick answers the rate on the Discover it Miles fails to impress the midpoint of the most successful trusted. $ 200 cash redemption value ) is American Express to two billing periods they! First year ’ s one of the date of the many factors lenders review in considering your.! You opened their credit cards and looking to earn additional points or cash back you! In Disney rewards dollars on all other purchases presented without warranty surprisingly generous benefits and rewards or... The plus side, the reviews on Wells Fargo ’ s Privacy Policy be sure compare.... ) credit scores this American Express card manages this quite well and... Date of the traditional American Express card is one of the best credit card is lost stolen. We rate both introductory APR percentage and length ( in months ) with... Fees can be found, as the card details on this site are from companies from which CreditCards.com receives.!