Propel your rewards game to a whole new level with Wells Fargo’s Propel American Express. Earn 3 points per dollar spent on restaurants, gas, travel, transit, and streaming services, while saving big on fees, with no annual fee and no foreign exchange fees.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Purchase Term
12 months
Balance Transfer
Transfer Term
12 months
Extended Warranty 1 year
Purchase Protection 90 days
Mobile Device $600
Lost or Stolen Baggage $1,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

If we find your match, we’ll give you up to $25 when you refer your friends.*

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Wells Fargo Propel review

One of our top no fee credit cards, the Wells Fargo Propel American Express offers plenty of flexible rewards on your purchases. And no matter how you redeem your points, you're guaranteed to get great value.

Here's everything you need to know about this card.

Wells Fargo Propel rewards

Let's start with earning rewards. You'll be earning 3 Go Far Rewards per $1 spent in a variety of categories, including:

And you’ll earn 1 point per $1 spent on all other purchases.

Welcome bonus

There's also a great welcome bonus. You'll earn 20,000 bonus points after spending $1,000 in the first 3 months.

Using your Propel Rewards

So what can you use your Go Far Rewards for?

Here's the list of options you have at your disposal:

  • cash,
  • charity donations,
  • merchandise,
  • gift cards, and
  • travel.

For merchandise, the value of a point varies. But for all other options, 1 point is worth 1 cent.

The best option of the bunch? The cash option. There are quite a few ways you can get your rewards paid out in cash:

  • credit towards a purchase,
  • check, and
  • cash from a Wells Fargo ATM.

That last option is why cash is our preferred method of redemption. Who doesn't like going to an ATM and getting some cash for free?

For all cash options, you'll need a redemption of at least 2,500 points for $25. For the ATM withdrawal, the minimum redemption is $20, and you can only redeem in $20 increments.

You can learn more about Wells Fargo Go Far Rewards here.

Wells Fargo Propel benefits

The fun doesn't stop at rewards. There are lots of other benefits associated with this card.

Insurance coverage

There are quite a few insurance coverages provided with this card – you can view the full details by clicking on the "Insurance" tab above.

One coverage we'll highlight here? Mobile device coverage. Pay your cell phone bill with your credit card, and you'll be covered from theft or damage to your mobile phone.

Intro purchase and balance transfer offer

Have existing credit card debt to tackle? Or have some large purchases coming up? To start you off, you'll get an APR of 0% for 12 months on balance transfers and new purchases made on the account.

Wells Fargo Propel fees

In addition to everything else that's been mentioned, the card has no fees.

Here are the key fees that are waived.

Annual fee

There's no annual fee with this card. That's money that can be kept in your pocket.

Foreign transaction fee

There's also no foreign transaction fee. Save yourself the typical 3% fee many credit cards charge when making purchases that aren't in U.S. dollars.

Wells Fargo Propel downsides

It's a great credit card, and it has a lot to offer. Are there any downsides? Not really, but there are a few small things we'll quibble with.

The biggest of these is the rewards earn rate. While good, some other no fee cash back cards offer better annual rewards on your purchases. There are lots of categories for earning 3 points per $1 spent, but some of them have limited usefulness.

Other no fee cards also have better introductory balance transfer and purchase APR offers. If that's something of interest to you, there are other cards that offer these 0% intro rates for longer.

Alternative credit cards to consider

Looking for something different? Here are a few of our top no fee cash back credit cards that have a higher earn rate on every purchase.

Of course, since they're all no fee, they also make a great pairing with the Wells Fargo Propel Amex.

Credit CardWelcome BonusAnnual FeeEarn Rates
* 20,000 bonus points when you spend $1,000 in your first 3 months
* 0% intro APR for 12 months on all purchases and balance transfers
$0* Earn 3 points per $1 spent on restaurants, gas, transit, travel, and streaming services
* Earn 1 point per $1 spent on all other purchases
None$0* 1% unlimited cash back on all purchases
* Another 1% cash back when you pay your bill on time
None$0* 2% unlimited cash back on all purchases
Earn a $150 cash back bonus when you spend $500 in the first 3 months$01.5% unlimited cash back on all purchases
Earn 3% cash back in the first year on the first $10,000 in spending$01.5% unlimited cash back on all purchases
* Earn a $200 cash back bonus after spending $500 in 3 months
* 0% intro APR on purchases and balance transfers for 15 months
$01.5% unlimited cash back on all purchases


What can Wells Fargo Propel rewards be used for?

Wells Fargo Propel rewards can be used for many things:

  • cash,
  • travel,
  • gift cards, and
  • merchandise.

Each point is worth 1 cent when redeemed for cash and gift cards.

What is the foreign transaction fee for the Wells Fargo Propel American Express?

The Wells Fargo Propel Amex changes no foreign exchange fee.

What credit score is required to apply for the Wells Fargo Propel Amex?

We estimate that you can be approved for the Wells Fargo Propel Amex with a credit score of Good, in the range of 670-739.

What are your thoughts?