Wells Fargo Propel American Express® Card Review

Good for Rewards Value

Wells Fargo Propel American Express® card

Rewards rate:

Earn 3X points for eating out and ordering in. Earn 3X points on popular streaming services. Earn 3X points on gas stations, rideshares and transit
Earn 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.

• Intro bonus: 20,000 points
• Annual fee: $0
• Regular APR: 14.49% – 24.99% (Variable)
• Recommended credit score: 670-850 (Good to Excellent)

The Wells Fargo Propel American Express® Card is a no annual fee card that comes with a handful of valuable perks, especially for your future travel plans. You’ll earn 3x points on dining, travel, streaming services, and at gas stations. You can also use your Go Far Rewards points for travel, gift cards, cash back and even charity donations.

At a Glance

• 3x points on eating out and ordering in
• 3x points on gas stations, rideshares, and transit
• 3x points on flights, hotels, homestays, and car rentals
• 3x points on popular streaming services
• 1x points on all other purchases
• Earn 20,000 bonus points after spending $1,000 in the first three months
• No annual fee
• No foreign transaction fees
• 0% introductory APR on purchases and balance transfers for the first 12 months
• 14.49% to 24.99% variable APR after 12 months

Additional Card Details

In addition to solid rewards, the Wells Fargo Propel card comes with some other notable benefits.

You’ll get cell phone protection up to $600, minus a $25 deductible, for damaged or stolen phones when you pay your bill with the card. You can even get advance access to concert, theater and event tickets (once live events return) through American Express Presales.

As far as retail perks go, you’ll get reimbursed for items damaged or stolen within 90 days of purchase, as well as an extended warranty, as long as you’ve paid for the items with the card.

The card has some solid travel benefits too. You’ll get travel accident insurance and a lost luggage reimbursement (if you paid for your lost luggage with this card), plus car rental loss and damage insurance, roadside assistance and 24/7 travel and emergency assistance, as well as emergency cash advances.

Should You Get This Card?

This is a great option for credit card beginners who want a no annual fee card with rewards across a range of categories and a simple (but limited) rewards program for redemptions.

It earns 3x bonus points on a handful of categories: dining, including at restaurants, on takeout, and at bars; travel, including hotels and flights; driving, including at gas stations, on rideshares and transit; and streaming services. These streaming services include popular providers, such as Netflix, Hulu, Disney+, Amazon Prime, Apple Music, Spotify Premium and more.

You’ll earn points rewards as Wells Fargo Go Far Rewards points, not American Express Membership Rewards points. Unlike potentially more valuable Membership Rewards points, Go Far Rewards points are worth a fixed 1 cent each, and provide less flexibility than Amex points. You can redeem Wells Fargo Go Far Rewards points on travel, cash back or gift cards through the issuer’s Go Far Rewards travel portal. This can be a selling point for people who are looking for simplicity, instead of dealing with transferring points to partners. But rewards programs with transfer partners, like Amex or Chase, can usually offer much more value when you’re ready to redeem. Your points do not expire as long as your account is…