Wells Fargo Propel Amex Review: Well-Rounded Card for Travelers

This Wells Fargo card has a robust points system.

Given the bank’s repeated business scandals, a Wells Fargo credit card might not sound like the most appealing option to you. But the Wells Fargo Propel American Express credit card will likely make you rethink that stance once you see what it has to offer.

Continue reading this review to see which Wells Fargo credit card you should get.

Wells Fargo Propel Amex Credit Card at a Glance
Features
  • $0 annual fee
  •  14.49% to 26.99% APR
  • 3 points for every $1 spent on restaurants,
    gas, ride-hailing services, flights, hotels, car rentals and popular streaming services
  • 1 point for every $1 spent on all other purchases
Pros
  • 30,000 bonus points after spending $3,000 in purchases within 3 months
  • 0% APR for purchases and balance transfers within 12 months
  • No foreign transaction fee
Cons
  • APR switches to variable rate after one year
  • Fees for late payments or returned payments can run up to $37
Information accurate as of Oct. 12, 2018.

In this review:

What You Need to Know About the Wells Fargo Propel Amex Credit Card

The points system on this Wells Fargo card is hard to beat, providing three times the amount of points for a wide variety of purchases with no spending cap. You can then redeem these points for rewards. Cards that offer a tiered points system usually just include gas and restaurants, and even then there might be a spending cap — at which point your eligible purchases go back to one point per dollar.

Travelers can benefit from earning the highest amount of points with flights and hotels — plus, the card does not have a foreign transaction fee.

This card is best for: people who are interested in racking up points quickly and saving money with no annual fee, or those looking for a travel-friendly card.

Best Features of the Wells Fargo Propel Amex Credit Card

The points system for the Wells Fargo Propel American Express card already makes it a versatile credit card for travelers. Other perks include the lack of annual fee and the yearlong introductory rate of zero percent for purchases and balance transfers, which means you can use the card to consolidate debt.

Wells Fargo Interest Rates: How to Get the Bank’s Best Rates

New cardholders are also eligible for 30,000 bonus points, which are activated once you spend $3,000 within the first three months. Because the credit card’s points system is so robust, you can easily earn triple points on your $3,000 in purchases, bringing the possible total up to nearly 40,000 points for the first $3,000 spent.

Wells Fargo Propel Amex Credit Card Designed for All Shoppers and Travelers

The benefits of this American Express card seem to outweigh its cons, given the general lack of fees — including no foreign transaction fee — and generous points system. What makes the Wells Fargo Propel card especially appealing to all types of consumers is the wide range of purchases that allows them to earn three points for every dollar. And, although it’s not explicitly a Wells Fargo travel card, this credit card comes with a variety of perks for travelers.

If you’re still weighing your options, check out the best credit card offers, deals and bonuses available now.

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This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Wells Fargo or American Express.