Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months - that's a $300 cash redemption value
$0 Annual Fee
Earn 3X points for eating out and ordering in
Earn 3X points for gas stations, rideshares and transit
Earn 3X points for travel including flights, hotels, homestays and car rentals
Earn 1X points on other purchases
0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
Select "Apply Now" to learn more about the product features, terms, and conditions
Rates, fees & offers
1 point per dollar
Earn 30K bonus points when you spend $3,000 in purchases in the first 3 months – that’s a $300 cash redemption value
0% APR for 12 months on purchases and qualifying balance transfers
APR: 16.24% - 27.24% Variable APR
Balance transfer fee
3% for 120 days, then 5%
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and Cons
No annual fee
No foreign transaction fee
Intro APR period on Purchases and Balance Transfers
American Express isn’t accepted at as many merchants as Visa or Mastercard
Requires good/excellent credit
The $0-annual-fee Wells Fargo Propel American Express® Card packs an impressive combination of punches. Its wide-ranging and generous bonus categories put its earning power on par with some of the top rewards cards on the market, and its welcome offer is as valuable as you'll find on a travel card that costs you nothing to carry.
You'll earn 3 Go Far Rewards points per $1 spent on:
-Eat & Drink: Includes restaurant dining, takeout and bars.
-Ride & Drive: Includes gas stations, rideshares and transit.
-Fly & Stay: Includes flights, hotels, homestays and more.
-Watch & Listen: Includes eligible streaming services such as Apple Music, Hulu, Netflix, Pandora and Spotify Premium.
All other eligible spending earns 1 point per $1 spent.
While you'll avoid an annual fee, you'll also miss out on some of the flexibility and key travel perks offered by cards that do charge annual fees. But if you're seeking pure points-earning power, the Wells Fargo Propel American Express® Card could be right for you. For more information, see NerdWallet's full review of this card.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.