Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Wells Fargo Propel American Express® card

Card details

  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

  • $0 annual fee and no foreign currency conversion fee

  • Earn 3X points on eating out and ordering in

  • Earn 3X points on travel including flights, hotels, homestays and car rentals

  • Earn 3X points on gas stations, rideshares and transit

  • Earn 3X points on popular streaming services

  • Earn 1X points on other purchases

  • Select "Apply Now" to learn more about the product features, terms and conditions

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-3x

  • Bonus offer

    Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value

  • Intro APR

    0% intro APR for 12 months on purchases and qualifying balance transfers

  • Ongoing APR

    APR: 13.99% - 25.99% Variable APR

  • Balance transfer fee

    3% for 120 days, then 5%

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

Wells Fargo Propel American Express® Credit Card

Wells Fargo Propel American Express® card

Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

13.99% - 25.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR for 12 months on purchases and qualifying balance transfers

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% on Balance Transfers for 18 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

Rating details

4.9

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Sign-up bonus

  • No foreign transaction fee

  • Intro APR period on Purchases and qualifying Balance Transfers

Cons
  • 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.