Wells Fargo Propel American Express Card Review: Earn Points on Travel, Redeem for Anything [2020]

Looking for a free card that earns you points on travel? Check out all the perks you’ll get with the Wells Fargo Propel American Express Card.
Last updated Feb 27, 2020 | By Larissa Runkle

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The Wells Fargo Propel American Express Card packs a lot of perks for a card with no annual fee. If you’re a frequent traveler of any kind (cross country or international), this card might spark your interest with its wide variety of travel categories in which you can earn bonus points.

Anything from gas to Airbnb or even campgrounds (and of course, plane tickets and hotels) will earn you 3X the points. Earn 20,000 points when you spend $1,000 within the first 3 months with Wells Fargo's generous welcome bonus and enjoy a 0% intro APR for the first 12 months.

An Amazing Free Card for Travelers

Wells Fargo Propel American Express Card

Wells Fargo Propel American Express Card

Wells Fargo Propel American Express Card

Benefits

  • 3X points on several popular categories
  • 0% intro APR on purchases and balance transfers
  • No foreign transaction or currency conversion fees
  • Terms apply

Drawbacks

  • American Express cards aren’t as widely accepted as Visa or Mastercard
  • Extra bonus points do not apply to grocery store purchases

Who should get this card?

This card is best for someone with good to excellent credit who can take full advantage of the 3X points by frequently using it at restaurants or for flights booked through an airline. Because there’s no annual fee involved, it’s also a good card for the casual user — even if it isn’t your only card or day-to-day card.

If you don’t travel enough to get the most out of the rewards points, you’re probably better off going with a different card — one that gives you more rewards for daily expenses like groceries.

Card basics

Annual Fee $0
Welcome Bonus Earn 20,000 points when you spend $1,000 within the first 3 months
Recommended Credit Score Excellent, Good
Intro APR 0%
Foreign Transaction Fee None

Top card benefits

  • Significant welcome bonus:  20,000 bonus points isn’t a bad welcome bonus for a card with a $0 annual fee.
  • Earn 3X points on travel: This all-encompassing travel category which includes hotels, homestays (including Airbnb), gas stations, and even Uber is nice for someone who hits the road frequently, whether by car or plane. You can earn 3X points on eligible dining, transportation, travel, and streaming service purchases; and 1X points on other purchases.
  • No foreign transaction fees: Anyone who travels abroad frequently will know how important this benefit is. No one wants to get stuck calculating just how many fees they’ll incur while using foreign ATMs or swiping their card overseas. Although this feature is pretty standard for most travel cards, it’s still an important one to have.
  • No annual fee: While some cards with annual fees might offer more rewards than those without, this card does a good job of offering some of those benefits without having a hefty annual price tag.
  • 0% introductory APR for the first 12 months: This benefit can help you take full advantage of the welcome bonus by giving you 12 months interest-free to spend the $3,000. Just be sure to pay down your balance in the first year before the standard interest rate kicks in.

Earning & redeeming

Best ways to earn

This card gives you a lot of choice in ways to earn your 3X travel points. Not only can you earn bonus points through standard means of travel, but you can also snag some points by using this card at campgrounds; for cruise line tickets; at highway tolls, parking lots, and garages; and even at fast food joints or bars.

You can also earn 3X bonus points on eligible streaming services, which currently include Netflix, Hulu, Pandora, Apple Music, Spotify, and SiriusXM.

Categories Rewards rate
Restaurants 3X points
Travel 3X points
Gas Stations 3X points
Grocery Stores 1X points

Maximizing your redemptions

When it comes time to redeem your points, this card won’t limit you the way others might. You can redeem your points for travel, cash back, digital downloads, gift cards, or other merchandise.

If you have family or friends using Wells Fargo cards, you can even pool your rewards using Wells Fargo’s Go Far Rewards program. And if you also happen to have the Wells Fargo Visa Signature Card, your Go Far Rewards will be worth 50% more when redeemed on airfare.

Common questions

What credit score is needed for the Wells Fargo Propel card?

For this card, you’ll need a credit score that falls between good and excellent.

Is the Wells Fargo Propel American Express card metal?

The card has a metal core, but it’s not a fully metal card.

How do I redeem my Wells Fargo Propel rewards?

You can redeem your points online or over the phone with Wells Fargo. Redemptions can either be made on a one-time basis (which can also be done at a Wells Fargo ATM) or automatically (once they reach a certain amount).

Does the Wells Fargo Propel card have foreign transaction fees?

No, it doesn’t have foreign transaction fees.

Other cards to consider

While the Wells Fargo Propel American Express Card is a great option for frequent travelers who prefer cards with no annual fee, there may be other cards for you to consider.

The Capital One® Venture® Rewards Credit Card offers a slightly-higher early spend bonus (that comes in at a $500 value), but it also has a $95 (waived first year) annual fee after the first year. You'll earn 2X miles on every purchase, every day.

The Chase Sapphire Preferred Card also offers a higher sign-up bonus (at a $750 value), but it comes with a $95 annual fee straight out of the gate. On the positive side, you can earn 5X on Lyft rides, 2X points on eligible dining and travel, and 1X points per $1 on all other eligible purchases.

An Amazing Free Card for Travelers

Wells Fargo Propel American Express Card

Wells Fargo Propel American Express Card

Wells Fargo Propel American Express Card

Special Offer

Earn 20,000 points when you spend $1,000 within the first 3 months

See how these cards compare:

Capital One® Venture® Rewards Credit Card
Capital One® Venture® Rewards Credit Card
  • 50,000 bonus mile welcome offer
  • 2X miles on every purchase, every day
  • Up to $100 Global Entry or TSA PreCheck fee credit
  • No foreign transaction fees
Chase Sapphire Preferred
Chase Sapphire Preferred
  • 60,000 point sign-up bonus
  • 2X points on eligible dining and travel purchases
  • 25% more value when redeeming rewards for travel through Chase Ultimate Rewards
  • Premium travel protection benefits
  • No foreign transaction fees