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  Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

in Personal Credit Cards from Wells Fargo Bank

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Wells Fargo Propel American Express® Card

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in Personal Credit Cards from Wells Fargo Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 14.99% - 26.99%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.99% - 26.99%

Wells Fargo Propel American Express® Card Review

Wells Fargo Propel American Express® Card is a rewards credit card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo Propel American Express® Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of 20000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Wells Fargo Propel American Express® Card has a variable purchase APR that ranges from 14.99% up to 26.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Wells Fargo Propel American Express® Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Wells Fargo Propel American Express® Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Wells Fargo Propel American Express® Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.

Is there a Wells Fargo Propel American Express® Card cash back or rewards program?

Wells Fargo Propel American Express® Card offers a rewards program to its customers.

Wells Fargo Propel American Express® Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Wells Fargo Propel American Express® Card have a signup bonus?

Wells Fargo Propel American Express® Card doesn't offer a cash signup bonus. However, it does include a 20000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

Does Wells Fargo Propel American Express® Card offer an annual loyalty bonus?

Wells Fargo Propel American Express® Card doesn't offer a cash loyalty bonus.

What are the Wells Fargo Propel American Express® Card benefits?

Wells Fargo Propel American Express® Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cellular Telephone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Wells Fargo Propel American Express® Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Wells Fargo Propel American Express® Card has lower than average purchase APRs.

Wells Fargo Propel American Express® Card has a variable purchase APR that ranges from 14.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 26.99%. It also has a variable cash advance APR that ranges from 24.99% up to 26.99%.

Does Wells Fargo Propel American Express® Card have an introductory APR offer on balance transfers?

Yes, Wells Fargo Propel American Express® Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Wells Fargo Propel American Express® Card Balance Transfers
Description
Balance Transfer APR 14.99% - 26.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Wells Fargo Propel American Express® Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

Wells Fargo Propel American Express® Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

What are the Wells Fargo Propel American Express® Card fees?

The following fees apply to Wells Fargo Propel American Express® Card:

Wells Fargo Propel American Express® Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $37
Late Payment Fee up to $37

Does Wells Fargo Propel American Express® Card have a foreign transaction fee?

Wells Fargo Propel American Express® Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Wells Fargo Propel American Express® Card report your account activity to credit bureaus?

Wells Fargo Propel American Express® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Wells Fargo Propel American Express® Card

  • Visit the Wells Fargo Propel American Express® Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Gas (Points) 3
Car Rentals (Points) Starting at 3
Airfare (Points) 3
Every Purchase (Points) Earn 3x points on: Eating out and ordering in; Gas, rideshares, and transit; Flights, hotels, homestays, and car rentals; Popular streaming services.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
  • Zero Percent
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Travel Insurance  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
Free FICO Score  
Bonus Rewards 20,000 bonus points when you spend $1,000 in purchases in the first 3 months.
No Reward Expiration Period  
Rewards Categories
  • Airfare
  • Car Rentals
  • Gas
  • Home Improvement Purchases
  • Hotels
  • Internet / Cable / Phone Services
  • Restaurants
Signup Bonus (points) 20,000
Rewards Type Points
Cash Advance APR (Variable APR) 24.99% - 26.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 14.99% - 26.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.99% - 26.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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