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  Wells Fargo Propel American Express® Card

Wells Fargo Propel American Express® Card

in Personal Credit Cards from Wells Fargo Bank

Unaffiliated

Wells Fargo Propel American Express® Card

Unaffiliated

in Personal Credit Cards from Wells Fargo Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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

Wells Fargo Propel American Express® Card Review

This is a rewards credit card issued by Wells Fargo Bank. If you're wondering whether Wells Fargo Propel card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 reward 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry 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, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Wells Fargo Propel card
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.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Wells Fargo Propel American Express® Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges a 3% balance transfer fee.
Wells Fargo Propel card FAQ

Does Wells Fargo Propel card have a cash back or rewards program?

Wells Fargo Propel card is a travel rewards card.

Wells Fargo Propel card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 20000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does Wells Fargo Propel card have a signup bonus?

This 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 card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Wells Fargo Propel card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone Protection
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Wells Fargo Propel card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 card have an intro APR offer on balance transfers?

Yes, it offers an intro 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 Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.99% - 26.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Wells Fargo Propel card have an intro APR offer on new purchases?

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

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

What are the fees for Wells Fargo Propel card?

The following fees apply:

Wells Fargo Propel card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $37
Late Payment Fee up to $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Wells Fargo Propel card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Wells Fargo Propel card?

The Wells Fargo Propel card customer service number is (800) 877-4833.

What is the support contact email for Wells Fargo Propel card?

The support contact email for Wells Fargo Propel card is corporateresponsibility@wellsfargo.com.

How do people rate the customer service and user experience of Wells Fargo Propel card?

Overall, Wells Fargo Propel card is strongly recommended based on community reviews that rate customer service and user experience.

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

Yes, 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 may help improve your credit.

How to apply for Wells Fargo Propel card

  • Visit the Wells Fargo Propel 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Wells Fargo Bank

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View all personal credit cards offered by Wells Fargo Bank

Availability

  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

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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
  • Free Credit Score
  • Travel Assistance
No Reward Expiration Period
Rewards Categories
  • 3x Points on Airfare
  • 3x Points on Car Rentals
  • 3x Points on Internet / Cable / Phone Services
  • 3x Points on Gas
  • 3x Points on Home Improvement Purchases
  • 3x Points on Hotels
  • 3x Points on Restaurants
  • 1x Point on Every Purchase
Signup Bonus (points) 20,000
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%
Card Type
  • Balance Transfer
  • Bonus Offers
  • Rewards
  • Travel
  • Zero Percent
Card Network American Express

Wells Fargo Propel American Express® Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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