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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
Annual Fee $0
Purchase APR  (Variable APR) 15.74% - 27.74%
Balance Transfer APR  (Variable APR) 15.74% - 27.74%
Credit Score Range 700 - 850

Wells Fargo Propel American Express® Card Review

Wells Fargo Propel American Express® Card is a rewards credit card issued by Wells Fargo Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of Wells Fargo Propel American Express® Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Purchase Protection.
  • Travel Accident Insurance.
  • No foreign transaction fee.
  • Wells Fargo Propel American Express® Card reports to multiple credit bureaus.
  • You don't earn rewards on every purchase.
  • 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) 30000
    Signup Bonus Spend Requirement $3000
    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 30000 points signup bonus after spending $3000 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 15.74% up to 27.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 27.74%. It also has a variable cash advance APR that ranges from 25.74% up to 27.74%.

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

    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.

    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 Balance Transfers
    Description
    Balance Transfer APR 15.74% - 27.74%
    Introductory Rate 0%
    Intro APR period (months) 12
    Wells Fargo Propel American Express® Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 15.74% - 27.74%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 25.74% - 27.74%
    Security Deposit N/A
    Introductory Rate 0%
    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%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    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

    Airfare (Points) 3
    Car Rentals (Points) Starting at 3
    Gas (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.
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Paper Statement Fee $0
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $37
    Minimum Interest Charge $1
    Returned Payment Fee Up to $37
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • American Express
    Card Type
    • Balance Transfer
    • Bonus Offers
    • Rewards
    • Travel
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    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
    Emergency Support  
    Extended Warranty  
    Free FICO Score  
    Lost Luggage Insurance  
    Travel Insurance  
    Bonus Rewards 30,000 bonus points when you spend $3,000 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) 30,000
    Cash Advance APR (Variable APR) 25.74% - 27.74%
    Purchase APR (Variable APR) 15.74% - 27.74%
    Balance Computation average daily balance (including new purchases)
    Introductory Rate 0%
    Balance Transfer APR (Variable APR) 15.74% - 27.74%
    Intro APR period 12
    Introductory Rate 0%

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