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Wells Fargo Propel American Express Card review

Published: February 13, 2019

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Published: February 13, 2019

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Ratings Policy
Rewards Rating:
3.5 rating
3.5 rating
3.5 / 5
Rewards Value: 3.1
Annual Percentage Rate: 3.6
Rewards Flexibility: 4.3
Features: 3.0
Customer Experience 2.4

In a Nutshell:

The Wells Fargo Propel card is one of the best no-fee travel cards on the market, thanks to its 3x point bonus.

Learn more about this card

Rewards Rate

  • 3 points per dollar on dining, travel and transit, gas station purchases and select streaming services
  • 1 point per dollar on other purchases

Sign-up Bonus
30,000 points if you spend $3,000 in first 3 months

Annual Bonus

Annual Fee

Average Yearly Rewards Value ($1,325 monthly spend)

14.74-27.24% (variable)


  • Points don’t expire
  • No blackout dates
  • No limit to the number of points you can earn
  • Redeem points for any travel purchase at a value of 1 cent each
  • Use points on travel, gift cards, cash, merchandise and more
  • Transfer points to other Wells Fargo cards, including the Wells Fargo Visa Signature card, which offers a 50% travel redemption bonus


  • Flights must be redeemed through Go Far Rewards
  • Can’t transfer points to outside loyalty programs
  • Around 2,500 minimum points required for airline tickets

Customer Experience

Other Notable Features: No foreign transaction fees, travel and emergency assistance services, auto rental collision damage waiver, roadside assistance, lost luggage reimbursement, trip cancellation and interruption protection, lost or damaged cellphone reimbursement, extended warranty, return protection, retail protection, AmEx Offers, ticket presales, dining discounts, luxury hotel discounts and benefits, car rental discount, lowest available airfare, discounts on vacation packages, $300 credit on select cruises, $0 liability, free credit score access

The information related to the Wells Fargo Propel card has been collected by and has not been reviewed or provided by the issuer or provider of this product or service.

The Wells Fargo Propel card has returned and the latest version of the card is a major improvement over its previous iterations. With a 3x bonus points on certain types of purchases, the Wells Fargo Propel has gone from good to great – in fact, we think it’s one of the best travel cards you can find for no annual fee.

30,000-point sign-up bonus

The Wells Fargo Propel card is currently offering one of the largest sign-up bonuses that you can find on a no-annual-fee credit card. You get 30,000 points when you spend $3,000 on the card in the first three months – worth $300 in travel.

It’s a generous offer, but note, if you’re interested in collecting a large sign-up bonus, you can find even larger offers with premium cards, such as the Chase Sapphire Preferred and the Capital One Venture cards (and their fees are waived in the first year).

3x bonus points

The Wells Fargo Propel card is a simple, flexible travel card with some great travel features, but, really, the thing that makes it a standout card is its triple-point bonus on certain categories of purchases. You get three points per dollar on dining, travel and transit, gas station purchases and select streaming services and one point per dollar on everything else, with no limit on how many points you can earn.

It’s rare for a no-annual-fee card to offer triple bonus points without any spending limits – especially on categories where cardholders tend to allot a large portion of their spending. The result is much a higher-than-average rewards rate, making the Propel card – not just a great card for dining and travel purchases – but a good go-to card for cardholders who prefer sticking to a single card. (Especially if you pair it with the Wells Fargo Visa card – more on that below.)

Flexible redemption options

Though many travel cards come with airline and/or hotel restrictions, points earned with the Wells Fargo Propel American Express card are redeemable with any airline and with no blackout dates. Plus, cardholders can use a combination of points and their own funds to purchase flights. (However, you can only book travel through Wells Fargo’s Go Far Rewards program.)

Points can be redeemed across several other categories, too, including hotel stays, car rentals, cruises, merchandise, gift cards, cash back and more. Further, you can pool your own rewards with other Go Far Rewards customers and save them for joint trips or other purposes. Points value varies by category, so explore your options first to make sure you get the biggest bang for your buck. 

Pairing the Propel card with the Wells Fargo Visa Signature card

Another outstanding feature of the Wells Fargo Propel card is that its points can be transferred to other Wells Fargo cards. This makes the Propel card an especially great deal if you happen to own a Wells Fargo Visa Signature card – you can transfer your points to the Visa Signature card and redeem them for travel through the Wells Fargo Go Rewards site for a 50-percent redemption bonus. Essentially, the points that you earn with the Propel card are worth 50-percent more (1.5 cents per point) if you transfer them to the Visa Signature card and redeem them for travel.

Wells Fargo Propel benefits

The Wells Fargo Propel card offers good travel and purchase protections for a no-annual-fee card:

  • No foreign transaction fees – The card doesn’t charge a fee for making transactions outside the United States. This feature – usually reserved for premium travel cards – makes it a great choice for traveling abroad.
  • Travel accident insurance – You get up to $150,000 in insurance in case of accidental death or dismemberment on a trip purchased with the Propel card.
  • Roadside assistance – American Express offers free roadside assistance to its cardholders in case your vehicle breaks down on the side of the road (note, coverage doesn’t include the costs of repairs or towing).
  • Emergency assistance – The card offers a number of emergency services – including medical, legal and travel assistance – that may come in handy in case you’re traveling abroad.
  • Auto rental collision damage waiver – Up to $50,000 in rental car insurance to repair or replace a vehicle rented with the Wells Fargo Propel card. The coverage is secondary, which means you are only reimbursed for claims not covered by another policy.
  • Lost luggage insurance – Up to $1,000 in coverage per trip for lost luggage.
  • Return protection – If you try to return an item within 90 days of purchase and the retailer won’t accept it, the Propel card will reimburse you up to $300 per item, up to $1,000 per year.
  • Retail protection – In case an item that you purchase with the Propel card is damaged or stolen within 90 days of purchase, the card will cover up to $1,000 per loss, up to $50,000 in claims per year.
  • Extended warranty – Doubles the manufacturer’s warranty for up to 12 months on most items that you purchase with the Propel card.
  • Cellular telephone protection – In case a phone that you purchase with the Propel card is damaged or stolen, Wells Fargo will reimburse you up to $600 per claim, up to $1,200 per year.
  • Travel and entertainment benefits – Cardholders are also eligible for some great travel and entertainment benefits from American Express, such as ticket presales, discounts and perks at certain hotels, a 25 percent discount on car rentals and more.

Why get the Wells Fargo Propel card?

  • You want one of the best travel cards you can find for no annual fee.
  • You already own or are planning to sign up for the Wells Fargo Visa Signature card.
  • You prefer a travel card with simple redemption options to a more complicated rewards program that allows you to maximize the value of your points.

How to use the Wells Fargo Propel card:

  • If you don’t currently own a Wells Fargo Visa Signature card, consider signing up for one and then transferring your points from the Propel card to the Visa Signature card to take advantage of the Visa Signature card’s 50-percent travel redemption bonus.
  • Use the Propel card as your go-to card for dining, travel, gas station purchases and select streaming services to earn 3x points.
  • Use the card for both travel and regular purchases (including cellphone purchases) to take advantage of its travel and purchase protections.
  • Use the Propel card while traveling overseas to take advantage of no foreign transaction fees.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

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