So if you have this card, then you can pool your points and use it for higher value for airfare. Using this combination, your standard 3x bonus categories with the Propel can multiply to 4.5x points or even as high as 5.25x points, depending on your spending patterns. The lack of an annual fee makes it perfect for beginners who aren’t ready to commit to an expensive premium card or who may not feel as comfortable redeeming transferable points. You can earn bonus points when shopping at partner retailers - sometimes as high as over 10%. That’s virtually an unprecedented return for a pair of cards with no annual fees. Wells Fargo Propel American Express Card benefits and perks. This last category (popular streaming services) is especially interesting. With its simple yet rewarding bonus categories (including two spending areas you won’t find on many other cards) and cellphone protection, the Wells Fargo Propel American Express Card offers solid value. “Travel” means more than just flights booked directly with an airline, and “dining” includes restaurants but also fast food outlets and “drinking places.” The fact that all the bonus categories are the same uncapped 3x points means the Propel card can function as a one-stop option for many people by offering a competitive rewards structure without requiring too much work or any annual cost. Follow us on Twitter and Facebook for our latest posts. You get 3x points in many popular categories, making it a great, well-rounded card. The Wells Fargo Propel card has a lot of great benefits for a no annual fee card. The Propel Amex does a great job of supplementing standard bonus categories with some new and exciting ones. Go Far Rewards is Wells Fargo's reward program. Chase Sapphire Reserve. Wells Fargo Propel American Express offers introductory 0% APR offer and even cell phone protection, though rewards can’t be redeemed continuously. But the real highlight of this card is the bonus categories. Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Editorial Note: This content is not provided by Wells Fargo. Chase Sapphire Preferred is one of the most popular travel reward cards. This card has something for just about everyone. Terms apply to the offers listed on this page. You’ll earn 3x bonus points on travel (flights, hotels, taxis, ride-hailing and car rentals among others), dining (which Wells Fargo defines as “eating out and ordering in”), gas stations and popular streaming services. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. *See the card issuer's online application for details about terms and conditions. Wells Fargo Propel Review. I This site does not include all credit card companies or all available credit card offers. A no-annual-fee card won’t come with lots of perks and benefits, but the Propel Amex has a standout in its cellphone protection, also available on several other Wells Fargo cards. (Depends on your creditworthiness though.) How to Get the Most Out of the Propel Card, Rapid Alerts that instantly notifies you of any suspicious or unusual activity, Zero liability protection if you report unauthorized transactions right away, Chip-enabled cards to help deter fraud at the register, Hotels, motels, timeshares, and homestays (like Airbnb). UponArriving has partnered with CardRatings for … Wells Fargo Propel is a metal card with no annual fee. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Wells Fargo. For an explanation of our Advertising Policy, visit this page. Furthermore, you are only allowed to qualify for a Wells Fargo credit card once every 6 months. Those cards are good for people who are highly organized and like to plan out and track their card spending each month. The Wells Fargo Propel does not charge an annual fee (the Propel 365 is $45 annually after the first year). This rule applies to the Propel Amex, meaning some people won’t be able to earn the bonus. 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. Tamara Holmes | August 22, 2019. 1:1 point transfer to leading airline and hotel loyalty programs, Earn 3X points on eating out and ordering in. WELLS FARGO PROPEL POINTS. Earn 20K bonus points when you spend $3,000 in the first 3 months. 5% fees for balance transfer and cash advance high. Citi also added the ability to convert these rewards into transferable ThankYou Points, giving this card a huge leg up. Wells Fargo Propel: Wallet-Friendly Features of the Wells Fargo Propel American Express® Card. Wells Fargo recently refreshed the Propel credit card to add more benefits. (The information for the Wells Fargo Visa Signature Card has been collected independently by ThePointsGuy. Every credit card has its perks. So far, Amex has taken the lead in offering millennial-friendly perks such as Uber credits and SoulCycle benefits, but only on credit cards that cost a pretty penny every year. Right off the bat, new cardholders can accumulate 20,000 bonus points for spending $1,000 in net purchases (purchases minus returns/credits) during their first three months as cardholders. Editorial Note: This content is not provided by Chase. Disclaimer: The information for the Wells Fargo Propel American Express® card has been collected independently by CreditDonkey. Il programma di premi è abbastanza generoso, e un bonus relazionale addolcisce ulteriormente l'affare per gli spesi da moderati a pesanti. But if your spending is very varied, you may appreciate just a straightforward 1.5% back on everything. The Propel Amex has no annual fee and offers bonus points on a number of popular streaming services (including 12 new additions to their previously sparse list) such as Apple subscription services, Disney+, HBO Now, Headspace, Amazon Music Unlimited, Audible Netflix, Spotify Premium, Hulu and more. Related reading: The best Wells Fargo credit cards of 2020. This means that although you don’t have the ability to score better-than-average redemptions (at least not with this card alone), you also don’t need to agonize over award charts, award availability or always getting the best redemption value. The card details on this page have not been reviewed or provided by the card issuer.). When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website. With more credit cards moving in the premium direction, there’s even more value today in a good card … Wells Fargo Propel has had an exciting revamp. CreditDonkey does not include all companies or all offers that may be available in the marketplace. An applicant’s Wells Fargo Propel approval odds are best if they have a credit score of at least 700, which is the start of the good credit range. Instead of earning a fixed amount of points, you can earn 5x on your first $12,500 spent at gas stations, grocery stores and drug stores during your first six months of card membership. Editor’s note: This post has been updated with the latest credit card information. Our Rating: 4 Out of 5 Stars We give the Wells Fargo Propel American Express® card 4 out of 5 Stars for being a solid rewards card with interesting bonus categories that include streaming services. Editorial Note: This content is not provided by Bank of America. Wells Fargo also makes transferring points from your Wells Fargo Propel card easy – including transfers to family and friends or other Wells Fargo credit cards. Read on for the pros and cons. It has a generous welcome offer, a long intro APR period on balance transfers and purchases, a cell phone protection program and a whole lot of security and protection features — all without … Specifically, the Wells Fargo Visa Signature Card lets you redeem for airfare via its portal at a rate of 1.5 cents per point, and this jumps to 1.75 cents per point if you spend $50,000 a year or more on the Wells Fargo Visa Signature. All their reward-based credit cards earn Go Far Rewards. Wells Fargo appears to be counting this 5x as a welcome bonus, so if you want to earn the bonus on both the Wells Fargo Propel and Wells Fargo Visa Signature you’ll have to wait 15 months in between. Previously, it was difficult for a customer without an established banking relationship with Wells Fargo to get approved for a Propel card. CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. This page includes information about the Discover it Cash Back card that is not currently available on The Points Guy and may be out of date. More on that in a moment. Reasonable efforts are made to maintain accurate information. They both offer 1% cash back on all other purchases. Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. The Wells Fargo Visa Signature card allows you to use the points for 50% more value when redeeming for airfare on the Wells Fargo travel portal (10,000 points = $150). We may receive compensation when you click on links to those products. bonus categories on Chase and Discover’s offerings. The card details on this page have not been reviewed or provided by the card issuer. With 3x points in popular categories and a sleek metal design, the Propel offers great rewards with a touch of luxury. Check out everything this card has to offer in our review. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. When you pay your monthly bill with the Propel, you can get up to $600 in protection (subject to a $25 deductible) against covered damage or theft. The earn potential isn't as great as the Propel. The Wells Fargo Visa Signature has no sign-up bonus, so you can apply for it 6 months later and won't miss out on any bonuses. The following are eligible for 3x points: Eating out and ordering in from these places are eligible for 3x points: Bakeries, grocery stores, and other places that don't serve food aren't considered eating places. Editorial Note: This content is not provided by the card issuer. Get the Wells Fargo Propel American Express® card card today. Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. We may receive compensation if you shop through links in our content. The Wells Fargo Propel card is a much-needed breath of fresh air and simplicity in the increasingly complex world of loyalty programs and credit cards. Please visit the product website for details. See, The best Wells Fargo credit cards of 2020, the right one-two combo of Wells Fargo credit cards, one Wells Fargo welcome offer every 15 months, speculated about the one card missing from Chase’s lineup, adding Lyft and DoorDash benefits to the Chase Sapphire Reserve, The critical points: A Wells Fargo Card duo is better than the Chase Sapphire Reserve. The Wells Fargo Propel American Express® card is the newest member of the Wells Fargo credit card family. Could this card be the perfect no-annual-fee card? The Wells Fargo Propel American Express® Card also comes with 20k bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. Other major factors affecting the odds of approval for the Wells Fargo Propel card include the applicant’s income, how much debt they have, and whether they’ve applied for other credit recently. If you want to do this, make sure you apply to the Propel first, so you can receive the welcome bonus. The card details on this page have not been reviewed or provided by the card issuer. Featured photo courtesy of Mint Images via Getty Images. The card has a historic high signup bonus worth $300, and if you have right two-card setup from Wells Fargo, it could be worth $450. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America. It has high reward potential with 3x points in popular categories not often offered by other cards. And since you can pool your Go Far Rewards between Wells Fargo cards, you have the ability to earn a higher value from your points. The key when you’re comparing other credit cards to the Wells Fargo Propel Amex card is that there’s no annual fee on this card. La carta Wells Fargo Propel American Express® è una carta di credito pratica, non annuale, con un sistema di premi basato su punti che favorisce la spesa nei distributori di benzina e nei ristoranti. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. In the past, Wells Fargo wanted you to have a banking relationship already established before you opened their credit cards. But even if you’re not eligible, it still might be worth applying to get those bonus categories with no annual fee. Wells Fargo Propel review Who is this card for? Alaska will change how you earn miles starting on March 31 — here’s what we know so far, Orient-Express debuts new, dream-worthy European routes aboard gorgeous Art Deco trains, Blue Cash Preferred® Card from American Express. CreditDonkey is a credit card comparison and reviews website. I would like to subscribe to The Points Guy newsletters and special email promotions. These cards, in tandem, offer some of the most valuable bonus categories on the market. Wells Fargo Propel American Express Card is one of the best cash back credit cards on the market. Wells Fargo Cash Wise Visa. Please view our advertising policy page for more information. The ease of redeeming your Go Far Rewards for cash back (or air travel) is great for anyone who doesn’t want to put too much time or effort into dealing with credit card rewards. Maximum APR 26.99% is a little bit high. This site may be compensated through the Advertiser's affiliate programs. You can also redeem for statement credit (in increments of 2,500 points for $25), for travel, gift cards, and more. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer. Disclaimer: The information for the Capital One Venture Rewards Credit Card has been collected independently by CreditDonkey. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. Wells Fargo Propel Card Review. For a no-annual-fee card, the rewards are very generous. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. Your Go Far Rewards points, the Propel rewards currency, are worth a fixed 1 cent each. The other two cards you might look at in comparison to the Propel Amex are the Chase Freedom (No longer open to new applicants) and the Discover it Cash Back, both of which have rotating sets of 5% capped quarterly categories (after enrollment, on up to $1,500 in purchases per quarter). And if you have the right one-two combo of Wells Fargo credit cards, you might be able to even get 50% more value out of this bonus, bringing your haul up to $300. Sign up for our daily newsletter and check out our updated beginner’s guide. The Propel also comes with standard purchase and travel protections, including extended warranty coverage, return protection, coverage for lost or stolen items purchased with the card, travel accident insurance, lost baggage coverage and secondary car rental insurance in the U.S. Wells Fargo Propel AmEx Review: No Fee, So Much Value It may not have a lot of fancy perks, but no other card lets you rack up such rich rewards on such a … 20,000 bonus points isn’t a bad welcome bonus for a card with a $0 annual fee. The latter two are especially interesting because you won’t find them on most other credit cards (especially ones with no annual fee) and you’ll reap rewards on them every month. Wells Fargo Propel American Express® Card offers a large bonus promotion, 3x bonus categories, and has no annual fee. Sapphire Reserve is the luxury sibling of the Preferred and has a $550 annual fee. For example, 60,000 points are worth $750 toward travel. However, Wells Fargo does allow you to pool points with their other cards. Read more about Go Far Rewards and the options below. In fact, when we speculated about the one card missing from Chase’s lineup, millennial-friendly perks ranked high on our wish list (although Chase has moved to address that by adding Lyft and DoorDash benefits to the Chase Sapphire Reserve). 2021 Review, Application & Rates " The Wells Fargo Propel American Express® Card is, in our opinion, the best card offer from Wells Fargo. Finally, especially during COVID-19, Wells Fargo Rewards has been dropping silent offers (activation required) where the first purchase of the listed category is 10% cash back up to $40. Credit Cards with No Foreign Transaction Fee. The Points Guy will not sell your email. Wells Fargo does not endorse and is not responsible for their content, links, privacy, or security policies. Opens in a new window. Another positive here are the broad definitions given to these bonus categories. The information for the Chase Freedom and Discover it Cash Back has been collected independently by The Points Guy. From 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit. 9. †Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. See important exclusions below (on page 2 if … The Wells Fargo Propel American Express Card stands out among other cash-back credit cards with no annual fee, bonus points for new cardholders, and awards cash back on popular categories including flights, dining, and streaming services.Use this card to rack up unlimited rewards for all your spending, plus the redemption options are easy to use and understand. ALL RIGHTS RESERVED. It has no annual fee and you redeem your rewards as cash back, letting you do as you please with them. The no-annual-fee Wells Fargo Propel American Express® card offers solid earning rates, especially in millennial-friendly bonus categories such as streaming services, dining and travel. Editorial Note: This content is not provided by Capital One. If you value these perks, you may still think the Reserve is worth it despite the annual fee. Wells Fargo Propel American Express ® Card Terms and Conditions. It’s a simple and straightforward card, but it doesn’t offer any bonus categories like the Propel Amex. When you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card, you'll get up to $600 of protection (subject to $25 deductible) against covered damage or theft. Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. One is the Citi® Double Cash Card, which offers a fixed 2% return on all purchases — 1% when you purchase and 1% when you pay. You can only earn one Wells Fargo welcome offer every 15 months across all products, and you can only get one Wells Fargo card every six months, even when you forgo the bonus. If you pay for (or desire) cell phone protection for absolutely free, this is the card you want in your wallet. Wells Fargo Propel: Pricing information including interest rates, benefits and fees was obtained on May 20, 2020 from published websites and is believed to be accurate, but not guaranteed. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. New to The Points Guy? The card details on this page have not been reviewed or provided by the card issuer. It also has no foreign transaction fee and an intro APR. One unique feature is that you can redeem rewards for cold, hard cash at Wells Fargo ATMs. Points can be transferred 1:1 to airline and hotel partners. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The card details on this page have not been reviewed or provided by the card issuer. To get the most out of a credit card, you simply have to make sure the card’s perks align with your habits and preferences. The no-annual-fee Wells Fargo Propel American Express® card offers solid earning rates, especially in millennial-friendly bonus categories such as streaming services, dining and travel. Wells Fargo has a reward-heavy credit card without an annual fee. Card Rating*: ⭐⭐⭐½. The card details on this page have not been reviewed or provided by the card issuer. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Does it live up to the hype? Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. © 2021 THE POINTS GUY, LLC. The main draw of this card is the luxury travel perks. With more credit cards moving in the premium direction, there’s even more value today in a good card that has no annual fee. Now it’s available to customers and non-customers alike. This post contains references to products from one or more of our advertisers. The no-annual-fee Wells Fargo Propel American Express® card offers solid cash-back earning rates, especially in millennial-friendly bonus categories such as streaming services, dining and travel. Wells Fargo Propel American Express® Card is not good for those who want to have credit card with bad credits. Related reading: Best no-annual-fee credit cards. For example, right now I'm refraining from going to the grocery so I can do a $400 purchase of groceries I would normally get (usually I spend $200/month). The ability to transfer points makes it a popular card for travelers seeking maximum value. In combination with another no-annual-fee Wells Fargo credit card, the bank’s Wells Fargo Visa Signature® card, the Propel can make these categories some of the most valuable on the market. Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value Counterpoint: If you spend mostly on groceries and gas, check out these credit cards instead. We publish data-driven analysis to help you save money & make savvy decisions. Keep reading for the full list of what's eligible for 3x points. Write to Anna G at feedback@creditdonkey.com. If you spend a lot on the rewards categories, it won’t take long to rack up points with this card. However, all information is presented without warranty. You do not have to use our links, but you help support CreditDonkey if you do. So it doesn't hurt to have both cards in your wallet. 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