Wells Fargo Propel Credit Card Review

The Wells Fargo Propel card is an amazing card for no annual fee. You earn 3x points on a lot of categories including gas, travel, streaming, dining, and rideshare.

Plus, the Propel card has a lot of benefits including cell phone protection, purchase protection, and secondary rental car insurance. 

Deals Points Card Rating:
5/5

Wells Fargo Propel Card Information

Application Link: Wells Fargo Propel American Express Card.

Current Sign Up Bonus: 20,000 points with a 12 month 0% intro APR on purchases and balance transfers.

Recommended Bonus: At least 30,000 points.

Annual Fee: No Annual Fee.

Earning Rewards:

  • 3x points on dining.
  • 3x points on gas stations.
  • 3x points on rideshares (Uber and Lyft).
  • 3x points on transit.
  • 3x points on travel including flights, hotels, homestays, and car rentals.
  • 3x on eligible streaming services.
  • 1x points everywhere else.

Redeeming Rewards: One point equals one cent, so 20,000 points equals $200. You can redeem your points for travel, gift cards, charity donation, or cash back. 

You can also get a 50% increase in your points when redeeming for travel if you also have the Wells Fargo Visa Signature card that has no annual fee. 

Propel Card Benefits

The Wells Fargo Propel card has a lot of great benefits for a no annual fee card. You can find the full details of each benefit in this guide to benefits.

Cell Phone Protection– Your cellphone is covered by insurance for $600 per claim and $1,200 per 12-month period with a $50 deductible when you pay your cell phone bill with your Propel card. 

Purchase Protection– This benefit covers eligible damaged or stolen items within 90 days from the date of purchase.

No Foreign Transaction Fees– You can use your Propel card anywhere in the world without having to pay foreign transaction fees.

Extended Warranty– You can get an extra year on your original manufacturer’s warranty of one year or less.

Return Protection– If a merchant won’t take back an eligible item within 90 days of purchase, this card will cover up to $300 per item up to $1,000 per year. 

Luggage Protection– If your baggage is lost or stolen, you can seek reimbursement up to $1,000 per trip. 

Secondary Rental Car Insurance– This coverage will pay for any amounts not covered by your insurance when you pay for your rental car with the Propel card.

Frequently Asked Questions

  • Apple Music®
  • Apple News+
  • Apple TV+
  • Amazon Music Unlimited
  • Audible
  • ESPN+
  • Disney+
  • fuboTV
  • HBO Now
  • Headspace, Inc.
  • Hulu
  • Kindle Unlimited
  • Netflix
  • NHL.TV
  • Pandora®
  • Prime Video
  • Sirius XM Radio Inc.
  • Spotify Premium

Travel includes: airline, passenger railway, hotel and motel, timeshares, vehicle and auto rentals, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, taxis, limousines, ferries, toll bridges and highways, parking lots, and garages.

Sign up for our Daily Points newsletter