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Is the Wells Fargo Propel Credit Card Worth It? Heck YES If You Like the 3% Categories, $300 Bonus, and NO Annual Fees

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Is the Wells Fargo Propel Credit Card Worth It? Heck YES If You Like the 3% Categories, $300 Bonus, and NO Annual Fees

Million Mile SecretsIs the Wells Fargo Propel Credit Card Worth It? Heck YES If You Like the 3% Categories, $300 Bonus, and NO Annual FeesMillion Mile Secrets Team

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There’s a lot to like about the Wells Fargo Propel American Express® card3X points (worth 3% cash back) in several cool categories, travel and purchase protections, and NO annual fee.  Plus, a sign-up bonus of 30,000 bonus points (worth $300 in cash back, travel, gift cards, or other rewards) after completing minimum spending requirements.

For non-bonus categories, you’ll earn 1 point per $1 spent (1% cash back).  This card is best for folks who prefer cash back rewards, as opposed to miles or points for award travel.

Or those looking for built-in cell phone insurance!  If you like all of the above, the Wells Fargo Propel American Express card is worth it!

Is the Wells Fargo Propel American Express Worth It?  If You Like to Travel, Dine, and Stream Movies, You’ll Earn 3% Cash Back From Those Purchases, and Pay NO Annual Fee

So does the Wells Fargo Propel AMEX deserve a spot in your wallet?

Is the Wells Fargo Propel American Express card Worth It?

Apply Here:   Wells Fargo Propel American Express® card

Read our review of the Wells Fargo Propel American Express card

With the Wells Fargo Propel AMEX, you’ll earn 30,000 bonus points (worth $300 in cash back, travel, gift cards, or other rewards) after spending $3,000 on purchases within the first 3 months of card opening.

And you’ll earn:

  • 3 points per $1 spent on travel purchases (flights, hotels, homestays, and car rentals)
  • 3 points per $1 spent on eating out and ordering in
  • 3 points per $1 spent on gas stations, rideshares, and transit
  • 3 points per $1 spent on eligible streaming services, like Apple Music, Hulu, and Netflix
  • 1 point per $1 for all other purchases
Earn 3% Cash Back in Several Lifestyle-Focused Categories, Including Streaming Services, Dining, Travel, and Transit

How cool is that?  For most folks with an active lifestyle, these categories represent the bulk of daily spending.

Because you can earn 3% cash back on most travel, and getting around town (public transport, rideshares, and at gas stations).  When it’s time to chill, you’ll also earn 3% cash back on eating out or ordering delivery, and on most streaming music and movie services.

And you’ll get:

  • Built-in cell phone insurance when you use the card to pay your monthly cell phone bill
  • Purchase & return protection
  • Extended warranty
  • Lost or damaged luggage reimbursement
  • Wells Fargo Propel Amex Offers and presale access

Plus, the card has NO annual fee, so it’s free to keep forever.  And really, there’s not much down side here.

I recommend having at least one card without an annual fee to increase the overall age of all your credit accounts – which could boost your credit score down the road.

Here’s our full review of the Wells Fargo Propel AMEX with more details.

Should You Apply for the Wells Fargo Propel AMEX?

As appealing as this card is because of no annual fees and a welcome bonus worth $300, it’s not the best option for miles & points beginners.

We recommend scooping up the Chase cards you want first, because they have the strictest rules.  And opening this card will count against your Chase 5/24 status.  Afterward, you can move on to other banks, including Wells Fargo.

This approach works if you’re ultimately looking to earn rewards for cheap travel.  Because miles & points can be extremely valuable when you redeem for award trips.  Everyone on the MMS team has had several “trips of a lifetime” thanks to this strategy.

If You Like Cash Rewards and the Bonus Categories, I Say Go for It!

That said, if you prefer earning cash back and prefer easy, predictable rewards, the Wells Fargo Propel AMEX has everything we look for in a card:  A strong welcome offer, excellent bonus categories, and useful ongoing benefits.

The only word of caution:  Wells Fargo is a conservative bank and usually wants you to have a prior banking relationship with them before opening their credit cards.  And while they’ve agreed to be more lenient with this card, you might have a hard time gaining approval if you’ve opened lots of other new cards recently.

But if it’s been a while, and you want to try out this card for everyday spending, definitely submit an application!

Bottom Line

The Wells Fargo Propel AMEX is a worthwhile card if you like the:

  • Welcome offer worth $300 after meeting minimum spending requirements
  • Excellent 3% cash back categories, including dining, streaming services, transportation, and travel
  • Ongoing perks, like cell phone insurance and purchase protection
  • Annual fee, which is $0

We at MMS tend to prefer cards that earn miles & points for award travel.  But if you like to earn cash instead, the Wells Fargo Propel AMEX is a solid card worth opening, using regularly, and keeping for the long haul.

What do you think of this card?  Are you considering it?

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

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Got card for trip to Amsterdam/Paris, was accepted for hotel in Amsterdam and that was it, was not accepted anywhere in France and nowhere else in Amsterdam. It was worthless.

The credit card polices of Wells Fargo are terrible. I was approved for this card with a $2500.00 limit. I traveled to Aruba and was excited to use this travel card. I made a few purchases with no problems however on my 6th purchase in a grocery upon check out the card was declined. I called customer service and they said that I had too many foreign transaction purchasers and put a 1000.00 hold on the card. I still had a 1000.00 of credit left to use , but Wells Fargo refused to release the funds no matter who I talked to and after i verified my identity. I was in my bathing suit, with flip flops on, in a foreign country, 6 miles from my hotel in the check outline of a grocery store and they would not approve a $122.39 charge. Thank God this was not a life or death emergency, because Wells Fargo will not be there for you when you need them. A good credit card is suppose to be there to assist you, not leave you stranded. Needless to say I canceled the card at the checkout line. Do yourself a favor and forget about applying for this card. This card sucks.

Ouch. This is unfortunate. Yes sometimes with fraud alerts even legitimate purchases get flagged.

I’m thinking what may have happened is that they flagged it because it was a brand new credit card and they got spooked from seeing so many foreign transactions so quickly?

FRAUD ALERT:
Please look at Wells Fargo recent coverage in the news for their defrauding of customers by signing them up for unneeded auto insurance.

The Uber Visa from Barclays Bank is way better IMHO.

4% on dining
3% on travel
2% on streaming services
1% on everything else

NO annual fee, ever.
Cell phone insurance (up to $600.00 per claim with only a $25.00 deductible)
$100.00 signup bonus
$50.00 streaming credit after spending $5k each year.

It doesn’t have the $300.00 bonus, or 3% on transit like this card does, but most folks spend way more on dining each year than transit. Plus, the $50.00 streaming credit more than makes up for that.

I agree that the Uber Visa card is better. Also, Visa is accepted at more places than American Express. The Uber Visa card also has 0% foreign transaction fees, and is a chip & PIN card to use for additional security in countries & places that take chip & PIN.

Julie is wrong. This is a zero fee card.

Amazing benefits for a zero fee card.

I think they are trying harder to get past the scandals.

Also, the cell phone insurance covers theft and accidental damage.

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