Wells Fargo Propel 365 American Express Card review | finder.com

Review: Wells Fargo Propel 365 American Express® Card

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Updated May 21st, 2019
Name Product Welcome Offer Rewards Annual Fee
$150 statement credit after spending $1,000 in the first 3 months
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$150 after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash back on your purchases
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
$150 cash back after spending $500 in the first 3 months
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
N/A
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
$0 to $99
Get 1% cash back rewards on eligible purchases.
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & fees
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries and airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
30,000 miles after spending $1,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees
40,000 miles after spending $2,000 in the first 3 months
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
$250 statement credit after spending $1,000 in the first 3 months
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore
$0 to $99
Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees

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The basics

The Propel 365 American Express Card from Wells Fargo is a tiered rewards card much like the Chase Sapphire Reserve® and the Virgin Atlantic World Elite Mastercard®.

This card gives you the opportunity to earn up to 1x points with the added bonus of 20,000 points when you spend $3,000 in the first 3 months. If you have a relationship with Wells Fargo, you could qualify for a bonus of up to 50% on the points you earn.

The first year you have the card you won’t pay an APR or an annual fee. You’ll never pay foreign transaction fees when you use this card outside of the US.

Editorial reviews

Review Site Reviewer Star Rating
ValuePenguin Robert Harrow 87%

User reviews

Review Site Star Rating Review Count
NerdWallet 3.3/5 3 reviews
Credit Karma 4/5 5 reviews

The perks

  • Signup bonus. You’ll need to spend $3,000 on purchases in the first 3 months to receive a signup bonus of 20,000 points.
  • Relationship bonus. 10% bonus points for having a Wells Fargo consumer checking or savings account, 25% bonus points for a primary checking account within your Portfolio by Wells Fargo program, 50% bonus for having more than $250,000 in your account or if you’re a Wells Fargo Private Bank customer.
  • Earning points. Spending on gas in the US will get you 3x points and 2x points at US restaurants. All other purchases come with 1x points.
  • Redeeming points. Redeem points for airline tickets with no travel restrictions or blackout dates. You can also redeem them for car rentals, hotels, cruises, online auctions, merchandise, gift cards or simply get cash back.
  • Intro APR offer. You’ll pay no interest on purchases and balance transfers for the first year.

You’ll also like…

  • Annual fee waiver. No annual fee for the first year, but you’ll pay $45 per year going forward.
  • No foreign transaction fees. You won’t pay to use your card overseas.
  • Travel benefits. Get access to exclusive American Express offers and travel experiences including low airfares; discounted rates on cruises, car rentals, and hotels; up to $100 off on qualifying air and hotel packages; and 24/7 access to a complimentary concierge service.
  • Travel protection. You’ll get roadside assistance, auto rental collision and liability insurance, travel accident insurance, lost luggage reimbursement, emergency cash advances as well as 24/7 travel and emergency assistance.
  • Security. You’ll get added security with this chip enabled card because it offers retail protection, return protection and an extended warranty.

What to watch out for

  • End of intro APR. The intro 0% APR offer ends after your first year as a cardholder. From that point on you’ll start paying interest toward all outstanding balances.
  • Balance transfer fees. While the balance transfer fee for the first 12 months is 3% of the balances transferred, it might increase to up to 5%.
  • Other fees. The bank will charge up to $37 for late or returned payment. You’ll also pay fees for cash advances and overdraft protection advances.

Consider other cards if …

What to know before you apply

Consider applying for the Wells Fargo Propel 365 American Express® Card if you’re:

  • At least 18 years old.
  • A resident of the US.

Information you’ll need

In order to qualify, you’ll need to provide the following information:

  • Full name, personal contact information and Social Security number.
  • Housing status and monthly rent or mortgage payments.
  • Employment status and gross annual income from all sources.

What credit score do I need?

You have a better chance of application approval with a credit score of 680 or higher.

How to apply for the card

1. On the Wells Fargo Propel 365 American Express® Card website, click Apply Now.

Wells Fargo Propel 365 American Express Card step 1

2. Existing Wells Fargo customers can login to quicken the process. Others simply need to click Continue.

Wells Fargo Propel 365 American Express Card step 2

3. Provide the required information, verify if it’s correct, and click Submit.

Wells Fargo Propel 365 American Express Card step 3a

Wells Fargo Propel 365 American Express Card step 3b

Wells Fargo Propel 365 American Express Card step 3c

Wells Fargo Propel 365 American Express Card step 3d

How long will it take to be approved?

You’ll find out about your application’s conditional approval soon after you submit it online.

I got the card. Now what?

  • Make timely payments. Register your account online with Wells Fargo to monitor your spending and make payments.
  • Avoid interest. Make use of the 25-day grace period after each billing cycle to avoid paying interest on purchases.
  • Avoid unnecessary fees. Ensure that there are adequate funds in your bank account when making payments to avoid stiff late fees and bounced-payment penalties.
  • Customer service. call 1-800-642-4720. Or contact the bank via Twitter @WellsFargo or Facebook @wellsfargo.

Bottom line

This card has some solid travel perks, along with the points program — especially if you’re a Wells Fargo customer. Before you decide on a travel credit card, it’s best to compare a number of travel cards.

Common questions about Wells Fargo Propel 365 American Express® Card

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