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

Review: Wells Fargo Propel 365 American Express® Card

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Updated February 19th, 2019
Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
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.
$150 cash back after spending $500 on purchases in the first 3 months
5% cash back in quarterly rotating categories on up to $1,500 in combined purchases for each quarter you activate, then 1% after that and on all other purchases
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
Earn $150 cash back after spending $500 on purchases in the first 3 months from account opening
Earn 1.5% unlimited cash back for each dollar spent
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
$150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
Earn 3% at US supermarkets on up to $6,000 per year, then 1%. Earn 2% at US gas stations and US department stores. Earn 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
$200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
Earn 6% cash back at US supermarkets on up to $6,000 per year in purchases and 1% after that. Earn 3% cash back at US gas stations and select US department stores and 1% on all other purchases
$95
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$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
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
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x points at US restaurants, US supermarkets and US gas stations and 3x points 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
75,000 points after spending $1,000 in the first 3 months
7x points on direct purchases within the Hilton Honors portfolio. 5x points at US restaurants, US supermarkets and US gas stations. 3x points 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
Earn a $150 cash rewards intro bonus after spending $2,500 in the first 3 months. 10% Anniversary Bonus on all Cash Rewards earned once a year.
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
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
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 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. Rates & Fees
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 and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 1x points when redeemed for airfare through the Luxury rewards program.
Earn $150 statement credit after you spend $1,200 on purchases within the first 90 days from account opening
Earn 1x rewards points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
$0
Earn $150 in statement credit after you spend $1,200 on purchases within the first 90 days from account opening.
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card
$0
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$0
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$0 to $99
Get 1% cash back rewards on eligible purchases.
$0 to $99
Seeing if you pre-qualify is fast, easy, and secure.
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.

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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

Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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