Wells Fargo Propel American Express® Card Fees and rates
Annual Percentage Rate (APR)
Wells Fargo Propel American Express® Card with Sign Up Bonus 20K Points Reward Program
Earn 3x points on:
- Eating out and ordering in.
- Gas, rideshares, and transit.
- Flights, hotels, homestays, and car rentals.
- Popular streaming services.
Earn 1x points on other purchases.
Redeem Go Far Rewards® the way you choose:
- Points don’t expire as long as your account remains open.
- Redeem points for travel, cash redemption options, gift cards, and more.
- Gift card redemption options currently as low as 2,500 points for a $25 gift card.
- No blackout dates on air travel when redeemed through Go Far Rewards – and you can use a combination of points and a payment card.
- Redemption amounts and offers subject to change without notice.
No Overlimit Fee
No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.
Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.
No Penalty APR
This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.
Overdraft Protection. Are you worried that you may spend more than your limit on your credit card? If you sign up for overdraft protection, you’ll be fine. All you have to do is link your credit card to your checking account. The excess amount will be drawn from there, and your transaction will be approved.
Cell Phone Protection
Cell Phone Protection. It’s purchase protection specifically for your phone, protecting against damage and theft. To be eligible, the phone must have been purchased using an eligible card.
Extended Warranty Insurance
Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.
Lost or Stolen Baggage Insurance
Lost or Stolen Baggage Insurance. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.
Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.
Rental Car Insurance
Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.
Have you ever had that thing you bought break just outside the warranty period? With Return Protection, you have a longer warranty period to make sure it worked, or decide if you like it.
Travel Accident Insurance
Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.
Emergency Cash Advance
Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.
The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.
Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.
Presale Tickets. Tickets for that band that you love are going on sale next Friday. This credit card allows you to purchase your tickets before the general public.
Sign Up Benefits
Promo Rate. This credit card comes with a promotional “promo” rate, which is usually significantly lower than your regular interest rate. This is only valid for the first few months after you open the credit card, then the regular rate applies.
Let’s say your credit card has an introductory rate of 0% APR for 15 months. When that expires, you pay the regular interest rate (22.49%). To maximize your promotional rate benefit, your balance should be paid off before the end of the introductory period. Failure to do so will mean that the interest rate on the remainder of your balance will skyrocket.
Once approved for this credit card, you may get Welcome Points that you can use for other benefits. These include travel, high-end merchandise, discounts, or bill credits. Each card has different requirements for using the points.
0 Intro APR for Purchases
Zero Introductory APR for Purchases. With this credit card, you won’t have to pay interest on purchases within the specified period of time. After this period the usual APR applies.
0 Intro APR for Balance Transfers
Zero Introductory APR for Balance Transfers. With this credit card, the APR for the balance(s) you transfer will be 0% for the limited time-frame. After this promotional period ends, the regular interest rate applies.
For example, a credit card has an introductory offer of 0% APR for 12 months on balance transfers. The regular interest rate is 18.99%. You must transfer your balances completely to the new card by the 45th day from opening the card. Those balances will have no interest applied until the end of the 12th month. Balances that remain after the 12th month, or transferred after the initial 45 days will have the regular APR applied.
No Blackout Dates
No Blackout Dates. With this credit card, you avoid dates when travel rewards and other special discounts and promotions are unavailable.
No Foreign Fees
No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.
Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.
Travel and Emergency Assistance
Travel and Emergency Assistance. This credit card provides you with referrals and assistance for emergency services.
Credit Score Needed For Wells Fargo Propel American Express® Card
Your best chance of being approved for this credit card involves having a credit score 751 - 850. Having your credit score in this range does not guarantee approval. There are still other factors besides credit score that determine if you will qualify for this card.