{"id":24498,"date":"2018-07-16T12:05:00","date_gmt":"2018-07-16T16:05:00","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=24498"},"modified":"2026-04-24T14:33:51","modified_gmt":"2026-04-24T14:33:51","slug":"wells-fargo-propel","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/wells-fargo-rewards\/wells-fargo-propel\/","title":{"rendered":"The Refreshed Wells Fargo Propel American Express\u00ae Card"},"content":{"rendered":"<p><em><strong>Update: Wells Fargo discontinued the Wells Fargo Propel 365 American Express<sup>\u00ae<\/sup> Card (closed to new applicants) and replaced it with the Wells Fargo Propel American Express<sup>\u00ae<\/sup> card (closed to new applicants), which was later replaced by the Wells Fargo Autograph<sup>\u00ae<\/sup> Card. Here's our <a target=\"_blank\" href=\"\/credit-cards\/wells-fargo-rewards\/wells-fargo-autograph\/\" rel=\"noopener\">full review of the Wells Fargo Autograph<sup>\u00ae<\/sup> Card<\/a>.<\/strong><\/em><\/p>\n<p><em><strong>For historic reference, here's what the Wells Fargo Propel Amex offered:<\/strong><\/em><\/p>\n<p>Wells Fargo has unveiled a refreshed version of its popular Wells Fargo Propel Amex. The Wells Fargo Propel Amex card features revamped bonus categories including 3x points per dollar on travel, dining, and music streaming services such as Spotify and Apple Music, plus <a href=\"\/credit-cards\/best-credit-cards-with-cell-phone-protection\/\">cell phone protection<\/a> when you use the card to pay your monthly bill. All of this with an annual fee of $0.<\/p>\n<p><div class=\"qs-card\" data-id=\"3006099\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Wells Fargo Propel American Express<sup>\u00ae<\/sup> card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/ce70a5f6-9a91-4c82-a7dc-9b0d29bd6b07.jpg\" width=\"150\" alt=\"Wells Fargo Propel American Express\u00ae card (closed to new applicants)\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-learn-more\" data-ccid=\"3006099\" href=\"\/blog\/cards\/WellsAmexPropel\">Learn More<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n(This card is closed to new applicants)<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Wells Fargo Propel American Express<sup>\u00ae<\/sup> card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\n(This card is closed to new applicants)<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-er\"><ul>\r\n<li>Earn 3X points on eating out and ordering in<\/li>\r\n<li>Earn 3X points on travel including flights, hotels, homestays and car rentals<\/li>\r\n<li>Earn 3X points on gas stations, rideshares and transit<\/li>\r\n<li>Earn 3X points on popular streaming services<\/li>\r\n<li>Earn 1X points on other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/WellsAmexPropel\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-6-3f2f773ae#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<p>The Wells Fargo Propel Amex earns Go Far Rewards points worth a penny apiece as cash-back equivalent. Alternatively, if you (or a friend or family member) hold a Wells Fargo Visa Signature<sup>\u00ae<\/sup> Card (closed to new applicants)<a href=\"\/blog\/link\/WellsFargoVisaSignatureCard\" rel=\"noopener nofollow sponsored\"><\/a>, you can transfer points earned on the Wells Fargo Propel Amex to the Wells Fargo Visa Signature\u00a0and redeem for flights through the <a href=\"https:\/\/gofarrewards.wf.com\/\" target=\"_blank\" rel=\"noopener\">Go Far Rewards travel portal<\/a> at 1.5\u00a2 per point.<\/p>\n<p>It\u2019s worth pointing out that Wells Fargo has the most generous transfer rules of any provider we\u2019ve encountered, allowing <a href=\"\/credit-cards\/wells-fargo-rewards\/\">Go Far Rewards members to transfer points between each other free of charge<\/a>, with no rules restricting transfers to family members or members of the same household. Points will expire 60 months after the transfer, so just use them within 5 years. \ud83d\ude09<\/p>\n<h2><span id=\"Wells_Fargo_Propel_Amex_Points_Earning_Redeeming_Potential\">Wells Fargo Propel Amex Points Earning & Redeeming Potential<\/span><\/h2>\n<p>Possibly the most exciting change to the Wells Fargo Propel Amex is the revamped bonus categories. The card previously earned 3x points at gas stations, 2x points at U.S. restaurants and 1 point per dollar everywhere else. The refreshed version of the card earns:<\/p>\n<ul>\n<li>3x on travel &#8211; including services such as VRBO homestay<\/li>\n<li>3x on dining &#8211; including delivery websites like GrubHub<\/li>\n<li>3x on streaming services &#8211; including Spotify, Apple Music, Netflix, etc<\/li>\n<li>3x at gas stations<\/li>\n<li>1x on all other purchases<\/li>\n<\/ul>\n<p>The increased 3x points on travel & dining is an exciting addition to the Wells Fargo Propel Amex, placing it in the same earning category as many premium rewards cards charging astronomical annual fees. You can redeem Go Far Rewards earned on the Wells Fargo Propel Amex for 1\u00a2 per point as cash back and towards other merchandise, but the real value lies in pairing this card up with the Wells Fargo Visa Signature<a href=\"\/blog\/link\/WellsFargoVisaSignatureCard\" rel=\"noopener nofollow sponsored\"><\/a> and Wells Fargo Cash Wise Visa<sup>\u00ae<\/sup> card (closed to new applicants).<\/p>\n<p>Where the Wells Fargo Propel Amex earns just 1 point per dollar on non-bonus purchases, the Cash Wise Visa earns 1.5% cash back on everyday spend, and points transfer free of charge between cards\/accounts. Add the Wells Fargo Visa Signature\u00a0to the mix, and you can combine points earned across all three cards at 1.5\u00a2 per point towards flights through the Go Far Rewards travel portal, or 1.75\u00a2 per point if you spend $50K per year on the card, providing an epic value without paying a single annual fee.<\/p>\n<h2><span id=\"Potential_Challenges_with_Wells_Fargo_Go_Far_Rewards\">Potential Challenges with Wells Fargo Go Far Rewards<\/span><\/h2>\n<p>There are some potential downsides to a 2 or 3 card Go Far Rewards strategy to be aware of.<\/p>\n<ol>\n<li>You can\u2019t transfer points to airline or hotel partners to leverage award chart sweet spots like Ultimate Rewards, Membership Rewards, or ThankYou Rewards, so this strategy will best suit folks interested in discount international economy and domestic fares.<\/li>\n<li>Wells Fargo has rather stringent application restrictions (listed below) that prevent people applying for multiple cards each year, making it difficult to pull together a Go Far Rewards combo of cards spanning the right bonus categories and redemption options.<\/li>\n<\/ol>\n<p>Team up with a partner, friend, or family members to apply for different cards in the Go Far Rewards lineup of rewards cards, transferring the combined points to the account holding the Wells Fargo Visa Signature\u00a0for redemption to maximize your earnings. Just be sure you're in this as a team with a common goal.<\/p>\n<h2><span id=\"Wells_Fargo_Propel_Amex_Feature_Benefits\">Wells Fargo Propel Amex Feature Benefits<\/span><\/h2>\n<p>The Wells Fargo Propel Amex features a substantial list of perks for a no annual fee card, including access to free FICO<sup>\u00ae<\/sup> scores, Cell Phone Protection, and top-earning rates in bonus categories.<\/p>\n<ul>\n<li><strong>Unlimited 3x Points on Travel (including Gas) & Dining<\/strong> &#8211; For most folks in the points and miles hobby, travel and dining make up a significant portion of their annual spend, and earning 3x points or 3% back, with the ability to increase the value of the points via transfer is a top benefit of holding this card. Earning 3x back on streaming services is a plus, but unless you have a voracious appetite for streaming music and movies, it\u2019s unlikely to present a massive annual return.<\/li>\n<li><strong>Cell Phone Protection<\/strong> &#8211; Pay your monthly cell phone bill with your Wells Fargo Propel Amex, and you\u2019re protected in the case of damage or theft for up to $600 (with a $25 deductible).<\/li>\n<li><strong>Free FICO Score 9 Experian Credit Score<\/strong> &#8211; Monitor your FICO score free of charge, one of the easiest ways to keep on top on new card approvals and your 5\/24 count.<\/li>\n<li><strong>No Annual Fee<\/strong> &#8211; No annual fee cards are often positioned as companion cards for high annual fee premium cards. However, in the case of the Go Far Rewards trio mentioned above, you\u2019ll pay no annual fees at all, a big plus in our books.<\/li>\n<\/ul>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>Similar to <a href=\"\/credit-cards\/chase-5-24-rule\/\">Chase\u2019s 5\/24 policy<\/a> and other <a href=\"\/credit-cards\/bank-america-234-policy\/\">bank restrictions<\/a> on new card applications, Wells Fargo credit card applications include some specific policies and restrictions you should be aware of before applying for a new rewards card.<\/p>\n<p><strong>One card every 6 months<\/strong> &#8211; The T&C\u2019s state you may not qualify for more than one card in a six month period:<\/p>\n<blockquote><p><em>&#8220;You may not qualify for an additional Wells Fargo credit card if you have opened a Wells Fargo credit card in the last 6 months.&#8221;<\/em><\/p><\/blockquote>\n<p><strong>One bonus offer per 15 months<\/strong> &#8211; You\u2019ll only qualify for the introductory or bonus offers on Wells Fargo cards once every 15 months:<\/p>\n<blockquote><p><em>&#8220;Eligibility for introductory rate(s), fees, and bonus rewards offers<\/em><br \/>\n<em>You may not be eligible for introductory annual percentage rates, fees, and\/or bonus rewards offers if you opened a Wells Fargo Credit Card within the last 15 months from the date of this application, and you received introductory APR(s), fees, and\/or bonus rewards offers, even if that account is closed and has a $0 balance.\u201d<\/em><\/p><\/blockquote>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Earning 3X points for eating out, gas stations and travel, cell phone protection, and no annual fee, the Wells Fargo Propel Amex is a standout rewards card if you're lucky enough to have become a cardholder before it was discontinued. Thanks to Propel, Go Far Rewards has become a viable alternative to the big flexible rewards programs (at least for the domestic economy flyer).<\/p>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Wells_Fargo_Propel_Amex_Points_Earning_Redeeming_Potential\">Wells Fargo Propel Amex Points Earning & Redeeming Potential<\/a><\/li><li><a href=\"#Potential_Challenges_with_Wells_Fargo_Go_Far_Rewards\">Potential Challenges with Wells Fargo Go Far Rewards<\/a><\/li><li><a href=\"#Wells_Fargo_Propel_Amex_Feature_Benefits\">Wells Fargo Propel Amex Feature Benefits<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Wells Fargo has unveiled a refreshed version of its popular Wells Fargo Propel American Express\u00ae card (closed to new applicants). Launched in 2018, the card features a great signup offer and revamped bonus categories, including 3x points per dollar on travel, dining, and music streaming services, plus cell phone protection when you use the card to pay your monthly bill. All of this, with no annual fee.<\/p>\n","protected":false},"author":4,"featured_media":24229,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12781,12706],"coauthors":[36390],"class_list":["post-24498","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-wells-fargo","tag-wells-fargo-rewards"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24498","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=24498"}],"version-history":[{"count":51,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24498\/revisions"}],"predecessor-version":[{"id":255160,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/24498\/revisions\/255160"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/24229"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=24498"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=24498"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=24498"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=24498"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}