Wells Fargo Propel 365 American Express® Card

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  • Earn 20,000 bonus points when you spend $3,000 in net purchases in the first 3 months
  • Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, and 1X points on other net purchases every day
  • 0% Intro APR for 12 months on purchases and balance transfers, after that the variable APR will be 14.24%-22.24%
  • Enjoy special offers on airfare, hotels, and amenities, plus a 24/7 concierge and other travel and purchase protection benefits
  • Earn an annual relationship bonus of 10%, 25%, or 50% on non-bonus rewards points if you maintain a qualifying consumer Wells Fargo Checking or Savings Account
  • Redeem points for travel, gift cards, cash redemption options or merchandise through Go Far™ Rewards
  • Your points do not expire as long as your account is open and there is no cap on the non-bonus points you can earn
  • Select "Apply Now" to learn more about the product features, terms, and conditions
Annual Fee:
$0 for the first year; $45 after that
Purchase Intro APR:
0%
(12 Months)
Purchase Regular APR:
14.24% - 22.24%*
Variable
Balance Transfer Intro APR:
0%
(12 Months)
Balance Transfer Regular APR:
14.24% - 22.24%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 24.24%* Variable
Cash Advance Fee 5%
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 3% Intro for 12 months
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

Sign-Up Bonus

Earn 20,000 points after you spend $3,000 in 3 months.

All Purchases

1 point per dollar

No cap on spending

Gas

3 points per dollar

Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, and 1X points on other net purchases every day

Restaurants

2 points per dollar

Earn 3X points at U.S. gas stations, 2X points at U.S. restaurants, and 1X points on other net purchases every day


Our Take

The Wells Fargo Propel 365 American Express® Card offers great rewards.

What to Like

The benefits start out with a solid sign-up bonus: 20,000 bonus points if you make $3,000 in net purchases in the first 3 months. Cardholders also earn 3x points at U.S. gas stations, 2x points at U.S. restaurants and 1x points on all other purchases. Plus, there’s a 0% intro APR for 12 months on both purchases and balance transfers.

Look Out For

This card comes with a $45 annual fee, though that is waived for the first year. There’s also a 3% introductory balance transfer fee.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2016 through November 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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