Every credit card has its perks. To get the most out of a credit card, you simply have to make sure the card’s perks align with your habits and preferences. If your routine involves entertainment, dining out, or travel, the Wells Fargo Propel American Express® Card might be pretty lucrative.


When it comes to credit card rewards, the Propel American Express offer of 1X point per dollar spent is not too shabby. But who doesn’t want to earn more for regular spending? The Propel card does that by offering 3X points per dollar spent on certain categories. There’s no limit on the amount of points you can earn, and you don’t have to worry about your points expiring as long as you keep the account open. Plus, you can do all of this without an annual fee.


If the triple point categories fit your lifestyle, your points can pile up pretty effortlessly.


This Wells Fargo credit card offers a generous welcome bonus of 30k bonus points when you spend $3,000 in the first 3 months along with 0% introductory APR for the first year.

Wells Fargo Propel review

An entertaining option

One of the areas where the Propel American Express Card stands out is entertainment. Not only can this rewards credit card help you find things to do, but it also can help pay for some of your experiences.


More than half of Americans (57%) use a streaming service, according to a 2018 CNBC study. If binge-watching your favorite show sounds like an ideal Friday night, the Propel American Express Card makes your evening even more rewarding. The card offers 3X points per dollar spent when you use it to pay for Apple Music, Hulu, Netflix, Pandora, Sirius XM Satellite Radio, or Spotify Premium. Those rewards points later can be converted to merchandise, gift cards, or even cash back.


Another benefit of the card is that it gives you access to entertainment tickets before they go on sale to the general public. American Express Presales supplies exclusive tickets in certain cities to American Express cardholders, provided you buy the tickets with your American Express card.


Many people’s idea of a good time is eating out. Whether you choose to go to your favorite restaurant or order in, you can take advantage of 3X points per dollar spent at restaurants.

Driving up the value of commuting and travel

While entertainment is a big draw, the Wells Fargo Propel American Express Card isn’t only about fun and games. Some features can help you in more serious ways.


Many Americans spend thousands of dollars a year on gas and other transportation costs as they commute back and forth to work. With the Propel card, you can recoup some of that money. The card offers 3 points for every dollar spent on transit, rideshare programs, and at gas stations. If you’re a frequent traveler, you also cash in with 3 points per dollar spent on flights, hotels, and car rentals.

Another plus: If you end up traveling overseas, you can use the card without racking up foreign transaction fees.

Safeguarding your smartphone

Many of us couldn’t go one hour, let alone one day, without using our phones. The Wells Fargo Propel American Express Card offers up to $600 in cell phone protection for the damage or theft of your phone, provided pay your monthly cell phone bill with the card.


If you’re a parent, this can prevent you from shelling out cash every time your kid cracks a phone screen.

While the benefit won’t cover a lost phone, it might be enough to keep you from needing phone insurance through your wireless provider. Consumer Reports estimates that coverage can cost up to $36 a month.

Women excited about credit card rewards

Smorgasbord of rewards

Points don’t mean much if they can’t be exchanged for something you actually want. Wells Fargo’s Go Far Rewards program gives users of the Propel American Express Card many ways to cash in their points.


You can use them as travel rewards to book travel, collect gift cards, or buy merchandise online. You also can pool your points with those of friends or relatives to collect enough for a bigger reward, like a family trip to Disney World.


One particularly fun way to use rewards is to bid in online auctions for what Wells Fargo calls “once in a lifetime” experiences, such as sporting events and vacation packages.

In addition, you can deposit cash from rewards into a Wells Fargo checking or savings account, donate rewards to charity, or give them to friends or relatives who also are Wells Fargo customers.

Bottom line

Those who use this credit card’s rewards wisely will take advantage of their everyday spending and squeeze more out of their budget. If you naturally prioritize entertainment and travel, the Wells Fargo Propel American Express Card might be card you’ve been hunting for. Check out all the details of this card today.