Wells Fargo Propel American Express® Card

Here's My experience so far: The card gives you 30,000 bonus points if you spend $3,000 in 90 days since the card was first activated. I met the goal in 2 months and the bonus was added within 2 to 3 business days. Really came in handy because I used some of those points for a last minute flight over the holidays. For those wondering how I met the goal so quickly, just pay your bills with the card and if you have a car and constantly travel, fuel is your big expense. I also go out to restaurants and pay streaming services. This card came in handy. Downside: No extra bonus for grocery shopping, which I do a lot of.

I received my card within 2 weeks of approval, if you happen to be in a hurry to use the card for a last minute big expense that you could use the card for, you're setting yourself up for failure. Plan ahead and apply for credit cards during the spring or summer when there are not many holidays or shopping specials.

The app, which is from Wells Fargo, is ok. Not as good as some other banking apps but it does the basics: Check balance, make payments, and see a breakdown of your expenses so far (even the temporary ones), activate/deactivate the card, check your FICO score, setup alerts, and see your monthly statements. What it does not do: see a breakdown of your points that you earned with your purchases, or make purchases with your points. You have to use your browser to use some of the cards features. Navigating through the app or even the website has a steep learning curve but you are able to use all the benefits that comes with the card and it even gives you tips on how to use some of its perks like getting concert tickets or get special treatment at participating restaurants in a city. Definitely a plus but it takes some effort to use them. Sometimes the app crashes but they constantly have updates to prevent this.

The card looks great. It is made from metal (don't know what kind of metal), its weight and thickness is noticeable"

Here's My experience so far: The card gives you 30,000 bonus points if you spend $3,000 in 90 days since the card was first activated. I met the goal in 2 months and the bonus was added within 2 to 3 business days. Really came in handy because I used some of those points for a last minute flight over the holidays. For those wondering how I met the goal so quickly, just pay your bills with the card and if you have a car and constantly travel, fuel is your big expense. I also go out to restaurants and pay streaming services. This card came in handy. Downside: No extra bonus for grocery shopping, which I do a lot of.

I received my card within 2 weeks of approval, if you happen to be in a hurry to use the card for a last minute big expense that you could use the card for, you're setting yourself up for failure. Plan ahead and apply for credit cards during the spring or summer when there are not many holidays or shopping specials.

The app, which is from Wells Fargo, is ok. Not as good as some other banking apps but it does the basics: Check balance, make payments, and see a breakdown of your expenses so far (even the temporary ones), activate/deactivate the card, check your FICO score, setup alerts, and see your monthly statements. What it does not do: see a breakdown of your points that you earned with your purchases, or make purchases with your points. You have to use your browser to use some of the cards features. Navigating through the app or even the website has a steep learning curve but you are able to use all the benefits that comes with the card and it even gives you tips on how to use some of its perks like getting concert tickets or get special treatment at participating restaurants in a city. Definitely a plus but it takes some effort to use them. Sometimes the app crashes but they constantly have updates to prevent this.

The card looks great. It is made from metal (don't know what kind of metal), its weight and thickness is noticeable"

Was apprehensive getting this card based on Wells Fargo’s recent history but the reward system and honestly the metal card with no annual fee was too enticing to pass up. Applied for it easily and the card arrived in about a week. Card and rewards worked flawlessly for a few weeks until I started having a few issues at a couple retailers. They were having trouble reading the card (had the same brand machine). Before I could contact them, I received an email and a physical letter letting me know of the issue and they sent me a new card and $50 in credit for the issues which was more than expected, especially after reading some reviews here. No issues at all with the bonus points and redemption works well. I have only called in once due to some upcoming travel but the card worked well whenever I have travelled. When I called it was easy to get with a human and they were very polite and helpful. Insofar, one of the best experiences I’ve ever had with a credit card. 

Was apprehensive getting this card based on Wells Fargo’s recent history but the reward system and honestly the metal card with no annual fee was too enticing to pass up. Applied for it easily and the card arrived in about a week. Card and rewards worked flawlessly for a few weeks until I started having a few issues at a couple retailers. They were having trouble reading the card (had the same brand machine). Before I could contact them, I received an email and a physical letter letting me know of the issue and they sent me a new card and $50 in credit for the issues which was more than expected, especially after reading some reviews here. No issues at all with the bonus points and redemption works well. I have only called in once due to some upcoming travel but the card worked well whenever I have travelled. When I called it was easy to get with a human and they were very polite and helpful. Insofar, one of the best experiences I’ve ever had with a credit card. 

I applied for this card, knowing I had some big expenses coming up, in order to take advantage of the intro offer. My application was approved, but the card arrived an entire month later, effectively reducing my window for the intro offer from 3 months to 2 months...I've read other reviews here that complain about the same thing. Multiple calls to 'customer service' only connected me to operators playing dumb about the status of my card. When it finally arrived in the mail a month late, I closed the account. Am shopping for a card from a bank that has some integrity.

Most of my expendable money goes to take out and ride shares, also I subscribe to a few streaming services and travel for work frequently. And no yearly fee or foreign transaction fees! Rewards are best for a specific lifestyle: you want rewards for expenditures on travel, eating out or in, streaming, or ride shares all rolled up into one card then this may be for you! I don't really use this for travel, there's so many other cards better suited for that. I was already a WF customer and I have always had acceptable customer service on every call, but I did have to call to see where I was in the application process at 749 TU, 740 EX. Been a few good months with this card though.

I applied for this card, knowing I had some big expenses coming up, in order to take advantage of the intro offer. My application was approved, but the card arrived an entire month later, effectively reducing my window for the intro offer from 3 months to 2 months...I've read other reviews here that complain about the same thing. Multiple calls to 'customer service' only connected me to operators playing dumb about the status of my card. When it finally arrived in the mail a month late, I closed the account. Am shopping for a card from a bank that has some integrity.

Most of my expendable money goes to take out and ride shares, also I subscribe to a few streaming services and travel for work frequently. And no yearly fee or foreign transaction fees! Rewards are best for a specific lifestyle: you want rewards for expenditures on travel, eating out or in, streaming, or ride shares all rolled up into one card then this may be for you! I don't really use this for travel, there's so many other cards better suited for that. I was already a WF customer and I have always had acceptable customer service on every call, but I did have to call to see where I was in the application process at 749 TU, 740 EX. Been a few good months with this card though.

Everything is great outside of navigating the website, organizing the setting such as autopay, and reaching a representative over the phone.  But, once you reach a representative they do solve your issue(s).

Everything is great outside of navigating the website, organizing the setting such as autopay, and reaching a representative over the phone.  But, once you reach a representative they do solve your issue(s).

Being an AMEX card I thought I would receive a high credit limit, I was mistaken. I have a score of 797 and a fairly high income. I was only approved for $2500, how disappointing. I will most likely only use this card for the bonus and then cancel.

Being an AMEX card I thought I would receive a high credit limit, I was mistaken. I have a score of 797 and a fairly high income. I was only approved for $2500, how disappointing. I will most likely only use this card for the bonus and then cancel.

Thanks to a review that I saw I was able to do this... I had the Wells Fargo cash wise for over a year, and called and did a product switch. I was able to get this propel without a hard pull on my credit report and they transferred my credit limit from the cash wise to this one.  Only bad part is that I did not get the intro bonus.  Besides that This card is a really good looking card, and yes  it’s metallic. Card clearly says it on back.

Thanks to a review that I saw I was able to do this... I had the Wells Fargo cash wise for over a year, and called and did a product switch. I was able to get this propel without a hard pull on my credit report and they transferred my credit limit from the cash wise to this one.  Only bad part is that I did not get the intro bonus.  Besides that This card is a really good looking card, and yes  it’s metallic. Card clearly says it on back.

Incredible perks and bonuses. Only issue is AmEx isn't accepted everywhere, but potential cardholders should already know that going in. The rewards platform is incredible easy to manage. Get this card before they decide to make this card have an annual fee! 

Incredible perks and bonuses. Only issue is AmEx isn't accepted everywhere, but potential cardholders should already know that going in. The rewards platform is incredible easy to manage. Get this card before they decide to make this card have an annual fee! 

The worst cuatomer service ever. They cannot answer any question about the status of the card. I apply for it and get approved. Receive a confirmation letter by mail but never the card. And guess what? Nobody in Wells Fargo knows why i didn’t received my card. 

The worst cuatomer service ever. They cannot answer any question about the status of the card. I apply for it and get approved. Receive a confirmation letter by mail but never the card. And guess what? Nobody in Wells Fargo knows why i didn’t received my card. 

Applied, and was approved. I have had endless problems linking to paypal. Paypal confirmed they have no blocks, but Wells keeps rejecting the linking request. Wells Fargo customer service cant figure out and literally says "we dont know what to do". 

Hold times for Wells Fargo exceed 20 minutes on multiple occasions. 

Benefits contact information is mistated on their documentation. Their benefits claim forms have phone numbers for CITIBANK! I got passed through 3 different offices while they tried to find someone who could start a retail protection claim. They opened the claim, told me I'd receive a claim form...and it never arrived. I had to call back and ended up with a customer service rep that clearly was annoyed that I was calling. 

Applied, and was approved. I have had endless problems linking to paypal. Paypal confirmed they have no blocks, but Wells keeps rejecting the linking request. Wells Fargo customer service cant figure out and literally says "we dont know what to do". 

Hold times for Wells Fargo exceed 20 minutes on multiple occasions. 

Benefits contact information is mistated on their documentation. Their benefits claim forms have phone numbers for CITIBANK! I got passed through 3 different offices while they tried to find someone who could start a retail protection claim. They opened the claim, told me I'd receive a claim form...and it never arrived. I had to call back and ended up with a customer service rep that clearly was annoyed that I was calling. 

I'm in my late 20s, I have excellent credit and only have a handful of credit cards, by choice (Chase Freedom, and 3 store specific ones). I get a nice decent amount of cash back using my Chase Freedom, but wanted to up my rewards factor and also get a credit card with no foreign fees or annual fees. I did a lot of research on which credit card to apply for, It was between Capital One SavorOne, Bank of America Travel Rewards  and this one, I finally decided on the Wells Fargo Propel.  I applied for this card on Thursday morning Oct 4th (easy application process), was automatically approved. Received the card in the mail on Saturday Oct 13. I started using it that day, so far I haven't had any issues using the card. I even called customer service to test them out....they were helpful and nice. Only bad thing I can say so far is that I'm not a fan of Wells Fargo's phone app, it needs to be updated, more user friendly, and less clunky. But that's on Wells Fargo not the card, why I still give this card 5 stars.

This card declines on me more than it is accepted. It’s embarrassing to try to pay for dinner and the waitress has to bring the card back saying it doesn’t work...also the design is very poor, the Amex logo is silver and square and often mistaken for the chip. Payments also take about 4-6 days to process. As soon as I get my $300 in points for spending $3000 I will retire this card. 

I'm in my late 20s, I have excellent credit and only have a handful of credit cards, by choice (Chase Freedom, and 3 store specific ones). I get a nice decent amount of cash back using my Chase Freedom, but wanted to up my rewards factor and also get a credit card with no foreign fees or annual fees. I did a lot of research on which credit card to apply for, It was between Capital One SavorOne, Bank of America Travel Rewards  and this one, I finally decided on the Wells Fargo Propel.  I applied for this card on Thursday morning Oct 4th (easy application process), was automatically approved. Received the card in the mail on Saturday Oct 13. I started using it that day, so far I haven't had any issues using the card. I even called customer service to test them out....they were helpful and nice. Only bad thing I can say so far is that I'm not a fan of Wells Fargo's phone app, it needs to be updated, more user friendly, and less clunky. But that's on Wells Fargo not the card, why I still give this card 5 stars.

This card declines on me more than it is accepted. It’s embarrassing to try to pay for dinner and the waitress has to bring the card back saying it doesn’t work...also the design is very poor, the Amex logo is silver and square and often mistaken for the chip. Payments also take about 4-6 days to process. As soon as I get my $300 in points for spending $3000 I will retire this card. 

Beware, this card is only licensed by Amex, not a legit Amex card. The Amex website that I love so dearly will not work for a login for this card. Instead you are stuck with the nonsensical layout of the WF site to navigate your Propel account. Anyone looking for Amex offers will be disappointed to see that they won’t apply for the Propel card. That being said, the card is good as far as the rewards go and especially for no annual fee. However, the Wells Fargo customer service is quite lacking IMO. I got the card as soon as it came out and have kept my account in excellent standing ever since then. I called about a credit limit increase so I could put a large purchase on my card, and was bounced around between two different people over the course of 15 minutes and then told I could not raise my credit limit without a credit check. Not wanting another hit on my credit - even though my credit score is great - I declined. Even a slight increase of a couple thousand was denied without said credit check. I have never had to take so many steps just to raise my credit limit by a LARGE amount, yet alone a small increase like I had asked for! The whole process was a complete turn off and it seemed like WF wasn’t there to help me. No wonder they have such a terrible rep. Since Wells Fargo clearly doesn’t want my money, I went and got the new Amex Gold, what an easy application process and 100x better customer service! I will use the Propel for gas and my cell phone bill for the insurance and that’s it.

Beware, this card is only licensed by Amex, not a legit Amex card. The Amex website that I love so dearly will not work for a login for this card. Instead you are stuck with the nonsensical layout of the WF site to navigate your Propel account. Anyone looking for Amex offers will be disappointed to see that they won’t apply for the Propel card. That being said, the card is good as far as the rewards go and especially for no annual fee. However, the Wells Fargo customer service is quite lacking IMO. I got the card as soon as it came out and have kept my account in excellent standing ever since then. I called about a credit limit increase so I could put a large purchase on my card, and was bounced around between two different people over the course of 15 minutes and then told I could not raise my credit limit without a credit check. Not wanting another hit on my credit - even though my credit score is great - I declined. Even a slight increase of a couple thousand was denied without said credit check. I have never had to take so many steps just to raise my credit limit by a LARGE amount, yet alone a small increase like I had asked for! The whole process was a complete turn off and it seemed like WF wasn’t there to help me. No wonder they have such a terrible rep. Since Wells Fargo clearly doesn’t want my money, I went and got the new Amex Gold, what an easy application process and 100x better customer service! I will use the Propel for gas and my cell phone bill for the insurance and that’s it.

This review is early as I've just activated the card, but just the application process and credit card activation alone has been extremely frustrating.  I applied for the credit card and filled out all of the information required ( SS #, name, address, income etc) and received an email notifiying my application was pending approval and given a reference number w/ a link that I could use to check my application status online.  After a few days of not hearing back, I decided to check, as every other credit card I've applied for has given me a very prompt response.  Tried to use the reference link to check my status online, which didn't work (this became a theme), so I called instead. I answered the security questions and then was told that there was information missing from my file, which is why I hadn't heard back.  The information that I was told was missing was mandatory information that I had to provide to submit the application, including my email  that I had already been contacted with, and my mobile phone number and work phone number.  I provided the information and after the call I got an email that said that my contact information had updated. I waited a few more days without hearing anything then I decided to reach out again.  I was told my application had been approved already, it was approved the day I reached out to find out my status, but I was never notified. I was told my card would come in 5-7 business days from the approval date, it came in 7. I tried to activate the card online, and it required me to make a wells fargo online account to do so, which I was unable to do, I kept getting error messages saying it was unable to verify my info, so I decided to call again.  I called to activate the credit card, thinking after that was done I could set up my online profile.  That was wrong, still was unable to do so, so I called back again to set"

This review is early as I've just activated the card, but just the application process and credit card activation alone has been extremely frustrating.  I applied for the credit card and filled out all of the information required ( SS #, name, address, income etc) and received an email notifiying my application was pending approval and given a reference number w/ a link that I could use to check my application status online.  After a few days of not hearing back, I decided to check, as every other credit card I've applied for has given me a very prompt response.  Tried to use the reference link to check my status online, which didn't work (this became a theme), so I called instead. I answered the security questions and then was told that there was information missing from my file, which is why I hadn't heard back.  The information that I was told was missing was mandatory information that I had to provide to submit the application, including my email  that I had already been contacted with, and my mobile phone number and work phone number.  I provided the information and after the call I got an email that said that my contact information had updated. I waited a few more days without hearing anything then I decided to reach out again.  I was told my application had been approved already, it was approved the day I reached out to find out my status, but I was never notified. I was told my card would come in 5-7 business days from the approval date, it came in 7. I tried to activate the card online, and it required me to make a wells fargo online account to do so, which I was unable to do, I kept getting error messages saying it was unable to verify my info, so I decided to call again.  I called to activate the credit card, thinking after that was done I could set up my online profile.  That was wrong, still was unable to do so, so I called back again to set"

When I open a new card I intend to take full advantage of special offers.  With this card my plan was to utilize it and spend $3000 to achieve the reward.   Unfortunately I’ve had issue after issue.  50% of my transactions are denied, I call to ask to have them approved and every rep I talked to says “it’s not us it’s you”.  I’ve been declined at more than 5 places of business.  I asked for some type of reward for the inconvenience and forcing me to forfeit my points by using a different form of payment, both managers I spoke to declined.  On top of the inconvenience it’s embarrassing.  I’ve never had a card decline on me in the past and I’m beyond upset with my decision to acquire this American Express.  Absolutely terrible experience thus far.

I applied this card one month ago. So far it's good. I applied from cards-offer recommendation. Application process was easy and straightforward. From my limited research I can say this us the only card with 3x categories, no annual fees and no foreign transactions fees. So far I have not used it outside US.