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Wells Fargo Propel 365 American Express® Card

Accelerate your earning on virtually every purchase

Earn 20,000 bonus points when you spend $3,000 in net purchases in the first 3 months
Apply for the card that helps you keep exploring

With the Propel 365SM Card, you’ll enjoy rich rewards that accelerate your earning on virtually every purchase. 

Accelerated Earning

  • 3X points at U.S. Gas Stations, 2X points at U.S. Restaurants, and 1X point on all other net purchases (purchases minus returns/credits)

Exceptional Features

  • No foreign currency conversion fees (See Terms and Conditions for details)
  • Low introductory APR on purchases and balance transfers for 12 months
  • $0 introductory annual fee for the first year and only $45 after that (See Terms and Conditions for details)

Rich Bonuses

  • Earn 20,000 bonus points when you spend $3,000 in net purchases in the first 3 months
  • You will earn an annual bonus of 10%, 25%, or 50% on non-bonus rewards points if you maintain a qualifying consumer Wells Fargo Checking or Savings Account, or PMA® Package

Generally, we will apply your minimum payment first to lower APR balances (such as Purchases) before balances with higher APRs (such as Cash Advances).

Ready to apply for the
Propel 365 Card? Apply Now
You can also call 1-800-932-6736 or apply in person at a Wells Fargo location near you.

Accelerate your earning potential with the card that rewards your every day purchases.

  • 3X points at U.S. Gas Stations, 2X points at U.S. Restaurants, and 1X point on all other net purchases (purchases minus returns/credits).
  • You will earn an annual bonus of 10%, 25% or 50% more on non-bonus rewards points if you maintain a qualifying consumer Wells Fargo Checking or Savings Account, or PMA® Package.
  • Your points do not expire, and there is no cap on how much you can earn.

From exotic travel to one-of-a-kind finds, your Wells Fargo Rewards® Program gives you the flexibility to redeem for rewards however you like.

  • With options currently as low as 2,500 points for a $25 gift card*, it’s easy to start redeeming points for rewards that can upgrade every part of your life.
  • Find unique travel experiences and exclusive offers on airline tickets, hotels, car rentals, and cruises, with no blackout dates or airline restrictions when booked through the Wells Fargo Rewards program. Redeem with rewards points, pay with your Propel 365 Card, or use a combination of points and a payment card.
  • Cash redemption options such as a credit to your qualifying Wells Fargo credit product, a deposit to your qualifying consumer Wells Fargo Checking or Savings account, or we can even send you a check.
  • Get brand-name merchandise and gift cards, send points as a gift to other Wells Fargo Rewards Program customers, and bid on special items and more in our online auctions.
*Rewards points, redemption amounts, and offers subject to change without notice.

Hotel Program

Get up to 20% off the best available rates and access to 18,000 participating properties. Plus, get a range of special amenities or other benefits at select properties.

Car Rental

Enjoy competitive rates and valuable savings of up to 25% off with all major car rental companies worldwide.

Air Program

Get the lowest airfares available on domestic and international airlines.

Vacation Packages

Receive up to $100 off qualifying air + hotel packages at 1,800 resorts at 150 destinations worldwide.

Cruise Program

Enjoy special fares and amenities from major cruise lines. Benefits include up to $300 in shipboard credit and access to all cruise lines. Our specialists can help you plan your trip.

Auto Rental Collision and Liability Insurance**

Your card provides coverage, in excess of other insurances, against damage to or loss of a rental vehicle in the U.S. and Canada.

Lost Luggage Insurance**

Your card provides coverage, in excess of other insurances, for reimbursement for essential items purchased due to a travel inconvenience caused by lost baggage. Coverage applies to airline flight when the ticket was purchased with your Wells Fargo Propel 365 American Express® Card.

Travel Accident Insurance**

Your card provides automatic travel accident insurance coverage while traveling on a common carrier (plane, trip, ship, or bus) when the entire cost of the fare is purchased on your Wells Fargo Propel 365 American Express® Card.

Emergency Assistance**

Your card provides access to an emergency assistance hotline 24/7. In addition, the hotline can provide you relevant pre-trip information concerning passports, travel requirements, and emergency cash advances.

Complimentary 24/7 Concierge**

From securing a tee time at a popular golf course to understanding local etiquette, our concierge can ensure you have the trip of a lifetime. Whether it’s booking your trip, providing interpretation services or just directing you to an attraction, we’re here to help.

Chip Technology

A Wells Fargo credit card with chip technology offers broader acceptance internationally and better protection against counterfeit fraud wherever this technology is the standard. Learn more about chip cards.

**Certain limitations, restrictions, and exclusions apply. See the Wells Fargo Propel 365 American Express® Card Guide to Benefits (PDF)* for details.

Retail Protection**

Get coverage for many items you purchase entirely with your card if they are damaged or stolen within 90 days from the date of purchase.

Extended Warranty**

For eligible products purchased entirely with your card, the Extended Warranty doubles the original manufacturer's (or U.S. store brand) on warranties of one year or less. Certain exclusions, restrictions, and limitations apply.

Return Protection**

If a merchant does not accept a return for an undamaged item, you can get reimbursed up to $300 per eligible purchase within 90 days.


**See the Wells Fargo Propel 365 American Express® Card Guide to Benefits (PDF)* for details.

What is the Relationship Bonus and how do I qualify?

As a way to say “thank you” for your business, Wells Fargo gives you additional ways to earn rewards points through the Relationship Bonus.

Here’s how it works:

If you maintain a qualifying Wells Fargo
You will receive a Relationship Bonus of
On an annual qualifying spend of $25,000, you will earn
Checking or savings account
10% more points
2,500 points in Relationship Bonus
PMA ® Package
25% more points
6,250 points in Relationship Bonus
PMA ® Package with $250,000 or more in qualifying relationship balances or are a Private Banking client with PMA ® Package with Private Banking
50% more points
12,500 points in Relationship Bonus

When will I receive my annual Relationship Bonus points?

The Relationship Bonus is earned monthly and will show on Your Rewards Account as pending until it is posted to Your Rewards Account the 13th month after the date your credit card account was opened. After which, you will receive your bonus each year on this date as long as you maintain your qualifying deposit account.

What if I change the type of deposit account or PMA® Package I have after I sign up for this card? Will I be earning the same Relationship Bonus rate forever?

The Relationship Bonus is calculated each month based on whether you own a qualifying consumer Wells Fargo Checking or Savings account or a PMA® Package at the previous month’s end.  (Calculation is made at the time the credit card account transactions are posted on your account, not when the purchase is made.) You will earn the most favorable bonus rewards points percentage you qualify for at the time your Relationship Bonus is calculated.

What should I expect after I apply online?

Upon submitting the online application, you will receive the status of your application on the confirmation page and we will send you a confirmation email. If we are able to provide you an approval, the confirmation page and email will also display your credit limit. If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status.

Learn more about chip cards

Earn rewards with the Propel WorldSM Card

With powerful benefits that make travel more enjoyable and rewarding, the Propel World Card is designed to help you keep exploring.

Learn More

Please note that the offers displayed on this page may differ from offers you may have received from Wells Fargo. Please refer to your offer specific disclosures for more details.