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Wells Fargo Propel World American Express® Card

See where the Propel World® Card can take you

Earn 40,000 bonus points when you spend $3,000 in net purchases in the first 3 months
The world is open – keep exploring

Your Propel World Card gives you benefits that upgrade virtually every aspect of your travel.

Upgraded Travel

  • No foreign currency conversion fees (See Terms and Conditions for details)
  • Up to $100 per year in reimbursements toward incidental airline charges
  • Complimentary room upgrades and more from the Luxury Hotel Program

Accelerated Earning

  • 3X points on Airlines, 2X points on Hotels, 1X point on all other net purchases (purchases minus returns/credits)

Rich Bonuses

  • Earn 40,000 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

All this and more for a $0 Introductory Annual Fee for the first year, $175 for each year after that. See Terms and Conditions for details.

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 World 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 travels.

  • 3X points on Airlines, 2X points on Hotels, and 1X point on all other net purchases (purchases minus credits/returns).
  • 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 World 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.

$100 Airline Incidental Fee Allowance

Each year, we’ll reimburse your account up to $100 per year for making incidental travel charges like airline lounges, baggage fees, or onboard meals and entertainment. You don’t need to enroll in any program or pick a single airline – just enjoy your trip, and incidental charges will be credited to your account.

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.

Luxury Hotel Program

A hand-selected collection of nearly 1,000 luxury hotel properties from around the world is at your service. Enjoy complimentary daily breakfast for two, room upgrade at check-in, late check-out when available, and a welcome amenity at every property. Plus, enjoy resort credit, complimentary dining, spa or excursion services at most properties. You will also receive the available rate for your bookings, as well as special offers of up to 20% off the rates available at select properties.

Car Rental

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

Vacation Packages

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

Cruise Program

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

Complimentary Premium 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.

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

Protection Benefits**

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.

Auto Rental Collision and Liability Insurance

Your card provides coverage, in excess of other insurances, against damage to or loss of a rental vehicle.

Travel Inconvenience Insurance

Enjoy peace of mind when traveling. We’ll come to the rescue if your bags are lost or delayed, or your flight is cancelled or delayed for more than 6 hours. When you charge your entire fare to your Propel World Card, Travel Inconvenience Insurance will reimburse you for the direct physical loss or damage of baggage, or extra travel expenses due to delayed baggage or delayed or canceled flights.

Trip Cancellation and Interruption

Travel securely with Worldwide Common Carrier Trip Cancellation/Trip Interruption.

Travel Accident Insurance

You're automatically protected up to $500,000 when you charge your entire fare to your Propel World Card.

Purchase Security

Provides coverage for many items you purchase entirely with your card if 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 1 year or less. Certain exclusions, restrictions, and limitations apply.

Return Protections

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.

**Certain exclusions, restrictions, and limitations apply. See the Wells Fargo Propel World 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 365SM Card

From gas to dining and more, the Propel 365 Card lets you earn powerful rewards on the things you buy every day.

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.