Earn Points for Gas and Restaurants: Wells Fargo Propel American Express Card Review

Among gas and restaurant rewards credit cards, the Wells Fargo Propel American Express® Card provides one of the highest rates of rewards. Plus, Wells Fargo banking customers earn an extra bonus. Whether you bank with Wells Fargo or plan to in the future, this card is a solid choice for earning rewards. (See also: Best Credit Cards for Gas Rewards)

How This Card Works

This card awards 3x points at U.S. gas stations, 2x points at U.S. restaurants, and 1x point on other purchases. Plus, You can earn an unlimited number of points and can redeem for five full years from the date you earn them. (See also: Best Credit Cards for Restaurant Rewards)

You can redeem your points for gift cards or travel purchases such as airline tickets, hotels, car rentals, and cruises, through the GoFar™ Rewards program. You can also request your rewards as a check, statement credit, or as a deposit to your Wells Fargo checking or savings account. If you maintain a Wells Fargo checking or savings account, you can earn a 10% Relationship Bonus.

Other Benefits

Travel discounts. This card includes a 20% discount at over 18,000 participating hotels, plus special amenities and benefits that are exclusive to cardholders. Additional travel discounts include a savings of up to 25% with all major car rental companies worldwide, as well as discounts on airfare and cruises. (See also: Best Travel Rewards Credit Cards)

Cellular phone protection. This card includes cellular telephone protection which can reimburse you for damage or theft of your cell phone when you make your cell phone payments with your card. Protection is subject to a $25 deductible per claim.


  • $0 Annual Fee
  • 13.99%-25.99% Variable APR (0% Intro APR on purchases and balance transfers for the first 12 months)
  • 5% Balance Transfer Fee (3% Introductory Balance Transfer Fee for 12 months)
  • $0 Foreign Transaction Fee

Who This Card Is Best For

This card is best for those who frequently make purchases at U.S. gas stations and restaurants. Because of the Relationship Bonus, it is especially ideal for customers who currently bank with Wells Fargo or plan to in the future. Further, because there is no foreign transaction fee, this card is ideal for foreign transactions.