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Wells Fargo Propel advantages and perks

Signing up for bank cards via companion hyperlinks earns us a fee. Phrases apply to the gives listed on this web page. Right here’s our full promoting coverage.

Signing up for bank cards via companion hyperlinks earns us a fee. Phrases apply to the gives listed on this web page. Right here’s our full promoting coverage.

When looking for your subsequent favourite bank card, the method often includes weighing a card’s advantages in opposition to its annual price. It’s important to take into account in case you’ll use the advantages of the cardboard sufficient to justify paying that price yearly.

However alongside comes the Wells Fargo Propel American Categorical® card. It is a card that doesn't ask you to make that call – it gives most of the advantages and bonus classes present in annual price bank cards, all with out charging an annual price.

This card gives one thing for everybody. You’ll be able to get pleasure from 3x bonus classes on every thing from commuting companies, journey bills, even well-liked streaming companies (like Netflix and Spotify). Plus, you'll discover buy safety advantages, cellular phone insurance coverage, and a good welcome bonus.

Right here’s a rundown of the Wells Fargo Propel advantages and perks

That's proper – even a Netflix or Hulu subscription will earn you Three factors per greenback whenever you use your Wells Fargo Propel American Categorical Card. (Photograph by Mohd Syis Zulkipli / Shutterstock)

Wells Fargo Propel American Categorical card advantages and perks

The Wells Fargo Propel is a no-annual-fee card that provides unbelievable advantages that just about everybody can get pleasure from.

Welcome bonus price $ 200 money again

Proper now, the Wells Fargo Propel bank card is providing a welcome bonus of 20,000 bonus factors after spending $ 1,000 on purchases inside the first three months of card opening.

Every level will be redeemed for 1 cent every in the direction of money again, journey, reward playing cards and different rewards. Meaning you're incomes $ 200 in rewards from a card that doesn't even cost an annual price.

Mobile phone safety

A crowd-favorite perk that lots of our readers love is free cellular phone safety. The cardboard gives nice cellular phone insurance coverage with a low $ 25 deductible. It covers as much as $ 600 per declare, and $ 1,200 per 12-month interval. There are a pair catches:

  • Misplaced telephones usually are not lined
  • That is secondary protection, that means that the protection kicks in in case your cellphone isn't lined by different insurance coverage insurance policies like householders, renters, vehicle, and employer insurance coverage insurance policies
  • Protection doesn’t apply to cell telephones which might be rented, borrowed, or obtained as a part of a pay as you go plan.
  • Digital failure or points associated to the software program of the machine usually are not lined

Total, that is nonetheless an important profit due to the low deductible.

There isn’t a cause to concern cellular phone injury when you could have safety from the Wells Fargo Propel Card. (Photograph by Orapruek / Shutterstock)

It is a perk that’s pretty uncommon on any bank card, nevertheless it's notably particular to see this on a no-annual-fee card. This provides loads of worth to the Wells Fargo Propel card.

Triple factors for on a regular basis purchases

This card comes with unbelievable bonus classes in all kinds of widespread bills. Because of this incomes 3x factors will probably be very simple, and the rewards will rack up shortly.

This card appears very effectively constructed for the millennial crowd with bonus factors on purchases from ridesharing (Uber and Lyft) to meals supply companies, Airbnb, and leisure subscriptions (Netflix, Spotify, and so on). You earn Three factors per greenback on these spending classes:

  • Consuming Out and Ordering In: This may embody meals supply, eating places, and even bars (known as “consuming locations” by Wells Fargo)
  • Journey: Flights, automotive leases, lodges, and even homestays all qualify
  • Gasoline Stations: One other well-liked class that many people spend some huge cash on every month
  • Commuting and Transportation: Parking, ferries, tolls, Lyft, Uber, bus passes, subway tickets, and extra
  • Widespread Streaming Companies: This contains purchases from well-liked companies like Netflix, Hulu, and Apple Music

You’ll nonetheless earn 1 level per greenback on all different purchases. There isn’t a restrict to the quantity of bonus factors you may earn, and your factors by no means expire so long as your account stays open. When trying via my bills every month outdoors of requirements like utilities, mortgage and automotive cost, it looks as if nearly all of my month-to-month bills would match inside these 3x bonus level classes.

You’ll be able to redeem these factors for 1 cent every in the direction of money again, journey, reward playing cards, and extra. That implies that these 3x bonus classes are successfully providing 3% money again. That's stable for any card, however particularly notable for a card that has no annual price.

Amex Affords

One of many advantages we love about American Categorical playing cards is entry to Amex Affords. These gives will be very beneficial and prevent some huge cash if a proposal comes up that you’d in any other case use.

Amex Affords is an effective way to save cash on on a regular basis purchases. These gives are basically focused rebates for utilizing your Amex card at well-liked retailers and companies. They will let you save much more whereas utilizing your card for purchasing on-line, eating, and different widespread actions.

Buy Safety Protection

The Wells Fargo Propel American Categorical additionally has your again on practically every thing you buy along with your card. Buy safety covers eligible new purchases that you simply make along with your card, in opposition to injury or theft for as much as 90 days after you purchase them. This protection extends to as much as $ 1,000 per declare and $ 50,000 per 12-month interval.

Prolonged Guarantee

One other nice strategy to defend your purchases is with an prolonged guarantee program. This profit will double the unique producer’s guarantee for as much as a most of 12 months on qualifying objects that you simply buy utilizing your Wells Fargo Propel.

They are going to pay as much as $ 10,000 or as much as the unique price of an merchandise (whichever is much less) that wants restore or substitute, if the unique guarantee is below 12 months.

Return safety

The Wells Fargo Propel has return safety that minimizes any issues you would possibly encounter when making an attempt to return an eligible merchandise that you simply bought along with your card.

Should you attempt to return an merchandise inside 90 days of buy and the service provider gained't take it again, then Wells Fargo will refund you the price of the merchandise. This protection permits as much as $ 300 per declare (not together with delivery and dealing with), for a most of $ 1,000 per yr.

Emergency Help

Emergency Help is a useful profit that gives steerage and referrals in emergencies. A lot of this steerage will be useful whereas touring, the place you would possibly in any other case be unable to search out this info or help your self. A number of the companies supplied by this perk embody:

  • Medical help referrals (both to particular person clinics or hospitals)
  • Help for authorized companies
  • Passport, visa, immunization necessities
  • Embassy and consular info
  • Referrals to interpreters
  • Pressing message relay to relations or colleagues
  • Money / bail help

Most of those companies are supplied for gratis.

Roadside help

24-hour emergency towing companies can be found to cardholders in case your car breaks down or if you’re in want of a spare tire. Companies embody:

  • Supply of gas or different commonplace fluids (like motor oil)
  • Jumpstart for lifeless or weakened batteries
  • Lockout service
  • Spare tire substitute for studios

These companies price a flat $ 59.95 and canopy 5 miles of towing. The value doesn't embody the price of issues like gas, repairs, and so on.

Misplaced or Broken Baggage Insurance coverage (worldwide)

Once you pay on your ticket with both your Wells Fargo Propel or the rewards you’ve earned along with your card, you’ve bought safety within the occasion that your baggage is misplaced or broken whereas touring. You, your home companion, and your single dependent youngsters qualify for this insurance coverage. So if the airline by accident throws your bag right into a wooden chipper as a substitute of the cargo maintain, Wells Fargo has your again.

The full insured quantity is as much as $ 1,000 per lined journey (of which not more than $ 250 will be from jewellery and fur).

You should utilize this to switch any private clothes and objects misplaced along with your baggage. It covers each checked luggage and carry-on baggage. However there are many exclusions, akin to:

  • Animals
  • Cameras and equipment
  • Cash
  • Digital gear
  • Family furnishings
  • Motor autos

Automobile Rental Insurance coverage (in North America)

This profit gives secondary insurance coverage for automotive leases whereas driving inside North America. To make use of this protection, you will need to cost the complete price of the rental onto this card. Have in mind, this insurance coverage solely covers any prices past what’s supplied by your major automotive insurance coverage supplier. This covers as much as a most of $ 50,000 in reimbursement.

Journey Accident Insurance coverage

Worldwide Journey Accident Insurance coverage offers unintended demise or dismemberment insurance coverage whereas touring on a typical service, like a aircraft, cruise, prepare, and so on. This protection features a most profit quantity of $ 150,000.

Once more, you’ll must pay for the complete fare with both your card and / or the rewards you’ve earned from the cardboard. Examples of eligible tragedies are:

  • Lack of sight
  • Lack of palms or ft
  • Lack of speech
  • Lack of listening to
  • Lack of thumb and index finger on the identical hand

Hopefully it is a profit you’ll NEVER money in.

No international transaction charges

Some bank cards cost a 3% price for utilizing your card outdoors the U.S. You don’t have to fret about that with this card!

Backside line

The Wells Fargo Propel American Categorical is an amazingly beneficial card that carries no annual price. We usually see no-annual-fee playing cards to be very restricted on further perks, however Wells Fargo actually knocked it out of the park when placing collectively the advantages of this card.

I actually assume that this is among the finest no-annual price playing cards on the market, and these card profit make it exhausting to consider that the cardboard is free to maintain:

  • Welcome bonus Price $ 200 money again
  • Cell Cellphone Insurance coverage
  • Triple factors on well-liked spending classes
  • Entry to Amex Affords
  • Buy safety protection
  • Prolonged guarantee
  • Return safety
  • Emergency help
  • Roadside help
  • Misplaced or broken baggage insurance coverage
  • Automobile rental insurance coverage
  • Journey accident insurance coverage
  • No international transaction charges

The bonus classes alone make this card price contemplating. You’ll be able to earn an efficient 3% again with wonderful classes that you simply in all probability already use on a regular basis. This contains incomes 3x factors on well-liked streaming companies like Netflix and Spotify.

Tell us the perk that excite you most in regards to the Wells Fargo Propel. and subscribe to our e-newsletter for extra digestible bank card profit breakdowns like this.

Editorial be aware: We're the Million Mile Secrets and techniques group. And we're pleased with our content material, opinions and evaluation, and of our reader's feedback. These haven’t been reviewed, permitted or endorsed by any of the airways, lodges, or bank card issuers which we regularly write about. And that's simply how we prefer it! 🙂

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