Wells Fargo Propel 365 American Express®
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Wells Fargo Propel 365 American Express® from Wells Fargo earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the Wells Fargo Propel 365 American Express earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Propel 365 American Express compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Wells Fargo Propel 365 American Express compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Wells Fargo Propel 365 American Express?
The Wells Fargo Propel 365 American Express fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
Wells Fargo Propel 365 American Express fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Wells Fargo Propel 365 American Express have an annual fee?
The Wells Fargo Propel 365 American Express has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Wells Fargo Propel 365 American Express?
The Wells Fargo Propel 365 American Express includes Cell Phone Protection, Extended Warranty, Lost Luggage Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrUp to 1 additional year on original manufacturer's warranty of 3 years or less.
Purchase Protection
$10,000/yrUp to $1,000 per eligible purchase within 90 days of the purchase date.
Cell Phone Protection
$7,200/yrUp to $600 of cell phone damage and thief protection. Subject to a $25 deductible.
Lost Luggage Protection
$3,000/yrUp to $1,000 in coverage per passenger. Applies when luggage is lost or damaged by the common carrier.
Return Protection
$1,000/yrUp to $300 per eligible purchase within 90 days of the purchase date. Maximum of $1,000 per year, per account.
Rental Insurance
$25/yrCovers damage due to collision or theft. Must decline the Collision Damage Waiver (CDW) at the rental company counter. Coverage is secondary to personal insurance.
Travel Insurance
$25/yrUp to $250,000. Provides accidental death & dismemberment coverage.
Related encyclopedia topics
Common questions about the Wells Fargo Propel 365 American Express
Does the Wells Fargo Propel 365 American Express have an annual fee?
The Wells Fargo Propel 365 American Express carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Wells Fargo Propel 365 American Express?
Dining is the strongest Madeen category for the Wells Fargo Propel 365 American Express at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Wells Fargo Propel 365 American Express charge foreign transaction fees?
The Wells Fargo Propel 365 American Express does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Wells Fargo Propel 365 American Express?
Madeen's catalog lists a typical credit range of Good for the Wells Fargo Propel 365 American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Wells Fargo Propel 365 American Express?
Rewards on the Wells Fargo Propel 365 American Express post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Wells Fargo Propel 365 American Express?
To maximize the Wells Fargo Propel 365 American Express, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Wells Fargo Propel 365 American Express compare to similar cards?
Compare the Wells Fargo Propel 365 American Express against One Key (3% on Dining, $0 fee); One Key+ (3% on Dining, $99 fee); Wells Fargo Autograph℠ (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Wells Fargo Propel 365 American Express This card | Dining | 1% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure