Maria Adams, Credit Cards Moderator
@m_adams
The top Wells Fargo Propel benefits include $1,200 per year in cell phone insurance, reimbursement for damaged or stolen purchases, and $150,000 in travel accident insurance. The Wells Fargo Propel has a number of other perks, too, such as a $0 annual fee, 0% foreign transaction fees, and rewards of up to 3 points / $1 spent on purchases.
Here are the top Wells Fargo Propel benefits:
- Cell phone insurance
Insures your cell phone up to $600 per claim and $1,200 per year, with a $25 deductible, when you pay your cell phone bill with the Wells Fargo Propel.
- Extended warranties
Doubles the existing manufacturer’s warranty on items you buy with the Wells Fargo Propel, adding up to a maximum of 12 months.
- Retail protection
Covers up to $1,000 per claim and $50,000 per account, per year for items you buy with your card that are damaged or stolen within 90 days.
- Return protection
Gives up to $300 per claim and $1,000 per account per year when you try to return a working, good-condition item you bought with a Wells Fargo Propel to a store and they won’t accept it.
- Travel accident insurance
Offers up to $150,000 per trip when you, your spouse, or your unmarried dependent children are in a serious accident on a trip paid for with the Wells Fargo Propel.
- Baggage insurance
Gives up to $1,000 per person, per trip when you, your spouse, or your unmarried dependent children have your bags lost or stolen while on a common carrier.
- Rental car insurance
Provides up to $50,000 in reimbursement for rental cars paid for with the Wells Fargo Propel that are damaged or stolen.
- Initial bonus
This card’s initial bonus used to be 20,000 points for spending $1,000 within the first 3 months.
Exclusions and coverage limits apply to many of these benefits, so make sure to check your Wells Fargo Propel’s guide to benefits for more details on each type of insurance.

Wells Fargo Propel American Express® card
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