Your points are worth 1.5 cents each for award flights on the Wells Fargo Go Far Rewards travel center. How much does it cost to use the Wells Fargo Propel American Express overseas? . Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. No fees. It could be an excellent tool on an international vacation, or if you frequently make purchases on foreign websites. The Wells Fargo Propel American Express® card has no foreign transaction fees. 20,000-Point Initial Bonus:Wells Fargo Propel’s 20,000 bonus points (worth $200) is about what the average rewards cards will give you: 22,318 points/miles. If yours is 6 digits, consider shortening it. This benefit can really add up over the course of a week-long trip. Finder.com is an independent comparison platform and Not sure what something’s worth? Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by 25,000 points after spending another $6,000 in the first 6 months. It’s unnecessary to pay an annual fee just to save on international costs. Earn 50,000 points after you spend $2,000 in the first 3 months of account opening, plus 30,000 after spending $10,000 in the first 9 months. Balance Transfer Fee. These cards are usually travel products. These promotional interest rates usually last between 12 and 15 months. At all. The Wells Fargo foreign transaction fee is 0% or 3%, depending on the card. The current offer is 20k. Wells Fargo Platinum Visa vs. Wells Fargo Propel American Express® Card * No foreign transaction fee – Though it may not be as widely accepted abroad as a Visa or Mastercard, the Propel will not charge you a foreign transaction fee. Learn all about sending and receiving money internationally with Wells Fargo. While card payments are very common in most of Europe, for example, in Germany they’re less common and not every place accepts debit card payments — so it’s always useful to carry cash. Although the value of the Wells Fargo Propel card comes mainly from its rewards, it does offer some nice benefits to cardholders, too. A 4-digit PIN is a safer bet when traveling abroad. Though there are other types without this fee, they’re less widely available. So you want to understand foreign transaction fees and avoid unnecessary charges while paying in foreign currency? Prior results do not guarantee a similar outcome. What’s the best way to pay for stuff? Wells Fargo Propel American Express® Card, 0% intro for the first 12 months (then 14.49% to 24.99% variable), 20,000 points after spending $1,000 in the first 3 months, 3x points on dining, gas, transit, travel and streaming and 1x points on all other purchases. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country. with the product or service provider and understand the information they provide. To qualify for the 30,000 bonus rewards points, a total of at least $3,000 in net purchases (purchases minus returns/credits) must post to your account within 3 months from the date your account is opened. Annual Fee. The wells fargo propel card is one of the best no fee travel cards on the market thanks to its 3x point bonus. Compared to competing rewards credit card stores, Wells Fargo Propel American Express' strengths are no foreign transaction fees, tap to pay, . Wondering what an international ACH transfer is? https://www.wellsfargo.com/online-banking/service-fees/, https://www.wellsfargo.com/credit-cards/find-a-credit-card/all/, https://www.wellsfargo.com/credit-cards/cash-back-college-card/terms, https://www.wellsfargo.com/credit-cards/secured/terms, https://www.wellsfargo.com/credit-cards/platinum-visa/terms, https://www.wellsfargo.com/credit-cards/visa-signature/terms, https://www.wellsfargo.com/credit-cards/rewards/terms, https://www.wellsfargo.com/credit-cards/visa-wise-platinum/terms, https://www.wellsfargo.com/credit-cards/propel/terms, How to make a wire transfer with Bank of America, A complete guide to ACH money transfers online, Chase debit international fees: All you need to know, Western Union international money transfer: Your full guide, Debit and credit card foreign transaction fees, Tips and tricks for using foreign cards abroad. For a no-foreign-transaction-fee secured card, Capital One is your best bet. Here’s a short list of star cards for other categories: We’re big fans of 1.5% cashback cards, which offer solid rewards on every purchase. This article will give you more information on how to use Wells Fargo credit and debit cards abroad, including: Have a read to find out if using your Wells Fargo card abroad is the right answer for you, as well as for some general tips on how to get good value for money when you’re abroad. Have your sights set on travel this year? Read on. Make sure you notify Wells Fargo, or whoever your card issuer is, before your trip, so that they’re not surprised to see a load of foreign transactions on your card. If you opened a Wells Fargo Credit Card within the last 15 months, you may not be eligible for introductory annual percentage rates, fees, and/or bonus rewards offers. If you’re a fan too, consider the Capital One® Quicksilver® Cash Rewards Credit Card which doesn’t have foreign transaction fees. Redeem Southwest Rapid Rewards points for the best value, Redeem Marriott Bonvoy points for best value, finder.com is a financial comparison and information service, not a bank or Some providers set their own exchange rates, and they generally do this by looking at the mid-market rate — an average of all the buy and sell rates — and then marking it up. Find out what are all the fees and charges, and how much time does it take. Annual Fee. WELLS FARGO PROPEL FOREIGN TRANSACTION FEE. It pays to know the details on how to spend money abroad — so that when you do travel, you can concentrate on the thing that really matters: enjoying yourself in a new place. Air Canada anticipates launching the new credit card and also joining Chase’s lineup of travel partners in 2021. If it asks you this, you should always choose the local currency. $0. While we receive compensation when you click links to partners, they do not influence our content. Be on the lookout for extra fees. But here’s one: the PenFed Gold Visa® Card. With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. You'll pay 3% fee for each transaction you make outside of the US or online with foreign merchants. Check out our foreign transaction fee guide to compare options. If you are Great news— there isn't one! The foreign ATM might ask you which currency it should charge you in: the local currency, or US dollars. If you don’t, they might assume your card’s been stolen or you’re the victim of fraud. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. With only one Wells Fargo travel card to choose from, you might want to check out other providers for more no-foreign-transaction-fee card options. But, as with other cards, there are usually charges involved. A simple secured credit card that helps you build your credit. ATM transactions, cash advances of any kind, balance transfers, SUPERCHE… However when we checked Wells Fargo cards they are very unique with bonus and reward features. $0. The Wells Fargo Propel Amex combines two things you don’t normally see in the same card: strong earning rates and no annual fee. Quite a big one. 2019.4 Update: The current offer is 30k. Finder.com LLC. Foreign transaction fees. Who It Benefits The Wells Fargo Propel American Express card is a great card for just about anyone with good to excellent credit, as the many benefits it offers provides most with some sort of worthwhile gain. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. We compared nearly 100 cards to find the best deals and perks. The Benefits. The exception is the Propel American Express card, which doesn’t charge at all for foreign currency conversion.² Something to … Try and find somewhere you get a decent deal, and if you find out an ATM is charging you half way through a withdrawal, don’t be afraid to cancel it and hunt down another ATM. AMEX offers. Shorten your PIN. Therefore, you should find out what the customs are where you’re going, and bear that in mind when deciding how much cash to withdraw. information service that aims to provide you with information to help you make better decisions. Use this card outside the country and expenditures are calculated into U.S. dollars without incurring a percentage-based fee. to us. $0 intro annual fee for the first year ($99 thereafter). Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Meanwhile the Blue Cash Preferred is offering a $250 statement credit after spending $1,000 in the first three months. It’s generally true that you can get a decent exchange rate by using your credit or debit card in a foreign ATM. Not everywhere in the world has the same culture when it comes to making payments. Almost any card offered by Wells Fargo comes with a 3% foreign transaction fee. Wells Fargo Propel American Express has 12 reviews and ratings with an average rating of 3.8 out of 5 stars. Not as competitive as the mid-market rate, but still good value. It is not intended to amount to advice on which you should rely. Rewards never expire. Learn all about international and domestic wire transfers with PNC Bank. Many no-foreign-transaction-fee cards also have intro APRs on purchases, balance transfers or both. Take a second card if you have one (and store it separately), and make sure you know how to get in touch with Wells Fargo while you’re abroad. So. The fees mentioned above are charged by Wells Fargo. Enjoy unique excursions, privileged access to exclusive events and insider opportunities. This scheme is known as dynamic currency conversion, or DCC for short, and it’s something best avoided. With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. There are multiple redemption options, such as cash, travel, gift cards, merchandise and charitable donations. A: The Wells Fargo Propel American Express card is worth it for cardholders who want flexible rewards and a sign-up bonus without an annual fee. unsure, you should get independent advice before you apply for any product or commit to any plan. And it won’t be a good rate. If you choose US dollars, the exchange rate won’t be set by the card network, but rather by the ATM provider or bank. product provider, We cannot provide you with personal advice or recommendations, Petal® 2 "Cash Back, No Fees" Visa® Credit Card, Southwest Rapid Rewards® Priority Credit Card, Southwest Rapid Rewards® Premier Credit Card, Delta SkyMiles® Gold American Express Card, Hilton Honors American Express Surpass® Card, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Reserve American Express Card, Marriott Bonvoy Brilliant™ American Express® Card, consider the Capital One® Quicksilver® Cash Rewards Credit Card, Journey® Student Rewards from Capital One®, consider a card that offers bonus rewards on dining, intro APRs on purchases, balance transfers or both, Check out our foreign transaction fee guide, Air Canada to launch new Chase credit card in the US. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. Unfortunately there is not any credit card with no foreign transaction fee in Wells Fargo. How to Apply for a Wells Fargo Propel … Tell your bank before you go. The Wells Fargo Propel has no foreign transaction fee, so it makes a good companion for trips abroad. No annual fee and no foreign transaction fees. These are far from the best bonus offers available right now, meaning you’ll want to pick t… Non-travel, low-APR cards with no foreign transaction fees are a bit hard to find. Earn 25,000 points after spending $3,000 on purchases in the first 3 months. Car rental loss and damage insurance – As long as you charge the entire cost of your rental car to your Propel card, you’ll receive excess coverage (cost not covered by other plans) up to $50,000 per rental. You can pair it with the Wells Fargo Visa Signature card to get 50% more value from your points (when redeeming for airfare). As well as sending Wells Fargo a message, make some extra backup plans. It’s difficult partly because there are so many options, from getting holiday money or a specialist travel money card, to simply using your regular credit or debit card. Cash back credit cards almost always offer lower welcome bonuses than their points and miles counterparts, and these two are no exception. Wells Fargo Propel: Pricing information including interest rates, benefits and fees was obtained on May 20, 2020 from published websites and is believed to be accurate, but not guaranteed. TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. Whether traveling near or far, the Wells Fargo Propel American Express® card is a great card to bring along as it doesn't charge you extra for any foreign transactions that you make. Optional, only if you want us to follow up with you. This is an appealing travel credit card due to the lack of foreign transaction fees, as well. One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. It lets you hold money in multiple international currencies and you can convert between them at the mid-market rate. Read on to get a full overview. 9. We strive to ensure our content is clear and honest. . Here’s all you need to know. Our picks for the best no-annual-fee cards. If you think that might apply to you, check with Wells Fargo.¹. At ATMs, the best exchange rate is always the local one. Here are our picks for the top travel cards on the market. Think about which of these will work out better for you across the whole of your trip. Foreign transaction fees. Though you can find intro APRs for 18 to 21 months, the cards may come with foreign transaction fees. Dashers can get instant access to earnings, plus 2% cash back at gas stations with this prepaid card. When deciding between no-foreign-transaction-fee credit cards, first determine what rewards categories are important to you. So most people with a Wells Fargo credit card or debit card will pay an extra 3% on purchases from a foreign merchant, both in-person and online. It’s also why using credit and debit cards abroad is often quite good value. For example, if you’re a foodie, consider a card that offers bonus rewards on dining. ATM fees are hard to be precise about, because it’s not just Wells Fargo that might charge you: the ATM operator could end up charging fees as well. That said, there is one credit card that doesn’t charge this type of fees. Your particular account might have a different breakdown of fees charged. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. The Wells Fargo Propel American Express® Card stands out as both a top credit card and a top travel rewards card because there's no annual fee and no foreign transaction fees. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. You'll be able to earn your same 3% return on travel and dining worldwide. 3% for 120 days, then 5%How to Transfer a Balance on a Credit Card. We may receive payment from our affiliates for featured placement of their products or services. Earn flat rewards on all of your purchases. If you find yourself unsure how many dollars something’s worth, check out an. Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening. Megan Horner is the credit cards publisher at Finder. If you want access to the mid-market rate when you get foreign currency, TransferWise’s borderless account might be for you. Let’s start with debit cards. Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. And there is no limit to how many points you can earn. Whatever your travel plans, there are always a few tips to remember to get a decent deal. No foreign transaction fee. While the Wells Fargo Propel American Express® card doesn't charge foreign transaction fees, American Express isn't as widely accepted outside the U.S. as are Mastercard and Visa. However, there are plenty of cards from other providers that waive this fee. Good luck during your trip, and make sure you know how to make your Wells Fargo card work for you. No Foreign Currency Conversion Fee. The answer is very simple: exchange rates. Which Wells Fargo credit cards have foreign transaction fees? Prepare for the worst. Here are our picks for the best store cards of the year. The Wells Fargo Propel American Express® card is currently offering a bonus of 20,000 points (worth $200) after spending $1,000 in the first three months. The exchange rate you get when you use these cards is generally set by the card companies: Visa, Mastercard or American Express. No foreign transaction fees – Jetsetters will be happy to learn there are no excess fees charged for using your card internationally. Compare 6 lenders to find one that’s a good fit for your needs. So the below fees are the ones that will likely come from Wells Fargo when you use an ATM card — unless they’re different for your particular account — but there’s always the chance there’ll be other, non-Wells Fargo fees too.¹. A 3% fee on purchases might not sound like a lot, but it can add up. With a Wells Fargo debit card, the key fee to bear in mind is $5 for an ATM withdrawal or 3% for payments directly with the card. Know how to send, receive, and all the fees included. Almost any card offered by Wells Fargo comes with a 3% foreign transaction fee. If your travel regularly has you leaving the country, then you want to be able to avoid foreign transaction fees at all costs. 3% of the transaction value. That’s why it always pays to look out for decent exchange rates: the rate can end up costing you a lot. Wells Fargo Cash Wise: Pricing information including interest rates, benefits and fees was obtained on May 19, 2020 from published websites and is believed to be accurate, but not guaranteed. It's great for All Rewards. This card boasts a welcome offer worth up to $720, an annual companion certificate and valuable Delta perks. The currency markets are constantly changing during the day — but exchange rates also change depending on where you look. With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Compare and contrast: cash or card? Consider cards such as the Deserve® Edu Card and Journey® Student Rewards from Capital One®. Pay like a local: you might have to. Wells fargo advisors clients can take advantage of our credit cards that offer travel benefits rich rewards convenience and more. You might be wondering what the basic reason is why it’s so hard to get a good deal when spending money abroad. ATM fees will be dealt with separately below. Know how to send, receive, all the fees included and the address required. Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. and Card Value Calculator. Avoid exchanging currency at the airport. Opens in a new window. When you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card, you'll get up to $600 of protection (subject to $25 deductible) against covered damage or theft. There is no foreign transaction fee for the Wells Fargo Propel AMEX Card making it a superb choice for international travel. Learn all about international and domestic wire transfers with Bank of America. This card has no annual fee and no foreign transaction fees. Or how to make one? And the rates they set tend to be competitive. Try to pick a rewards structure that matches your typical spending. Wells Fargo has only one card with no foreign transaction fee. 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