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. For a no-foreign-transaction-fee secured card, Capital One is your best bet. 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. That said, there is one credit card that doesn’t charge this type of fees. to us. Wells Fargo Propel Credit Card – Frequently Asked Questions by Peter August 18, 2018, 12:35 pm 1 Comment If you haven’t already, be sure to check out our Wells Fargo Propel Credit Card review first, as that covers the main points of the card. Finder.com is an independent comparison platform and While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. This card has no annual fee and no foreign transaction fees. It’s generally true that you can get a decent exchange rate by using your credit or debit card in a foreign ATM. ContentsApplication LinkBenefitsRecommended Application TimeSummaryRelated Credit CardsHistorical Offers ChartApplication Link Application Link Wells Fargo Propel AmEx Benefits 20k offer: earn 20,000 bonus … But they might not be the end of the story. A 3% fee on purchases might not sound like a lot, but it can add up. 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. Which Wells Fargo credit cards have foreign transaction fees? Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. A surefire way to ruin your trip: get your card blocked. No foreign transaction fee; At its core, the Wells Fargo Propel is a travel reward credit card (it’s actually one of our picks for some of the best travel credit cards). You’ve come to the right place. The fees mentioned above are charged by Wells Fargo. Foreign Transaction Fee. . A simple secured credit card that helps you build your credit. ATM transactions, cash advances of any kind, balance transfers, SUPERCHE… The exchange rate you get when you use these cards is generally set by the card companies: Visa, Mastercard or American Express. Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. A 4-digit PIN is a safer bet when traveling abroad. We strive to ensure our content is clear and honest. $5 might seem quite high, but if you withdraw a high amount, it could be better value than the percentage cut on every single transaction. If you are Although the value of the Wells Fargo Propel card comes mainly from its rewards, it does offer some nice benefits to cardholders, too. There are multiple redemption options, such as cash, travel, gift cards, merchandise and charitable donations. These promotional interest rates usually last between 12 and 15 months. If you choose US dollars, the exchange rate won’t be set by the card network, but rather by the ATM provider or bank. Your rewards never expire as long as your account remains open. All sources last checked 26 February 2019. Not sure what something’s worth? And there is no limit to how many points you can earn. 140,000 points after spending $3,000 in the first 3 months. They set their exchange rate above the mid-market rate so that they don’t have to pay as much. 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. Annual Fee. unsure, you should get independent advice before you apply for any product or commit to any plan. Foreign transaction fees. Cardholders get up to $600 in cellphone insurance per claim as long as they pay their cellphone bills with their Propel card (max $1,200 per 12-month period, with a $25 deductible). Wondering what an international ACH transfer is? If you want to use a Wells Fargo debit card abroad, you’ll probably find yourself having to pay the fees you’ll find below. The Benefits. 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. The foreign ATM might ask you which currency it should charge you in: the local currency, or US dollars. No foreign transaction fees – Jetsetters will be happy to learn there are no excess fees charged for using your card internationally. Read on to get a full overview. However when we checked Wells Fargo cards they are very unique with bonus and reward features. 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. Try to pick a rewards structure that matches your typical spending. Cash advances and balance transfers do not apply for purposes of this offer and may impact the credit line available for this offer. This scheme is known as dynamic currency conversion, or DCC for short, and it’s something best avoided. Great news— there isn't one! TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. With Wells Fargo's travel card, what can I redeem points for? We may receive payment from our affiliates for featured placement of their products or services. Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening. 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. Here are our picks for the top travel cards on the market. For example, if you’re a foodie, consider a card that offers bonus rewards on dining. But here’s one: the PenFed Gold Visa® Card. Balance Transfer Fee. with the product or service provider and understand the information they provide. 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. 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. Earn a signup bonus worth $750 with this popular travel card. Delta's luxury offering shines with access to Delta Sky Clubs, Centurion Lounges, an annual companion certificate and more valuable travel perks. High rewards rates with no annual fee is why the Wells Fargo Propel is so good. There is %3 foreign transaction for Propel American Express fee as same as other Wells Fargo cards. Optional, only if you want us to follow up with you. 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. An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership. Earn 50,000 bonus points after you spend $2,000 on purchases in the first 3 months, plus 30,000 after spending $10,000 in the first 9 months. Though there are other types without this fee, they’re less widely available. , Understanding the different options and costs involved in using Western Union can help you see if it’s the best choice for you. 3% of the transaction value. The Wells Fargo Propel 365 has an average interest rate, a low annual fee, and an average redemption value compared to similar cards. 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. The wells fargo propel card is one of the best no fee travel cards on the market thanks to its 3x point bonus. 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. Wells Fargo has only one card with no foreign transaction fee. 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. Annual Fee. Combine with other Chase Ultimate Rewards cards for even greater value. $0. 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. The Wells Fargo Propel has no foreign transaction fee, so it makes a good companion for trips abroad. No fees. The exception is the Propel American Express card, which doesn’t charge at all for foreign currency conversion.² Something to … finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. We may receive compensation from our partners for placement of their products or services. There are None foreign transaction fees, $0 annual fee and no minimums to cash out your rewards. No annual fee and no foreign transaction fees. 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. Why doesn't Wells Fargo offer many no-foreign-transaction-fee cards? This is an appealing travel credit card due to the lack of foreign transaction fees, as well. 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. No Foreign Currency Conversion Fee. Finder is committed to editorial independence. You'll be able to earn your same 3% return on travel and dining worldwide. How to Apply for a Wells Fargo Propel … 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. 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. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date. 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. Use this card outside the country and expenditures are calculated into U.S. dollars without incurring a percentage-based fee. Unfortunately there is not any credit card with no foreign transaction fee in Wells Fargo. If you want access to the mid-market rate when you get foreign currency, TransferWise’s borderless account might be for you. 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. Here’s all you need to know. 3% of the transaction value. *The fee charged by Wells Fargo Advisors on these eligible transactions will either be charged: (i) to offset taxes/charges incurred by Wells Fargo Advisors as a result of the transaction; or (ii) so that Wells Fargo Advisors may pay the applicable foreign transaction tax on your behalf where the tax is your obligation for engaging in a subject transaction. We compared nearly 100 cards to find the best deals and perks. AMEX offers. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. The Wells Fargo foreign transaction fee is 0% or 3%, depending on the card. Wells Fargo is one of the world’s largest banks, so it’s no surprise that it’s possible to use their cards abroad. Wells Fargo Platinum Visa vs. Wells Fargo Propel American Express® Card * Of the 7 credit cards Wells Fargo offers, 6 have a Foreign Currency Conversion Fee of 3%.² ³ ⁴ ⁵ ⁶ ⁷ ⁸ ⁹. 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. Last updated Feb 7, 2020. Opens in a new window. Of the 7 credit cards Wells Fargo offers, 6 have a Foreign Currency Conversion Fee of 3%.² ³ ⁴ ⁵ ⁶ ⁷ ⁸ ⁹. So you want to understand foreign transaction fees and avoid unnecessary charges while paying in foreign currency? Cash back credit cards almost always offer lower welcome bonuses than their points and miles counterparts, and these two are no exception. Have your sights set on travel this year? With a solid rewards program, a generous signup bonus and a long interest-free period on purchases and balance transfers, this card is worth considering. 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. No, the Wells Fargo Platinum card does not have an annual fee, although it does charge a 3% foreign transaction fee and 3% fee ($5 minimum) for … Wells Fargo Propel American Express has 12 reviews and ratings with an average rating of 3.8 out of 5 stars. 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. The current offer is 20k. Almost any card offered by Wells Fargo comes with a 3% foreign transaction fee. If you’re a fan too, consider the Capital One® Quicksilver® Cash Rewards Credit Card which doesn’t have foreign transaction fees. $0 intro annual fee for the first year ($99 thereafter). Pay like a local: you might have to. Almost any card offered by Wells Fargo comes with a 3% foreign transaction fee. Learn all about international and domestic wire transfers with PNC Bank. Think about which of these will work out better for you across the whole of your trip. But there’s an exception. It lets you hold money in multiple international currencies and you can convert between them at the mid-market rate. At all. But, as with other cards, there are usually charges involved. You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances, 32 East 31st Street, 4th Floor, Megan Horner is the credit cards publisher at Finder. We may also receive payment if you click on certain links posted on our site. If your travel regularly has you leaving the country, then you want to be able to avoid foreign transaction fees at all costs. Like the Wells Fargo Propel, the Discover card has no annual fee or foreign transaction fee. Wells Fargo tends to offer products geared toward everyday spending, with bonus categories such as gas and groceries. That said, there is one credit card that doesn’t charge this type of fees. Rewards never expire. The Best TD Bank credit cards are solid, but nothing special. Earn 25,000 points after spending $3,000 on purchases in the first 3 months. If yours is 6 digits, consider shortening it. But keep in mind that Discover cards don’t have very wide acceptance outside the U.S., so you may want to travel with another card as well. However, there are plenty of cards from other providers that waive this fee. Cell Phone Protection 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. Avoid exchanging currency at the airport. But it might not be worth it for consumers who want top-notch travel perks, plan to carry a balance … Please appreciate that there may be other options available to you than the products, providers or services covered by our service. 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. 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. These bonus rewards points will show as redeemable within 1-2 billing periods after they are earned. Wells Fargo is lesser-known for its travel credit cards so there are limited options when it comes to products with no foreign transaction fees. Always offer lower welcome bonuses than their points and miles counterparts, and used. All costs affiliates for featured placement of their products or services find out what all! All about international and domestic wire transfers with Bank of America return on travel and dining worldwide sure know! Can find intro APRs on purchases might not sound like a local: you might be wondering the... Debit card in a foreign fee, but it can add up cents each for award on... No fee travel cards on the market many points you can use your USD balance to pay, the may. 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