This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

Metal credit cards have been available for 20 years now. One of the first was the ultra-luxury Amex Centurion in 1999. Typically, banks only use metal for some of the best premium credit cards with high annual fees. But did you know there is a Wells Fargo metal card that doesn’t have an annual fee?

The Wells Fargo metal credit card can help you get to the infamous Singapore Changi Airport. Photo by Phyo Hein Kyaw from Pexels

Terms apply to American Express benefits and offers. Visit to learn more.

While metal credit cards aren’t exactly new, metal credit cards with no annual fee are still rare. You usually need to pay a minimum $95 annual fee to have the prestige of owning one of the best metal credit cards.

The information related to Wells Fargo Propel American Express® Card has been collected by Johnny Jet and has not been reviewed or provided by the issuer or provider of this product or service.

Wells Fargo Propel Card

Wells Fargo has only one metal credit card at the moment — the Wells Fargo Propel American Express® card. It weighs 10 grams, making it one of the lightest metal credit cards. To compare, most plastic cards weigh 5 grams. Heavier metal cards like the Chase Sapphire family weighs 13 grams. The Amex Platinum weighs 18 grams.

The Propel Card doesn’t have an annual fee or foreign transaction fee. It’s arguably the best Wells Fargo credit card because of its valuable rewards program. As you will see, the Wells Fargo Propel American Express® card is one of the best metal credit cards for a reason.

Earn Up to 3x Points on Every Purchase

You earn unlimited 3x points on dining, gas, rideshares and transit, travel, and popular streaming services. All remaining purchases earn unlimited 1 point per $1 spent.

The variety of bonus categories makes it easy to maximize your daily spending.

50% Award Flight Bonus

Your points are most valuable when booking award flights on the Wells Fargo Go Far Rewards travel portal. Each point is worth 1.5 cents each. That’s 50% more than the standard redemption value for cash and gift card rewards.

Unlike most metal cards, the Propel Card doesn’t offer point transfers to airline or hotel partners. The lack of this point redemption option is one of the largest downsides for this card. However, the 50% flight redemption bonus is a worthy tradeoff.

Free Cell Phone Insurance

Paying your monthly cell phone bill with the Propel Card means you are eligible for up to $600 protection for damaged or stolen cell phones.

Although you pay a $25 deductible, this perk removes most of the financial sting of replacing your device.

Welcome Bonus

You also have the opportunity to earn 20,000 bonus points by spending $1,000 in the first 3 months. This welcome bonus has a cash reward value of $200.

You qualify for this bonus when you haven’t opened another Wells Fargo credit card in the last 15 months and received a signup bonus or introductory offers. Also, you can only apply for one Wells Fargo credit card every 6 months. Because the “1/15 rule” is more restrictive, make sure it’s been at least 15 months since you last received a Wells Fargo signup bonus.

Custom Card Design

As if the Wells Fargo metal card feature isn’t enough, you can also add your own card design. This is a free way to make your credit card unique. You can use a premade design or upload your own custom work.

Credit Score Needed for Wells Fargo Propel

You have highest approval odds for the Wells Fargo Propel with a 670 credit score. This is the start of good credit.

Existing Wells Fargo members should pay attention to these two application rules:

  • Can only apply for 1 Wells Fargo credit card every 6 months
  • Can only receive 1 Wells Fargo welcome bonus every 15 months

If you pass both of these restrictions, the Propel Card might be a good option to add to your wallet.

Best Metal Credit Cards

The Wells Fargo Propel is a tempting option, but maybe you want a metal credit card with more perks.

Chase Sapphire Reserve

Excluding additional travel benefits, the Chase Sapphire Reserve® might offer the most similar ways to earn and redeem points. You earn 3x Ultimate Rewards points on travel (once eligible) and dining. Your points are worth 1.5 cents each when booking any travel (not award flights only) through the Chase travel portal.

Other Chase Sapphire Reserve benefits include 1:1 airline and hotel transfer partners like Emirates, United, Southwest, and Hyatt. You also get a $300 annual travel credit and complimentary Priority Pass lounge access.

However, the card does have a $550 annual fee.

This metal credit card weighs 13 grams. If you happen to have $10 million in manageable assets, you might qualify for the J.P. Morgan Reserve Card. It’s similar to the Sapphire Reserve but made from palladium and weighs a whopping 27 grams.

Alternatively, this in-depth Chase Sapphire Preferred review provides further details on the Sapphire Reserve’s sister card that comes with a (much lower) $95 annual fee, travel perks, and more.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card earns unlimited 2 miles per $1 on every purchase. Your miles are worth 1 cent each for travel statement credits and booking upcoming trips on the Capital One travel portal. You also get a Global Entry or TSA PreCheck fee credit.

There is a $95 annual fee but you don’t have to worry about foreign transaction fees. The Capital One Venture Rewards review explains how you can use your miles for travel.

You might like the Capital One Venture Rewards Card because it’s a metal card. Despite having a reasonable $95 annual fee, this is one of the heaviest metal cards weighing 16 grams. Another reason to consider the Venture Card is that you only need a 670 credit score to have good approval odds.

New Capital One Venture Rewards Credit Card cardholders can earn 100,000 bonus miles after spending $20,000 on purchases in the first 12 months from account opening, or earn 50,000 miles after spending $3,000 on purchases in the first 3 months.

Learn more: Travel Rewards Credit Cards

Consider This: Read our Chase Sapphire Preferred vs Capital One Venture Rewards comparison if you’re undecided. Both cards are made of metal and have a $95 annual fee.

The Platinum Card from American Express

If you want a metal card that offers the most travel benefits and highest purchase rewards, consider The Platinum Card® from American Express.

This card has a $550 annual fee (See Rates & Fees), which makes it one of the most expensive credit cards you can earn. However, frequent flyers will easily get more mileage from the Amex Platinum versus the Propel Card.

Here are some of the Platinum Card’s most valuable perks that you can learn more about in our American Express Platinum review:

  • $200 annual airline fee credit (in the form of a statement credit; enrollment required)
  • Airport lounge access (includes Centurion, Priority Pass (enrollment required), and Delta Sky Club networks)
  • Up to $200 in annual Uber credits (terms apply)
  • Global Entry or TSA PreCheck credit
  • Terms apply

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year. Cardholders also earn 5x points on prepaid hotel bookings through

Your points are most valuable when booking award flights. Points are worth 1 cent each when booking flights through You can easily stretch your miles by transferring to the 1:1 Membership Rewards transfer partners like Delta, Emirates, British Airways, and Singapore Airlines.

New cardmembers can earn 75,000 bonus Membership Rewards® Points after spending $5,000 on purchases in the first 6 months of account opening. Cardholders also earn 10x points on eligible purchases at U.S. gas stations and U.S. supermarkets, up to $15,000 in combined purchases, during your first 6 months of card membership. When you go through the CardMatch™ tool, you might qualify for a welcome offer of 100,000 Membership Rewards.

Terms apply.

Learn more: Johnny Jet Recommended Credit Cards

Summary: A Wells Fargo Metal Credit Card Exists

Yes, there is a Wells Fargo metal credit card. The Propel Card is one of the best no annual fee travel credit cards available. You earn up to 3x points on purchases. Plus, each point is worth 50% more when booking award flights. But if you travel often, you might find more value in metal credit cards with an annual fee.

For rates and fees of The Platinum Card® from American Express, please click here.


Chase Sapphire Preferred® Card

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

3 Comments On "Does A Wells Fargo Metal Credit Card Exist?"
  1. Steve M|

    You can’t customize the Wells Fargo Propel card, I guess because of it being metal

  2. Steve M|

    It may also be an issue because it is AmEx, I’m not sure

    1. Johnny Jet Editorial|

      Could be, or it could just be their policy.

Leave a Reply

Required fields are marked *

Exit mobile version