It seems like every card issuer is upping the signup bonuses to attract new applicants towards the end of the year. Barclays has just increased signup bonus on its popular Arrival Plus WEMC from 60,000 miles to 70,000 miles while waiving the first year annual fee. These miles are not and can not be transferred to frequent flyer miles, unlike those miles earned from Arrival Premier WEMC; instead, they can be redeemed to cover any travel expense at least $100 at 1 cent per mile and you also receive 5% of the redeemed miles back each time. In this way, the signup bonus is worth $735 in travel. This is very similar to Capital One Venture Card's 75K offer.
Barclays Arrival Plus increases signup bonus to 70,000 miles with the first annual fee waiver11/19/2018
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Several cards are offering increased signup bonuses - please always check out our Promotions page for the latest credit card signup offers, sorted by our valuation.
 Since three weeks ago, there have been "rumors" about upcoming major changes to Citi Prestige, which has been temporarily discontinued to new applications since August. It seems like Citi has learned a lot from Chase regarding this type of marketing strategies - remember two years ago before Chase unveiled Sapphire Reserve there had been all these down-to-details type of rumors about the new card circulating around for months. When the "rumors", a.k.a. strategic sourcing of unofficial information, started three weeks ago, I called Citi and the custom service representatives did not disclose or confirm any of the information that was circulating around. But I knew the information was highly likely to be accurate. Now we finally have it - official words from Citi: existing Prestige cardmembers started receiving emails from Citi regarding the revamp and Citi now also have a dedicated page for this information at information.citi.com/prestige/intro.
The changes will start kicking in on January 4, 2019 when supposedly Citi Prestige will be back online for new applications. I ran some quick numbers and it seems like as long as Citi offers at least 20K points signup bonus, Prestige will finally take the crown back from Sapphire Reserve as the #1 Best Credit Card by Dr. Credit Card, after about 2.5 years later. We won't update the list until then, but let's first look at the changes.
In general, with the already impressive perks and protection and the dramatic increase in category bonuses, Citi Prestige is surely on the way to take back the glorious #1 Best Credit Card spot. As an existing cardmember who has been thinking about canceling Prestige after obtaining Sapphire Reserve, I can't wait 2019 to come!  Just about a month after revamping the personal Gold Card, Amex did it again with the new Business Gold Card with the following changes.
In general, even with the increased annual fees, the new card represents a major enhancement over the old card, especially considering that the non-fee Amex Blue Business Plus already offers very impressive 2x points on everything and the old Business Gold Rewards Card only returns one extra point on one single category which we have been criticizing as lackluster. Now the new Business Gold Card pairs extremely well with Blue Business Plus by adding two extra points for two major categories. You only needs to spend approximately $10K on 4x categories each year to beat the $295 annual fee, and everything beyond that will be your net earning with this card. For example, if your business' annual 4x category spending is $30K, you will earn approximately $600 in addition to your Blue Business Plus. In addition, you may even strategically add the personal Amex Gold Card to the mix and use it for 4x on groceries and dining while using Business Gold Card for 4x on airfare and gas (or other categories). Of course, if you value the lucrative travel perks such as airport lounge access and luxury hotel privileges by having the personal or business Amex Platinum Card, you will have 5x points on airfare and can adjust your 4x categories accordingly. The Amex MR ecosystem finally becomes internally harmonic and poses a great threat to the Chase UR ecosystem. At least on paper, Amex seems leading the way. We will have a separate post to compare two ecosystems.  Amex has just revamped its Premier Rewards Gold Card and rebranded it simply as Amex Gold Card. The annual fee is increased from $195 to $250 and not waived anymore, but Amex adds $10 monthly dining credits (up to $120 per year) at participating restaurants - Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House and participating Shake Shack locations (excluding Shake Shack locations in ballparks, stadiums, airports and racetracks). While we consider the (unchanged) $100 annual airline credit as an effective annual fee reducer, we are not sure about the new dining credits - we would rather view them as extra perks. The public signup bonus is now 50,000 points and up to $100 statement credits (20% return on U.S. restaurants capped at $100 in bonus). Note that the 50K points bonus is not available if you have or had this card or Amex Premier Rewards Gold Card. Amex is also upgrading the card material from plastic to metal. Another interesting marketing trick is that Amex now offers a limited edition Rose Gold metal card design if you apply before January 9, 2019.
The biggest change comes in the rewards structure: the 3-2-1 structure is replaced by a 4-3-1 structure. The 3x points on airfare remains the same; 2x on U.S. gas stations is eliminated; U.S. groceries and U.S. restaurants receive a bump from 2x to 4x (grocery spending has a $25K annual cap). The last part is unexpectedly and crazily lucrative - for example, if you spend $7K in groceries and $8K in dining each year, you will receive an extra bonus of 30K Membership Rewards (MR) points compared to the old card (valued at $450 in our book)! Considering the fact that the old PR Gold Card had already been pretty impressive in the bonus department, this move is HUGE. We are excited to see its position on the Best Credit Cards for Rewards list jumps from #8 to #2, now just below Amex EveryDay Preferred. Even though the Amex Gold Card still lags behind in Perks and Protection, it made a strong come up to our Top 10 Best Credit Cards list with a nice #5 finish. How about the exiting Premier Rewards Gold cardmembers? They have the best deals - the annual fees will be kept at $195 until April 1, 2019 and the 2x points on gas stations will be grandfathered in until October 4, 2019. Amex is very generous in this regard. Amex has increased welcome bonuses on the Hilton co-branded credit cards, for a limited time. The landing page for all four cards is here.
Amex Hilton Aspire Card ($450) 150K + one free night @ signup Amex Hilton Ascend Card ($95) 125K Amex Hilton Business Card ($95) 125K Amex Hilton Card ($0) 75K Even with the highest annual fee, Amex Hilton Aspire Card, our #2 Credit Card for Perks, will be our recommendation as long as you stay at Hilton portfolio hotels a few times a year, because other than the signup bonus, it offers $250 annual airline credit, $250 annual Hilton resort credit, one annual free weekend night (Friday/Saturday/Sunday), complimentary Hilton Diamond status (their top-tier elite status), Priority Pass Select membership for airport lounge access, premium roadside assistance (better than your regular AAA membership), etc. The free night can be redeemed at any Hilton portfolio hotels worldwide, and Hilton's most expensive hotels require 70,000 to 95,000 points or $400 to over $1,000 in cash per night. Some examples of exceptional redemption for the weekend free nights: Conrad Maldives, Conrad Koh Samui, Conrad Bora Bora Nui, Conrad Tokyo, Hilton Seychelles Labriz, Hilton Seychelles Northolme, Waldorf Astoria Beverly Hills, Grand Wailea A Waldorf Astoria Resort, and Waldorf Astoria Park City (in peak seasons). August 26, 2018 is a date when several Chase credit card related changes kick in. First of all, Chase has eliminated two consumer protection benefits: Price Protection (for all Chase cards) and Return Protection (for Sapphire Preferred, Freedom, Freedom Unlimited, Ink Preferred, United Explorer, and probably other products). Secondly, Korean Air which used to be a great transfer partner for redeeming Ultimate Rewards points has been removed; on the other hand, JetBlue is added as a transfer partner and the transfer ratio of 1:1 is actually better than the competitors' (Amex Membership Rewards, Citi ThankYou, Marriott Rewards). Lastly, JPM Ritz-Carlton Visa Infinite, which has been discontinued to new applications since late last month, receives two enhancements for its existing cardmembers - an annual Marriott portfolio free night capped at 50K points and one extra point earning for all categories. If you currently have this card, there are many reasons to keep it as long as you can. In addition, we regularly review the current and recent (within a year) signup bonuses as well as the availability of the top credit cards for adjustment of our ranking. As a result, our Top 10 Best Credit Cards list has been updated. Below is a before and after comparison. As you can see, Amex SPG Card, which used to be a powerhouse for general spending, has disappeared from the list because the earning rate has been reduced from 3x Marriott points (i.e. 1x SPG points in the old system) to 2x Marriott points as of August 1, 2018. Citi Prestige, which has been pulled from Citi website and unavailable to new applications but will be relaunched in the near future, has been removed as well (hopefully temporarily). Chase United Club Visa is now #7 due to the consistent signup bonus of 50K miles. Also note that the enhanced JPM Ritz-Carlton Visa could have landed on this prestigious list for the very first time and also replaced Amex Platinum Card as the #1 Credit Card for Perks if it has not been discontinued to new applications, and unlike Citi Prestige, it seems that Chase has no plan of relaunching this premium card due to the Marriott-Amex-Chase agreement that makes Amex the issuer of premium Marriott credit card.
American Express Starwood Preferred Guest (SPG) Luxury Card is finally here, with a 100K signup bonus. Our review is now alive. The card is totally worth keeping after the first year thanks to the annual $300 Marriott credits and the free night capped at 50K points level. For your information, the new Marriott program has 8 redemption categories, and 50K points are required for a Category 6 standard awards night. We have also updated the High-end Credit Card Comparison, as well as quite a few related reviews.
The Facts
The Math First of all, the effective annual fee of Amex SPG Luxury Card is very reasonable at $150 after considering the easy-to-use $300 annual Marriott credits. With that, you receive several valuable perks including the 50k-point free night, 15 elite qualifying night credits, and Priority Pass Select membership. Even though Marriott points are probably our favorite frequent traveler currency (thanks to Marriott's decision of keeping SPG's best feature), the earning rate of 2x points in the general spending category offered by this card (as well as any other Marriott credit cards) is not that impressive, especially compared to the old Amex SPG which technically returned 3x Marriott points for general spending. Our current valuation of Marriott points is 0.75 cent a piece, which means that this card returns 1.5%, 2.3%, 4.5% travel rewards for the 2x, 3x, and 6x categories, respectively. For general spending, you might want to consider a 2% cashback card without annual fees (such as Citi Double Cash) or a miles credit card with potential higher return such as Amex EveryDay Preferred (which returns 2.25% travel rewards when you have at least 30 transactions per month) and Chase Freedom Unlimited (which returns 2.25% travel rewards when you pair it with Chase Sapphire Reserve or similar premium UR cards). The bottom line is that we won't recommend this card for spending, probably except for purchases at Marriott hotels. In this way, this card is considered a great "drawer card". How about spending $75K to get the lucrative Marriott Platinum status? Let's use 2% cashback as the benchmark - your "complimentary" Marriott Platinum essentially costs you $75,000 x (2% -1.5%), i.e., $375 per year. This may be reasonable for some travelers but probably not for most. Amex SPG Luxury vs. Amex SPG: the effective annual fee on the SPG Luxury Card is only $55 more than the lower-tier SPG Card. With that, you get a 50K-point free night instead of a 35K-point free night, Marriott Gold for free instead of spending $35K, the potential Marriott Platinum after $75K spending, as well as Priority Pass Select membership, Premium Roadside Assistance, etc. It is almost a no-brainer to pick the more expensive card as long as you stay at least a few nights at Marriott portfolio hotels. Amex SPG Luxury vs. Amex Hilton Aspire: As the flagship credit card in each of their program, each card carries a $450 annual fee and offers complimentary Priority Pass Select membership with unlimited access for you plus two. How do they compete with each other? Let's first compare the annual statement credits - SPG Luxury offers $300 for any Marriott portfolio hotel purchases, while Hilton Aspire offers $250 for airline incidentals plus $250 for Hilton portfolio resorts; obviously, SPG's credits are easier to use, but Hilton's total credits are $200 more - considering both the absolute value and how easy to use, we call it a draw. Secondly, let's look at the annual free nights - Hilton Aspire wins this one as the annual free weekend night can be redeemed at any Hilton portfolio hotels, while SPG Luxury's free night is capped at 50K-point properties (a top-tier hotel requires 70K-100K). Thirdly, Hilton Aspire's complimentary Diamond status again blows SPG Luxury's complimentary Gold status out of water. Marriott Platinum status will be a good match of Hilton Diamond status, but it does require a whooping $75K annual spending on the card. Lastly, while we don't recommend either card for general spending, charging the hotel purchases to either card does make sense and the value actually compares well - Hilton Aspire's 14x points (5.6% cash equivalent return in our book) vs. SPG Luxury 6x points (4.5% in our book and offering more flexibility due to the valuable airline miles transfer). In general, Amex Hilton Aspire packs more value in our opinion, but which to pick actually heavily depends on which frequent guest program you are more loyal to. To see how Amex SPG Luxury Card competes with other cards with similar annual fees, please check out our featured review Comparing High-end Cards covering Amex Platinum Card, Amex Delta Reserve, Amex Hilton Aspire, Amex SPG Luxury, Chase Sapphire Reserve, Chase United MP Club, Citi Prestige, Citi AA Executive, U.S. Bank Altitude Reserve, CNB Crystal, and MasterCard Black Card. The Conclusion Amex SPG Luxury, with the annual $300 Marriott credits and the anniversary free night, is such a great card to keep without ever spending a dime on, even for travelers that only stay at Marriott portfolio hotels just a few times a year. For travelers that frequent Marriott, this card's 6x points on Marriott purchases, 15 elite qualifying night credits, and the potential Marriott Platinum after $75K spending, are all worth looking into. It is currently rated as one of Best Credit Cards for Perks. With the final integration of Marriott Rewards and Starwood Preferred Guest (SPG) programs, we have updated our Featured Review: Marriott Rewards vs. Membership Rewards (MR) vs. Ultimate Rewards (UR) vs. ThankYou (TY) vs. Club Rewards (CR).
In this review we will compare five most popular and versatile rewards programs in the market. They are similar in that their points can be transferred into miles/points of a number of frequent traveler programs (airlines/hotels). Marriott Rewards Marriott Rewards is the frequent guest program of Marriott International whose hotel portfolio includes Ritz-Carlton, St. Regis, Luxury Collection, JW Marriott, EDITION, W Hotels, Marriott, Renaissance, Delta, Gaylord, Autograph Collection, Sheraton, Westin, Le Meridien, Tribute Portfolio, Design Hotels, Courtyard, AC Hotels, Fairfield, SpringHill Suites, Protea, Moxy, Four Points, element, aloft, Residence Inn, TownePlace Suites, Marriott Executive Apartments, and Marriott Vacation Club. Marriott points can be valuable when redeemed for hotel stays in Marriott portfolio hotels. Here we don't want to go into details of hotel redemption, please visit marriott.com for more information. Marriott points can be extremely valuable when transferred into miles of 40+ frequent flyer programs, mostly at 3:1 ratio. This ratio may seem low compared to other programs, but you have to understand this essentially represents the same value as the old Starwood Preferred Guest (SPG) points which transfer to airline miles at 1:1 and to Marriott points at 1:3 before the final integration of Marriott Rewards and SPG programs. In fact, with the merger, the number of airline partners actually further increased from 34 to 44. As Marriott points are generally obtained more easily than the points in the other programs in this review, they do continue to represent great value.
Most importantly, if you transfer 60,000 points you receive a bonus of 15,000 points, i.e., 60K Marriott points = 25K miles, or 2.4 Marriott points = 1 mile of most partners. You can transfer your Marriott points to a household member's Marriott account but there is paperwork you will have to do and sign. However, you can only transfer your Marriott points to a frequent flyer account under your name. In addition, you might redeem Marriott points for the Travel Packages (Hotel + Air Packages): your points will be converted to a certain number of frequent flyer miles plus a seven-night hotel certificate at a certain redemption level. Marriott revamped the Hotel + Air charts in August 2018, with major devaluation. The new travel packages do not represent good value compared to the simple miles transfer without the hotel certificate; for example, you might redeem 330K Marriott points for 100K miles plus a 7-night certificate at Category 1-4 hotels - you essentially only save 60K points for the hassle of finding a single hotel to stay for 7 consecutive nights. Membership Rewards (MR) from American Express On the earning side, you earn one extra point for each dollar spent on travel booked through MR (American Express Travel); however, Amex charges a booking fee on airfare or air-hotel packages ($6.99 per domestic ticket; $10.99 per international ticket) so most likely it is not a good deal. Effective May 2015, Amex waives the booking fee for Platinum and Centurion cardmembers. Amex used to have a shopping portal that allowed you to earn up to 10X bonus points; however, it was closed in 2013. On the redemption side, MR points can be redeemed for merchandise, gift cards, travel (Pay with Points), and so on, at up to 1 cent per point. However, some cards are eligible for a transfer feature that allows points to be transferred to over 20 frequent traveler programs. Let's look at these two groups:
MR points can be transferred into miles or points of the following programs: Airline Partners
Compared to airline miles transfer, hotel points transfer does not represent good value. Even though MR does not have the built-in 25% transfer bonus like Marriott, Amex runs limited-time transfer promotions on certain partners several times a year, so the value of MR points can be higher. Another huge advantage of MR over Marriott is that the transfer to most partners is instantaneous rather than days or weeks. This can be very useful when you find a particular award ticket available and want to grab it immediately before it is taken. The downside of MR is that Amex charges 0.06 cent per point up to $99 for transfer to domestic airlines. For example, if you transfer 100K points to 100K Delta miles, you will be charged $60 for the transaction. You can not transfer your MR points to someone else's MR account. However, you can transfer your MR points to your authorized user's frequent traveler accounts. Three Ways of Using MR points for Airfare: In addition to the aforementioned two options to redeem MR points for airfare - Pay with Points (fixed value, 1 cent per point) and the transfer feature, Amex also offers certificates for economy tickets for the following airlines: Cathay Pacific, Swiss, Qantas, and South African Airways. Note that they (except Swiss) are not transfer partners: you can't transfer MR points to their miles but you rather use a bulk of points in exchange for certificates that can be used for economy tickets (or companion tickets). The use of certificates is not subject to capacity control and you can actually earn miles on them. There is no certificates for business or first class tickets. For example, using the certificate a round-trip economy ticket on Swiss from SFO/LAX to Europe costs 65K points no matter how much the revenue ticket actually costs. If you use Pay with Points feature and the revenue ticket costs $1,000, you will need 100K points. For comparison, if you want to use Swiss' own frequent flyer program - Miles and More, which by the way is a transfer partner of Marriott, it will cost 50K miles plus fuel surcharge (which can be as high as, say $400) and is subject to capacity control. Ultimate Rewards (UR) from Chase Chase Ultimate Rewards (UR) is a knock-off of Amex Membership Rewards. On the earning side, you earn one extra point for one dollar spent on airfare booked through UR, but unlike Amex, Chase does not charge a booking fee. You also earn up to 10x points when shopping through UR. The regular UR program allows redemption for merchandise, gift cards, cash, and travel, at up to 1 cent per point. However, premium UR cards including Sapphire Preferred ($95), Sapphire Reserve ($450), JPM Reserve ($450), and Ink Preferred ($95), have two premium redemption features: one is 25% bonus to travel redemption via UR (1 point = 1.25 cent); the other is to transfer points into miles/points of frequent traveler programs. Just like MR, transfer from UR to miles/points is instantaneous. Also like MR, if you have a regular UR card such as Freedom and another premium UR card such as Sapphire Preferred, you can pool all UR points together and enjoy the premium features. You can transfer your UR points to the UR account or a frequent traveler account belonging to one household member. Points transfer to third parties is prohibited. Currently, UR has the following partners: Airline Partners
ThankYou (TY) from Citi For several years, Citi's ThankYou Rewards (TY) had been lagging behind with only one transfer partner Hilton HHonors (this relationship ended in December 2017), and we were excited to see that Citi finally introduced several airline partners in July 2014. Currently there is no points earning for shopping with Citi. The regular TY program allows redemption for merchandise, gift cards, statement credit, and travel, at up to 1 cent per point. However, premium TY cards including Citi ThankYou Premier ($95), Citi Prestige ($450), and Citi Chairman, have a transfer feature similar to Marriott, MR, and UR, that allows ThankYou points to be transferred to frequent traveler programs. If you have a regular TY cards such as ThankYou Preferred, you may pool all your points together and the points earned through the regular TY cards become eligible for transfer. You may share your TY points with someone else; however, the shared points will expire in 90 days. You can only transfer your TY points to a frequent traveler account under your name. TY partners include the following:
Club Rewards (CR) from Diners Club Club Rewards from Diners Club has always had the transfer feature that allows points to be transferred to miles/points. Club Rewards points earned from Diners Club cards such as Diners Club Premier ($95) and Diners Club Elite ($300), both of which hasn't been accepting new applications since late 2014, can be redeemed for merchandise, gift cards, cash, travel, etc., at up to 1 cent per point. In addition, CR points can be transferred to the following frequent traveler accounts, mostly at 1:1: Airline Partners
For the master comparison chart, please see the updated review. We finally review the relaunched Wells Fargo Propel Amex, which drops the annual fees and expands bonus categories. When you also have Wells Fargo Visa Signature, Propel Amex is a powerhouse for bonus category rewards (travel & gas & dining & streaming) and poses a great challenge to some of our favorite credit cards.
The Facts
The Math Because Wells Fargo Go Far Rewards program does not allow points to be transferred to frequent traveler miles/points, the value of this Amex heavily depends on whether you have another Well Fargo card (Visa Signature) to achieve the redemption value of 1.5 cpp (or even 1.75 cpp when annual spending exceeds $50K). Let's first look at how difficult it is to achieve 1.75 cpp value. If you spend $50K on the Visa Signature, you essentially lose $50,000 x (2% - 1.75%) = $125 per year, compared to the 2% cashback you can easily earn with quite a few non-fee cards (such as Citi Double Cash). In the meantime, you gain an additional (1.75 - 1.5)% x 3 = 0.75% on the 3x bonus categories with Propel Amex. Thus, you will need to spend at least $16.7K on the 3x categories to offset the $125 you lose on general purchases, as $16.7K x 0.75% = $125. To hit the maximum 1.75 cpp value and still come out ahead, you will need to spend $50K on non-bonus categories with Visa Signature and $16.7K on 3x categories with Propel Amex, which is nevertheless a very tough requirement. The bottom line is that 1.75cpp value looks amazing on paper but is not easily achieved in reality. So let's use the more realistic 1.5 cpp value in our analysis. With the Visa Signature in your drawer, Propel Amex is able to cover a wide range of 3x bonus categories: airfare, non-airfare travel, dining, gas, and streaming, with a return rate of 4.5% rewards. The return rate for general spending at 1.5% is not bad either. However, we still recommend a 2% cashback card for general spending instead. Wells Fargo Propel Amex vs. Citi ThankYou Premier: First of all, Citi ThankYou Premier carries a $95 annual fee while Wells Fargo Propel Amex has none. Currently, points in the two programs have similar values in our book (assuming you have Wells Fargo Visa Signature). Propel Amex returns 3x points on travel & gas & dining & streaming, while ThankYou Premier returns 3x points on travel & gas and 2x dining & entertainment. Obviously, while the old Propel World Amex failed to match ThankYou Premier, the updated Propel Amex actually leaves ThankYou Premier in the dust with regards to bonus categories. The most important difference between the two, however, is how the 1.5 cpp value is achieved: on Propel Amex, you redeem for airfare at a fixed rate of 1.5 cpp when you also have Wells Fargo Visa Signature; on ThankYou Premier, this value could only be achieved when you transfer ThankYou points to miles of airline partners, usually for premium cabin awards tickets. Wells Fargo Propel Amex vs. Chase Sapphire Reserve (CSR): The updated Propel Amex nows poses a great challenge to our favorite CSR. First of all, even considering the $300 annual travel credits, CSR's effective annual fee is still $150. Secondly, Propel Amex offers two additional 3x categories - gas & streaming. Looks like on paper, Propel Amex has CSR beaten up pretty badly. However, CSR's $150 effective annual fee gets you quite some nice perks such as airport lounge access, luxury hotel privileges, primary rental car coverage, and better consumer travel and purchase protection. In addition, while Ultimate Rewards points earned from CSR might be redeemed for airfare at the same fixed value of 1.5 cpp, they might also be transferred to miles of airline partners, recommended for premium cabin awards tickets. Lastly, getting Propel Amex to hit the magical 1.5 cpp does require having another Wells Fargo card. If you haven't had Wells Fargo Visa Signature, it is recommended to get Propel Amex first with the signup bonus, start using it for 3x categories, and open Visa Signature six months later to activate the 1.5 cpp value. Wells Fargo Propel Amex vs. US Bank Altitude Rewards: Unlike Citi ThankYou or Chase Ultimate Rewards programs, US Bank Altitude Rewards doesn't have a miles transfer feature. So a comparison between Wells Fargo Propel Amex and US Bank Altitude Rewards Visa is much easier, as both have the fixed 1.5 cpp value for airfare redemption. Altitude Rewards has an effective annual fee is $75 after considering the annual $325 travel credits and offers some premium perks such as airport lounge access, luxury hotel privileges, primary rental car insurance, and GoGo inflight internet. When it comes to rewards, Altitude Rewards returns 3x points on travel & mobile payment services, while Propel Amex returns 3x travel & gas & dining & streaming - we think Propel Amex has better rewards for most consumers. So if you don't need the travel perks from Altitude Rewards or you have received similar perks from other cards, Propel Amex will be a better card, as long as you also have Wells Fargo Visa Signature. The Conclusion With the relaunch of Propel Amex, which drops the annual fees all together and expands bonus categories substantially, Wells Fargo tries very hard to earn customers. We welcome the positive changes. When you have Wells Fargo Visa Signature to increase points value to 1.5~1.75 cpp, Propel Amex is a powerhouse for a wide range of bonus categories and poses a serious challenge to some of our favorite cards such as Chase Sapphire Reserve and US Bank Altitude Rewards. |
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