If you’re looking for a card that earns rewards on all of your everyday and not-so-everyday purchases — from ordering in and dining out to travel and gas purchases — the new Wells Fargo Propel American Express Card is for you. That’s because the card offers an uncapped 3X points for dining out and ordering in, gas, rideshares, transit, popular streaming services and travel, which includes flights, hotels, homestays, car rentals and more. On top of that, the Wells Fargo Propel American Express Card offers a 30,000-point intro bonus (worth $300 when redeemed for cash) to those who spend $3,000 on purchases in the first 3 months of account ownership. As if that isn’t enough, cardholders will receive a 12-month 0% intro APR on purchases and balance transfers (with an intro 3% balance transfer fee, then it’s 5%). What’s more, all of these perks — and they don’t stop there — come with no annual fee. Keep reading to learn about this well-rounded, new credit card.

What does the Wells Fargo Propel American Express Card offer?

The new Wells Fargo Propel American Express Card is truly one of most versatile cards we’ve reviewed. While most other cards with travel rewards earn points or miles on travel purchases, this card takes it one step further by also earning high rewards on non-travel purchases. In fact, it’s one of the only cards we review that earns rewards in so many categories. As noted above, you’ll earn 3X points on dining out, gas, rideshares, transits, popular streaming services and travel, as well as 1X point per on all other purchases. Unlike other rewards credit cards we review, the Wells Fargo Propel American Express card’s rewards aren’t capped, which means there’s a huge earning potential. Add in the intro bonus opportunity worth $300 in cash and the 12-month 0% intro APR on purchases and balance transfers to get one stellar rewards credit card.

When it’s time to redeem your points earned with the Wells Fargo Propel American Express, you have a lot of flexibility. That’s because cardholders can redeem their points for cash, airline tickets, merchandise and gift cards. Well Fargo customers can also use the card to pay down eligible Wells Fargo loans and mortgages.

In addition to paying no annual fee, the Wells Fargo Propel American Express Card has no foreign transaction fees, something all travelers want, and up to $600 in mobile protection against covered theft and damage (with a $25 deductible). All you need to do to get this coverage is pay your monthly cell phone bill with your Wells Fargo Propel American Express Card — it’s really that easy. Finally, the Wells Fargo Propel American Express Card requires good to excellent credit for approval (usually considered a credit score of 700 or higher).

Does the Wells Fargo Propel American Express Card have downsides?

As previously noted, the Wells Fargo Propel American Express Card offers some unique rewards, as it’s the only card we review that earns points in so many spending categories, and that intro bonus is hard to beat. As such, it’s hard to compare this card to others on the market. That said, something that may turn off some consumers is the card’s many categories. While these categories are set, making them easier to remember, some people just aren’t comfortable with categories in general. If that describes you, consider the Wells Fargo Cash Wise Visa Card. This card makes earning cash back easy because it earns an unlimited 1.5% cash back on all purchases and has a $200 cash rewards bonus opportunity for those who spend $1,000 on purchases in the first 3 months. Cardholders will also earn 1.8% cash back on qualified mobile wallet purchases (using Apple Pay or Android Pay) made during the first 12 months of card membership. Additionally, the Wells Fargo Cash Wise Visa Card offers a 12-month 0% intro APR on purchases and balance transfers (with an intro 3% balance transfer fee for 12 months, then it’s 5%), charges no annual fee and provides cardholders with the same mobile protection detailed above — up to $600 of mobile protection against covered damage or theft when they use their card to pay their monthly cell phone bill (with a $25 deductible).

Should you apply for the Wells Fargo Propel American Express Card?

If you’re a traveler, commuter or foodie, the Wells Fargo Propel American Express Card is definitely one you’ll want in your wallet. Its uncapped 3X points on gas, dining out, travel and popular streaming services offers a lot of rewards potential. Plus, its combination of a high intro bonus, 12-month 0% intro APR, no annual fee and no foreign transaction fees make it a well-rounded rewards card. Click here to apply for Wells Fargo Propel American Express card and visit our review to learn more about the card.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.