Wells Fargo Propel American Express®

Yes, for the right spender this card is easy to justify because there is no annual fee to offset. The appeal is simple: 3x points in several categories that show up in real budgets, including restaurants, gas, travel, and popular streaming services, plus no foreign transaction fee when you use it internationally.

It is a strong fit if those categories cover a meaningful share of your monthly spending and you want rewards without managing a long list of credits or premium travel perks. The tradeoff is that the card's value comes almost entirely from its earning structure. If most of your spending falls outside those bonus categories, or if you want lounge access, elite status, or richer travel protections, this card will feel limited.