The Wells Fargo Propel American Express Card and the Citi Simplicity Card are both credit cards that are ideal fits for customers who have credit scores between 670 and 850. Customers who have a credit score below 670 may not benefit from using either of these credit cards.

AMEX Wells Fargo Propel and Citi Simplicty Cards Compared

Review of Citi Simplicity Cards and Wells Fargo Propel by AMEX for Top Card Offers in 2019

The Citi Simplicity Card has an Annual Percentage Rate (APR) ranging from 16.24% to 26.24%. Customers’ exact APR depends largely on their credit score. Card holders with relatively high credit scores will usually pay an APR closer to 16.24%. At the same time, low credit scores will result in an APR closer to 26.24%. The Wells Fargo Propel American Express Card has an APR range of 14.74% to 27.24%. Both of these credit cards have fairly high APRs, even towards the bottom end of the range. For this reason, both of these cards should be avoided if the customer cannot pay off their credit in time.

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Both of these credit cards have $0 in annual fees. This makes both of these cards ideal for customers who are looking to avoid paying fees for being a card holder.

The Citi Simplicity Card does not offer a cashback or reward system for its customers. The Wells Fargo Propel American Express Card, however, does. It has a point system that Wells Fargo calls “Go Far Rewards.” The points accumulated can be used towards travel, select gift cards, and certain cash redemption options (in $25 increments via telephone or online). Card holders earn 1 point for every dollar spent. In addition to this, purchases on dining, gas, rideshares/transit, traveling expenses, and popular streaming services will be rewarded with a 3 times bonus for every dollar spent. Points accumulated never expire and can be redeemed at any time. Customers who plan to use their credit

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The Citi Simplicity Card includes a 0% introductory APR for the first 12 months of card use. This introductory APR gives new customers the chance to try using the card without worrying about paying interest if they miss one of their card payments. After this introductory period, the usual APR between 16.24% and 26.24% will kick in. The Wells Fargo Propel American Express Card offers the same 0% introductory APR. The 0% APR lasts for 12 months on this card as well. With a 0% introductory APR, both these cards stack up well for customers who are not quite sure if they will be able to pay off their credit card on time and in full.


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The Citi Simplicity Card promises that every customer can set up their bill payment on any day of the month. This allows for further convenience for every card holder.

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Propel Card holders also have the unique advantage of cell phone protection. All Propel Card customers are awarded up to $600.00 for cell phone repairs in cases where the customer’s cell phone is broken or needs repair. This feature is very useful for customers who frequently find themselves breaking or cracking their cell phone.

Both the Citi Simplicity Card and the Wells Fargo Propel American Express Card are excellent credit cards for customers who have good credit scores. The Propel Card has an advantage in its rewards system, where the Simplicity Card lacks one. Meanwhile, the Simplicity Card’s uppermost APR is lower than that of the Propel Card, making it slightly better for customers who have lower credit scores.