Wells Fargo Cash Wise Visa® Card

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  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 13.99% - 25.99% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions    
Annual Fee:
Purchase Intro APR:
(12 Months)
Purchase Regular APR:
13.99% - 25.99%*
Balance Transfer Intro APR:
(12 Months)
Balance Transfer Regular APR:
13.99% - 25.99%*

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 24.99% - 26.99%* Variable
Cash Advance Fee 5%
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 3% Intro for 12 months
Foreign Transaction Fee 3%
Return Payment Fee See Terms*


Welcome Bonus

Earn $200 after you spend $1,000 in the first 3 months.

All Purchases

1.5% cash back per dollar

No cap on spending

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Easy Application & Auto Online Set-Up
by WLeighS
Helpful to 16 out of 16

I got a pre-approval notice for this card, but then the website wouldn't work, so I just went applied (online) without the pre-approval code & was instantly accepted. It's only a $2,000 limit, but my credit score is only 629 & Credit Karma has me at "poor" chance of approval. I've never had any other real credit (personal loans, student loans, mortgage, car payments, etc). I've bought everything outright using cash up until now (age 36). The only credit I have is 2 small limit Visa & MC (Chase Unlimited Freedom is one of them) & a slew of retail apparel type cards (Nordstrom, J Crew) and that's it. No savings account. I am assuming it's the 15 year old Checking Account(s) I have with Wells Fargo that got me approved. Or it could be my prior collections are Medical Bills only and total $500 or so. I don't know. But this card was the easiest to get of all I've tried so far and the others had high APRs and tons of fees. So I'd say if you have a Wells Fargo checking account, that's about all you need because I sure don't have anything other than that. And if you have WF Checking and Bank Online, there's no set up. They just add your new Credit Card right to your banking page, so application & online payments set-up was pretty much done for you. Log in as usual, there it is like magic. Perfect! I like easy. So I'm thrilled with the ease so far.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Still Waiting For My Rewards Bonus
by ItsCalledReadYourContract
Helpful to 30 out of 31

Lets face it, every credit card has their pro's and con's. I like to take advantage of the introductory bonuses with these cash reward cards, Amex, Chase, Capital One; fast deposits once you hit their criteria. Wells Fargo on the other hand, not so much. I spent well over 1000 the first month and paid it in full when I received my statement balance. Wells Fargo makes you wait till the third billing cycle; ok that's fine, a lot of credit cards do that now. 6 months has passed and still no deposit for the intro bonus; I made numerous attempts requesting for Wells Fargo to release the bonus....Just get the run around by their unprofessional employee's "another month it will be deposited". Another headache I recently found out, your minimum withdrawal $25 increments?! This credit card works against you not with you... I'm not going to tell you not to get the card, the reward bonus is very good... When and if Wells Fargo releases it for you to benefit from using their card.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2017 through November 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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