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
Not hard to get...
by stonedog23
Helpful to 32 out of 35

My highest CK score is only 628 and the CK odds of approval was only "poor".  I was approved with a $7000 limit. A big factor, I'm sure, is that Wells Fargo also is my mortgage lender. 

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 16 out of 16

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 May 2017 through October 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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