Wells Fargo Cash Wise Visa® Card

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  • NEW! Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on virtually every purchase
  • 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 13.74%-25.74% 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:
13.74% - 25.74%*
Balance Transfer Intro APR:
(12 Months)
Balance Transfer Regular APR:
13.74% - 25.74%*

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 24.74% - 26.74%* 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*


Sign-Up Bonus

Earn $200 after you spend $1,000 in 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
Wells Fargo is my card!
by Horndogdave
Helpful to 52 out of 55

Didn't even get rating odds on CK but I still decided to apply! It took them a while to give me a decision like (48hrs)... let me start off by saying I filed BK like over 3 years ago now so I didn't get a quick answer as far as turn down so I didn't mind waiting.... They told me to call and I did 48hrs later and they said to my amazement that I was approve for 8500.00 I was shocked! Well not really cause 5 months ago I got approve for 10k with capitalone but Wells Fargo is the **** to approve me cause after all they are a well-known Institute. So I guest it help keeping your nose clean after BK no lates no going over board on ur credit is a big no no. I got about over 50k in credit cards and I know I'm only spent about 4500.00 of that.... also my credit scores are as follows TU-696 EQ-696 EX-725 good luck hope this helps! Dave

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
Unexplained late charge
by rs122334
Helpful to 33 out of 40

Just noticed a random late charge even though I always pay in advance and well above the minimum due. I called and they said they would take it off and not to be late again. I didn't want to argue my point but you could look at everyone of my statement and I've never paid less than 150 a month and never caried more than a 700 balance. Be wary!

Our Take

The Wells Fargo Cash Wise Visa® Card is a solid option for people who want to earn cash back on every purchase.

What to Like

The Wells Fargo Cash Wise® Visa offers 1.5% cash back on everyday purchases, and bonus cash back for purchases made with Android Pay™ or Apple Pay™ in the first twelve months. There’s no annual fee and a 0% intro APR for the first 12 months on both purchases and balance transfers.

Look Out For

There’s a 0% intro APR on balance transfers, but you’ll still have to pay a 3% introductory balance transfer fee during that intro period and a 5% fee afterwards. There’s also a 3% foreign transaction fee.

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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 November 2016 through April 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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