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:
$0
Purchase Intro APR:
0%
(12 Months)
Purchase Regular APR:
13.99% - 25.99%*
Variable
Balance Transfer Intro APR:
0%
(12 Months)
Balance Transfer Regular APR:
13.99% - 25.99%*
Variable

Details, Rates & Fees

Click here for Additional Details

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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*

Rewards

Sign-Up 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
stonedog23
Not hard to get...
by stonedog23
Helpful to 14 out of 15

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
Anonymous
by Anonymous
Helpful to 6 out of 6

Got this card and they screwed up the bonus cash back 200 dollars... I spent the 1 k required it's been 4 billing cycles been told it will be on the next cycle 4 times


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 also a 3% foreign transaction fee.

Similar Offers

† 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 March 2017 through August 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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