Wells Fargo Cash Wise Visa® Credit Card

APPLY NOW
  • NEW: Unlimited 1.5% cash rewards on everyday net purchases
  • 0% Intro APR for 15 months on purchases and balance transfers
  • No category restrictions or quarterly sign ups and cash rewards don't expire as your account remains open
  • Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ mobile wallet net purchases during the first 12 months from account opening
  • Flexible cash back redemption options at Wells Fargo ATMs or direct deposit into your checking or savings account when you are a Wells Fargo customer
  • Account protections such as 24/7 fraud monitoring, rapid alerts & zero liability protection
  • No annual fee
Annual Fee:
$0
Purchase Intro APR:
0%
(15 Months)
Purchase Regular APR:
13.24% - 25.24%*
Variable
Balance Transfer Intro APR:
0%
(15 Months)
Balance Transfer Regular APR:
13.24% - 25.24%*
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 24.24% - 26.24%* Variable
Cash Advance Fee 5%
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 3% Intro for 15 months
Foreign Transaction Fee 3%
Return Payment Fee See Terms*

Rewards

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
Anonymous
Approved by WF
by Anonymous
Helpful to 9 out of 9

Credit was in the not so good at the beginning of the year (2016) as low as 562 & 566.  I have been working hard to rebuild.  With the addition of a used car loan and a credit card back in February and March, credit is moving upward.  Today is was TU-663, EQ-660, EX-685.  Wanting to add a second credit card, I actually received an invidation from WF in the mail with a reservation number as I have my mortage with WF.  I applied online, was not immediately approved, went for further review, but was approved for $2,500 in just a few hours.  I say all that to say this....I keep moving forward.  Hoping to be in the 700's by the end of the year.  I say all that to say this....be patient and stay the course to rebuild.

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
rs122334
wells fargo online isn't good
by rs122334
Helpful to 2 out of 2

I like to make transactions online and after making may first balance tranfer I am no longer able to do balance tranfers from either my platinum or cash wise visa online.


Our Take

The Wells Fargo Cash Wise Visa® Credit 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 PayTM or Apple PayTM in the first twelve months. There’s no annual fee and a 0% intro APR for the first 15 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% balance transfer fee during that intro period and a 5% fee afterwards. 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 2016 through August 2016. 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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