Wells Fargo Cash Wise Visa® Credit Card

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  • NEW: Earn $150 cash rewards bonus after spending $1,000 in net purchases in the first 3 months
  • Earn unlimited 1.5% cash rewards on everyday net purchases
  • Enjoy 1.8% cash rewards on Android Pay™ or Apple Pay™ mobile wallet net purchases during the first 12 months from account opening
  • 0% Intro APR for 12 months on purchases and balance transfers, after that the variable APR will be 13.24%-25.24%
  • No category restrictions or quarterly 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® Credit Card
  • No 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:
13.24% - 25.24%*
Variable
Balance Transfer Intro APR:
0%
(12 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 12 months
Foreign Transaction Fee 3%
Return Payment Fee See Terms*

Rewards

Sign-Up Bonus

Earn $150 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
Joekelsey22
by Joekelsey22
Helpful to 16 out of 16

Easy application. Quick approval. Got approved for $2000. Transunion 693, Experian 678 Equifax 654.

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
Tawfeq
DONT APPLY IF YOU ARE NOT PERMANENT RESI
by Tawfeq
Helpful to 13 out of 17

I have applied for it few days ago, my score is 735 transunion and 740 Equifax and they declined it. Imagine why..... They said because I am not a pemianent resident in USA  which is not mentioned in their terms, They MUST say that before people applying for it and hiting their score and casuing them a hard inquiry. 


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 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.

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 June 2016 through November 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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