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 Google 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 (fees apply), then a 15.99%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • $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:
15.99% - 26.99%*
Variable
Balance Transfer Intro APR:
0%
(12 Months)
Balance Transfer Regular APR:
15.99% - 26.99%*
Variable

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 25.99% - 27.99%* 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

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
ehannibal
Good card, fast approval
by ehannibal
Helpful to 287 out of 330

This is a great card and the approval process was simple, but if you want the benefits of this or any rewards card you should NOT carry a balance.  Only charge what you can pay off each month, if you you'll end up losing rewards to interest payments.

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
Tylers11
Typical Wells bs
by Tylers11
Helpful to 723 out of 775

1. You can only redeem rewards in $25 increments.

2. I put about $70 on it first month, paid off, no issue. $1795 on it the next month, paid off out of same checking account, they put a “hold” on my card bc “they couldn’t verify if I was a signer on that checking account” spoiler alert, I’m the ONLY signer! Said my card would be frozen while they “investigated” unless I got my bank to put a letter on letterhead saying I was signer...I did this, sent to them at branch as they requested, branch had never seen this before and had no idea what to do with the document. Still haven’t received the $200 signup either. Wells is the king of red tape and empty promises.


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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 June 2018 through November 2018. 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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