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
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 12 Months
- Balance Transfer Regular APR 13.99% - 25.99%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 12 Months
- Purchase Regular APR 13.99% - 25.99%* Variable
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.
Most Helpful Positive Review
Most Helpful Negative Review
I applied for the WF Cash Wise VISA card online and was instantly approved for a $15K limit.
Received the card a week later and activated online, saw the available credit in account. So far so good. When to Walmart, used the card at checkout and it was declined. Had to use cash. Called WF Customer Serive, the rep said card was not activated. Strike One.
Tried to set up my non-WF checking account as a payment source. Kept getting an error saying "You do not have at least two eligible accounts". Checked around on the Internet and many other people had the same problems but no solutions. Contacted WF several times but got no useful answers. Finally one rep said you cannot set up a payment source until there's a balance on the card. Strike Two.
I just now read from other reviews that it takes 3 months to get the $200 sign-up reward. Other cards give it within one billing cycle. One card gave it as soon as the required charge amount was reached, even before the first cycle ends. Strike Three.
Three Strikes, Wells Fargo, you're....OUT! No more charges with this card.
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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.
† 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 and typical low score to the 5th 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 2014 through November 2014. 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.