Wells Fargo Cash Wise Visa® Card Reviews

Approval Odds

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3.0 out of 5 stars
47 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2.5 out of 5 stars

3 5

Most Helpful Positive Review

Jan 31, 2019
A good card so f
socrates99 Cardholder

I have had this card for a short time and have had none of the problems others have had. I recieved my sign up bonus within the first month and I didn’t have to ask for it, it was just there a couple of days after meeting the required spend. I know Wells has had their share of problems lately but this card isn’t one of them at least in my experience. I will say the only reason I didn’t give 5 stars is the app seems rather antiquated, it’s more like a reformatted web page but it does get the job done. 

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Most Helpful Negative Review

Jul 11, 2018
WorkingClassJoe Cardholder

I had to fight them for my $200 reward. Make sure you get written proof that you will get what you signed up for.

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These reviews were written by current and former cardholders in the last year.

Jan 31, 2019
A good card so f
socrates99 Cardholder

I have had this card for a short time and have had none of the problems others have had. I recieved my sign up bonus within the first month and I didn’t have to ask for it, it was just there a couple of days after meeting the required spend. I know Wells has had their share of problems lately but this card isn’t one of them at least in my experience. I will say the only reason I didn’t give 5 stars is the app seems rather antiquated, it’s more like a reformatted web page but it does get the job done. 

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Jan 22, 2019
Garbage. Stop defrauding your customers
Harrypeter Cardholder

Horrible service, hope credit Karma wakes up and stops promoting. Don't attach yourself to this carp company.

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Feb 16, 2019

They’re in the fish business? Interesting...

May 10, 2019

Something fishy about this review...

May 16, 2019

Funny you dislike them but yet you have a credit card with them.

Dec 28, 2018
Visa over MaCh anyday!!!
WellsFargoUser Cardholder

I don't agree with those who had problems. I will only say what I have had! I now have had this card over 5 yrs. WF is my bank as well. I Love the service at all levels. Sorry others have NOT had good Luck. My story is I got my bonus connected to my Bank Acct. I received it within 3 days after I qualified for it. The 0% interest I want to say took me out to 18 months which is nice. I do notice more vendors take on Visa then Master Charge or Discover. Ask Costco what they accept? I have all 3. I put Discover as my next to use card to this one. "Go Wells Fargo!"

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Feb 24, 2019

This honestly sounds like some one paid you to write this. Go wells fargo?? 🤔🤔🤔

Feb 27, 2019

You work for that slimmy Wells Fargo and someone from Wells Fargo Bamboozled you and paid you . 15 cents to udderly tell people you love them yeah right you didn't watch you accounts or the news they stole plenty from me🤑 money and greed it will get forever with those wellssss fffaaarrggoo ripoffs my experience and true opinions thanks for you respect!

Mar 06, 2019

I have my visas with us bank. They are a much better bank.

Dec 26, 2018
Avoid this Bank
Cdm777 Cardholder

Ok so I saw this card and the bonus available.  I thought ok lets give Wells Fargo another chance since they have to be cleaning there problems up and trying to do right for there customers.  The application and approval was quick and easy.  Got my card pretty quick too.  I spend a lot of money monthly on credit cards so I hit the threshold of the reward before the end of my first month of use.   I hate to admit this but I have better rewards cards so after I hit my reward I switched back to my regular card.  Good thing too because Wells Fargo once again proved why you should never trust this bank with any of your information.

   Years ago I was added to a relatives safe deposit box just in case anything ever happend to them.  Btw, Wells Fargo bothched  that process up too.  Lord knows what this bank did with my information.  Well getting back to this card I was wondering where my check was since I hit the reward.  I get a call from the person who added me to there safe deposit saying you have mail at my house??? Why is this?   I have no idea and when I got ahold of this mail it was from Wells Fargo and it was my reward check.   They sent my reward check to an address I had nothing to do with and never gave them as my addess.  The addess where the credit card was sent and billing was coming to my proper address that I gave when I applied.  So what is going on?   When I called Wells Fargo and spoke with customer service they informed me sorry your account shell profile has that other persons address on file and since the "outside Vendor" who processes the rewards for Wells Fargo only gets that infomation it's why it was sent to the wrong address.  This made very little sense to me and proves again Wells Fargo needs to be shut down.  It's a bank that will never get it right or protect your privacy.  The rep even made comments like good thing Im still in contact with that person and just imagine if it was something like a Mistress and didn't want the husband or relatives seeing my name.  :(  Are you kidding me?   No reward is worth jepordizing your personal information and Wells Fargo has proved it will abuse your privacy and risk your information for the sole purpose of the bottom line.   Avoid Wells Fargo if you value your private information.  

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Jan 23, 2019

Wow this review process is looking about as pathetic as Wells Fargo. My situation even got worse, they changed the address on the persons account to mine. They told me they were just changing my address for my account and wouldn't touch theirs. So Wells Fargo took action once again on someone's account without proper authorization. My situation has been escalated to executive offices even and they are in the process of cleaning up there mistakes and mess. What I want to know is who are these people clicking my review didn't help? Are you employee's of Wells Fargo? Really what does someone has to say for you to realize this bank is a joke? I mean if you don't think my example shows a serious problem with there processes why would anyone want to read or hear what you have to say about anything? How about if anyone else doesn't think my review is useful why not enlighten me as to why???

Apr 26, 2019

Still not one person making a comment as to why my review is not helpful. Go figure I guess hiding behind a simple click is all they are about.

May 07, 2019

You're way too long winded. The review is about a card not about the bank. Shorten your reviews and don't ramble so much. Be open for criticism and don't be defensive. People want to hear about the card and not about your safe deposit Box issues.

May 10, 2019

Also, I thumbs downed for your grammar. "They're" a horrible bank in "their" offices over "there " please learn the difference before insulting other people's intelligence.

May 18, 2019

Reply to Seawall121 - Clearly you're a hypocrite. You leave this comment in response to my review "The review is about a card not about the bank" and this is the review you posted about which you say is about the card and not the bank.
May 07, 2019
Helpful to 1 out of 1 people
Wells Fargo is an amazing bank. I've been with him for 4 years now and not one single issue. People who pay their bills usually don't have any issues with banks. There's always an exception

Your comment is contradictory to your claim but what should one expect from someone who probably has motives. I've worked for a major bank for years and you are very much mistaken with regard those who have issues with banks. When banks fail them for service related issues is when the relationship tarnishes. I explained my experience in depth to give an example of what poor customer service Wells Fargo both did to my credit card account and what they are known to do on a lot of accounts. I've never missed a payment in my life and my high credit score reflects my responsible handling of credit. Which it has for years. So your terrible assumption makes no sense. Wells Fargo is a bank that has problems and has had problems now for years and they continue to prove to me from my direct experience they are not a bank worthty my loyalty

Dec 18, 2018
Easy and practical

Simple rewards with no hassle. I was looking for a simple card to add to my wallet. This card is prefect for everyday purchases. I received my 200 dollar sign up bones quickly and I didn't have to ask.

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Dec 21, 2018

Update: When I first applied my app went to pending but I called a few days later and received my card within a week. The application process was easy. I know there are a lot of negative reviews but I have not had any issues.

Apr 24, 2019

What credit report do they pull?? Thanks

Apr 26, 2019

They did a hard pull but didn't mention which company they used.

Update: after 6 months of having the card, I received a credit increase without asking.

Dec 14, 2018

 wells fargo is still a bunch of hacks; same scoundrel learning new tricks.

i ordered my credit card the 29th of october. 5-10 business days later, still nothing received. as a precaution, i called in & cancelled the card to order a new one on the 14th on november, 12 business days later. surprise surprise, i received my defunct original card in the mail 3 days later on monday november 19. i figure their incompetence will repeat itself on my 2nd card and decide to wait 17 business days until i call in to ask about the status of my card. all they can tell me is that i had ordered it on the 14th of november. so on the 7th of demceber when calling in i decide to give it 5 more business days and still nothing. i call in on today, the 14th of december and request that they put some pep in their step and they inform me that they can FedEx my card and that it should arrive in 3 days, monday. i don’t get upset with the representative and ask if my promotion period to spend $1000 in 3 months would be set back to a reasonable date, somewhere like the 14th of november when i ordered my 2nd card. they inform me that it is a set timer that began when i first “opened” my acct on the 29th of oct and that i’d have to wait 15 months before i could be eligible for any promotional offer again. 

my warning that if possible, obtain a credit card from a brick & mortar bank that can hand a you card that day. wells fargo has gone from opening duplicate accts on people’s mortgages to delaying when you would ever get a card from them so that it is less likely you’d spend the full $1000 and receive the $200 reward. they are still criminal and although my current bank of america is ghetto by imposing a bank charge when you turn 24 years old, id rather drive down the street and get a card with the same cash back.

if you currently have a WF acct that you're not willing to part ways with, i hope you can at least take away that if its been open for 15 months, i suggest you cancel it and reap promo rewards before they devise another method of scamming you out of more money. if you’ve recently ordered a card and are still waiting on it, i suggest you cancel it so they can FedEx to you so that the same trickery doesn’t happen to you as it did me. 

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Nov 27, 2018
Dont listen to all the negative comments
rh1030 Cardholder

I applied for tthe cash wise without having a banking relationship with WF.  They pulled EX.  Didnt get a instant approval status went to pending.  Called a day later and approved for a 10 K SL.  Cant wait to start using it and racking in the cash back

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Apr 24, 2019

Can you give some data points ie your score when approved etc. Thanks!

Oct 05, 2018
Don't even bother
bjamz Cardholder

I thought, c'mon, how bad could it really be? The answer: so, so, SO bad. You can only redeem rewards in $25 increments (annoying and unnecessary). Oh, and that nice bonus they talk about-- I think mine was "Spend $1000, get $200)"- well, I got it FOUR MONTHS after reaching and fully paying off my $1000 mark, and it took several phone calls to actually get it at all. Avoid this card at all costs. Terrible customer service, terrible policies, and shady on whether or not you'll actually get that bonus you were promised. The best part of this card was calling to cancel it. Steer clear of Wells Fargo.

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Oct 01, 2018
Don't count on your bonus!
KellyNC Cardholder

I activated this card four month ago and still have not received my bonus. I called the company and asked them about it. They said I did qualify for the bonus and should get it anytime. Two month later I am still waiting. 

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Oct 03, 2018

Yeah, if you read it, after you're eligible for $200 bonus, it takes 90 days to receive it. It's not even in fine print, it's actually in BOLD print. It's actually pretty cool to receive $200 cash back for spending $1000, no matter when it arrives. It's free money, be grateful.

Jun 02, 2019

You need to hit the $1,000 minimum spend within 90 days before receiving the cash back bonus. You do know that, right? If not, you’re waiting for nothing.

Sep 24, 2018
MatthewLP Cardholder

Thay are the worst banking banking institutions.  Bank credit cards are awfull, terms are bank and they have zero flexability to lower your interest on exceptional credit scores such as mine.  They give you the cheshire cat grin when you go to the bank in person while saying things that are untruthful.  there are way better banks and credit cards then using any products from Wells Fargo.

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May 02, 2019

760 is a ‘good’ score, not an exceptional one. If you dislike Wells so much, why are you banking with them?

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Wells Fargo Cash Wise Visa® Card