Wells Fargo Cash Wise Visa® Card review

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Advertiser Disclosure

Interest Rate: Purchases
15.99% ‐ 27.99% (Variable) (0% for the first 15 months)
Balance Transfer
15.99% ‐ 27.99% (Variable) (0% for the first 15 months)
Rewards
1.5% cashback
Signup Bonus
$150 after spending $500


8.6/10
Informr score
The Wells Fargo Cash Wise Visa® Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 20 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Wells Fargo Cash Wise Visa® Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Compare Cards

With a long intro APR, a generous rewards program, and no annual fee, this is a great card all-around credit card that can be helpful for any consumer. This is the only card that we know of that offers bonus rewards for purchases with Apple Pay™ and Google Pay™. If you use these digital wallets a lo...

- Compare Cards
Cardcruncher

The Wells Fargo Cash Wise Visa Card is a standard flat-rate, cash back credit card. You'll earn 1.5% cash back on every purchase, an average rate for a flat-rate card with no annual fee. Other flat-rate cards offer higher cash-back rates, however. The Wells Fargo Cash Wise Visa Card does offer other...

- Cardcruncher
CreditCards.com

With a flat rate of 1.5 percent cash back on all your purchases, a generous sign-up bonus and a special bonus for mobile payments in the first year, the Wells Fargo Cash Wise card is especially awarding to new cardholders.

- Kelly Dilworth, CreditCards.com
NextAdvisor

Looking for a card with no annual fee, a hefty intro bonus, a 0% intro APR on purchases and balance transfers, and impressive cash back rewards? If so, the Wells Fargo Cash Wise Visa Card is likely a terrific fit for you. Not only does it offer all of that, but it also provides mobile phone protecti...

- NextAdvisor
Cardcruncher

The Wells Fargo Cash Wise Visa® Card underwhelms when it comes to cash-back rates, but its cell phone protection is a compelling perk. That alone could save you around $150 a year if you otherwise pay for it through your cellular carrier. In the scheme of cash-back credit cards, the Wells Fargo Cash...

- TJ Porter, Cardcruncher

Details


Interest Rates
Regular APR Interest Rate 15.99% ‐ 27.99% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.99% ‐ 27.99% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99% ‐ 27.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5.

3% for the first 12 months.

Cash Advance Fee 5%

Minimum of $10.

Foreign Transaction Fee 3%

of each transaction in U.S. dollars.

Over Limit Fee $0.00


Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus $150 after spending $500

- On purchases within the first 3 months.

- 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay and Google Pay) during the first 12 months from account opening.

Rewards
All Purchases 1.5% cash back
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Android Pay
Additional Benefits

- Cell Phone Protection

- Emergency Card Replacement

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

A solid cash back rewards card

Compare Cards

With a long intro APR, a generous rewards program, and no annual fee, this is a great card all-around credit card that can be helpful for any consumer. This is the only card that we know of that offers bonus rewards for purchases with Apple Pay™ and Google Pay™. If you use these digital walle...More

With a long intro APR, a generous rewards program, and no annual fee, this is a great card all-around credit card that can be helpful for any consumer. This is the only card that we know of that offers bonus rewards for purchases with Apple Pay™ and Google Pay™. If you use these digital wallets a lot, this is a fantastic card for earning cash back!

Read full review

Less

Cardcruncher

Offers a flat cash-back rate and convenient ways to redeem rewards

The Wells Fargo Cash Wise Visa Card is a standard flat-rate, cash back credit card. You'll earn 1.5% cash back on every purchase, an average rate for a flat-rate card with no annual fee. Other flat-rate cards offer higher cash-back rates, however. The Wells Fargo Cash Wise Visa Card does offer other perks that make it worth considering. 

Read full review

The Wells Fargo Cash Wise Visa Card is a standard flat-rate, cash back credit card. You'll earn 1.5% cash back on every purchase, an average rate for a flat-rate card with no annual fee. Other flat-rate cards offer higher cash-back rates, however. The Wells Fargo Cash Wise Visa Card does offer other perks that make it worth considering. 

Read full review

Less

CreditCards.com

Enticing feature for new cardholders

from CreditCards.com

With a flat rate of 1.5 percent cash back on all your purchases, a generous sign-up bonus and a special bonus for mobile payments in the first year, the Wells Fargo Cash Wise card is especially awarding to new cardholders.

Read full review

With a flat rate of 1.5 percent cash back on all your purchases, a generous sign-up bonus and a special bonus for mobile payments in the first year, the Wells Fargo Cash Wise card is especially awarding to new cardholders.

Read full review

Less

NextAdvisor

A great combination cash back and 0% intro APR

Looking for a card with no annual fee, a hefty intro bonus, a 0% intro APR on purchases and balance transfers, and impressive cash back rewards? If so, the Wells Fargo Cash Wise Visa Card is likely a terrific fit for you. Not only does it offer all of that, but it also provides mobile phone prote...More

Looking for a card with no annual fee, a hefty intro bonus, a 0% intro APR on purchases and balance transfers, and impressive cash back rewards? If so, the Wells Fargo Cash Wise Visa Card is likely a terrific fit for you. Not only does it offer all of that, but it also provides mobile phone protection (we explain how this works later) and so much more, making it a card you’ll likely want in your wallet for the long haul.

Read full review

Less

Cardcruncher

Earn 1.5% cash back on everything

from Cardcruncher

The Wells Fargo Cash Wise Visa® Card underwhelms when it comes to cash-back rates, but its cell phone protection is a compelling perk. That alone could save you around $150 a year if you otherwise pay for it through your cellular carrier. In the scheme of cash-back credit cards, the Wells Fargo...More

The Wells Fargo Cash Wise Visa® Card underwhelms when it comes to cash-back rates, but its cell phone protection is a compelling perk. That alone could save you around $150 a year if you otherwise pay for it through your cellular carrier. In the scheme of cash-back credit cards, the Wells Fargo Cash Wise Visa® Card is firmly in the middle of the pack.

Read full review

Less

CreditDonkey

A simple cash back card

from CreditDonkey

Wells Fargo Cash Wise Visa is a good credit card for "back up purchases" or those that don't qualify for any other rewards. Plus, it's great that Wells Fargo gives you opportunities to earn higher cash back, such as with mobile wallet purchases for the first year and Go Far Rewards.

Read full review

Wells Fargo Cash Wise Visa is a good credit card for "back up purchases" or those that don't qualify for any other rewards. Plus, it's great that Wells Fargo gives you opportunities to earn higher cash back, such as with mobile wallet purchases for the first year and Go Far Rewards.

Read full review

Less

The Ascent

A leading cash-back card

from The Ascent

This card one of the largest cash sign-up bonus we've seen for a no-annual-fee card. It's relatively low spending threshold to unlock the bonus is great for low spenders looking to pocket an easy bonus.

Read full review

This card one of the largest cash sign-up bonus we've seen for a no-annual-fee card. It's relatively low spending threshold to unlock the bonus is great for low spenders looking to pocket an easy bonus.

Read full review

Less

NerdWallet

Simple rewards, 0% intro APR

from NerdWallet

The Wells Fargo Cash Wise Visa Card is one of a slew of cards offering 1.5% cash back on all purchases. It distinguishes itself with a decent 0% introductory APR period, a rewards boost for using digital wallets and an excellent sign-up bonus for a card with an annual fee of $0. If you’re looki...More

The Wells Fargo Cash Wise Visa Card is one of a slew of cards offering 1.5% cash back on all purchases. It distinguishes itself with a decent 0% introductory APR period, a rewards boost for using digital wallets and an excellent sign-up bonus for a card with an annual fee of $0. If you’re looking to make a big purchase that you want extra time paying off, and to earn rewards along the way, this card could be a good choice.

Read full review

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Dough Roller

A great cash back credit card

from Dough Roller

When you consider all of the perks the Wells Fargo Cash Wise Visa has to offer, it’s simply a terrific option for any consumer. The only place you might run into trouble with this credit card is if you use it internationally. Many credit cards today promote no foreign transaction fees, but thi...More

When you consider all of the perks the Wells Fargo Cash Wise Visa has to offer, it’s simply a terrific option for any consumer. The only place you might run into trouble with this credit card is if you use it internationally. Many credit cards today promote no foreign transaction fees, but this card charges you 3% on all international transactions.

Read full review

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Wise Bread

Earn cash back on almost every purchase

from Wise Bread

This card is best for those whose spending varies from month to month and for those who prefer to earn flat rate rewards for purchases rather than dealing with changing categories. It is also ideal to for anyone looking to get cell phone protection, and can pay their monthly cell phone bills with the card.

Read full review

This card is best for those whose spending varies from month to month and for those who prefer to earn flat rate rewards for purchases rather than dealing with changing categories. It is also ideal to for anyone looking to get cell phone protection, and can pay their monthly cell phone bills with the card.

Read full review

Less

User Reviews


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